GFH Financial Group

GFH Bank B.S.C.

GFHStocksBoursa KuwaitDiversified Financials

Financials

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

USD KWD

Annual (KWD)

	2025Dec 31, 2025	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022	2021Dec 31, 2021
Operations
Operating Cash Flow	138.34M	-135.01M	276.06M	208.85M	227.94M
Free Cash Flow	138.34M	-135.01M	274.35M	208.29M	226.83M
Capital Expenditures	—	—	-1.71M	-0.56M	-1.11M
Investing & Financing
Investing Cash Flow	-46.73M	160.72M	2.58M	-125.53M	-324.11M
Financing Cash Flow	-101.55M	-187.21M	-79.09M	-22.61M	154.45M
Dividends Paid	-28.96M	-18.71M	-18.02M	-13.83M	-5.42M
Share Repurchase	-24.10M	—	-6.15M	-11.73M	—
Operating Activities
Operating Cash Flow	448.31M	-437.51M	894.58M	676.78M	738.66M
Net Income	140.11M	118.50M	102.86M	90.25M	84.22M
Change in Other Net Operating Assets	322.86M	-472.99M	785.53M	624.26M	689.62M
Net Increase (Decrease) in Deposit Accounts	—	—	72.46M	-1.81M	-7.71M
Other Operating Activities	-47.15M	-101.04M	-30.14M	-53.27M	-62.94M
Provision for Credit Losses	13.77M	1.61M	10.21M	6.94M	16.38M
Depreciation & Amortization	14.64M	12.79M	14.52M	5.84M	2.54M
Cash Interest Paid	538.59M	457.75M	449.24M	204.65M	190.71M
Total Asset Writedown	-331.00K	—	—	—	—
Investing Activities
Investing Cash Flow	-0.15B	0.52B	0.01B	-0.41B	-1.05B
Capital Expenditures	—	—	-5.55M	-1.82M	-3.60M
Cash Acquisitions	—	-33.95M	-5.65M	-7.11M	—
Divestitures	—	-0.68M	-6.00M	-80.12M	—
Investment in Securities	-0.15B	0.55B	-0.28B	-0.44B	-1.16B
Other Investing Activities	—	—	281.76M	166.29M	113.79M
Sale of Property, Plant and Equipment	0.32M	2.10M	—	—	—
Gain (Loss) on Sale of Investments	4.41M	3.62M	11.59M	2.75M	8.84M
Financing Activities
Financing Cash Flow	-329.08M	-606.65M	-256.28M	-73.28M	500.52M
Common Dividends Paid	-93.86M	-60.64M	-58.40M	-44.82M	-17.58M
Issuance of Common Stock	—	34.84M	—	—	15.48M
Repurchase of Common Stock	-78.09M	—	-19.93M	-38.00M	—
Long-Term Debt Issued	381.45M	—	198.82M	216.00M	701.04M
Long-Term Debt Repaid	—	-123.11M	—	—	—
Net Debt Issued (Repaid)	381.45M	-123.11M	198.82M	216.00M	701.04M
Other Financing Activities	-538.59M	-457.75M	-449.24M	-204.65M	-190.71M
Free Cash Flow & Returns
Free Cash Flow	448.31M	-437.51M	889.03M	674.96M	735.05M
Free Cash Flow Growth	—	—	+31.7%	-8.2%	+104.7%
Free Cash Flow Margin	+108.6%	-114.8%	+127.0%	+157.9%	+216.9%
Free Cash Flow Per Share	0.13	-0.12	0.26	0.20	0.22
Operating Cash Flow Growth	—	—	+32.2%	-8.4%	+105.3%
Net Cash Flow	-32.19M	-523.34M	646.66M	196.72M	188.89M

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

USD KWD

Annual (KWD)

	2025Dec 31, 2025	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022	2021Dec 31, 2021
Operations
Operating Cash Flow	138.34M	-135.01M	276.06M	208.85M	227.94M
Free Cash Flow	138.34M	-135.01M	274.35M	208.29M	226.83M
Capital Expenditures	—	—	-1.71M	-0.56M	-1.11M
Investing & Financing
Investing Cash Flow	-46.73M	160.72M	2.58M	-125.53M	-324.11M
Financing Cash Flow	-101.55M	-187.21M	-79.09M	-22.61M	154.45M
Dividends Paid	-28.96M	-18.71M	-18.02M	-13.83M	-5.42M
Share Repurchase	-24.10M	—	-6.15M	-11.73M	—
Operating Activities
Operating Cash Flow	448.31M	-437.51M	894.58M	676.78M	738.66M
Net Income	140.11M	118.50M	102.86M	90.25M	84.22M
Change in Other Net Operating Assets	322.86M	-472.99M	785.53M	624.26M	689.62M
Net Increase (Decrease) in Deposit Accounts	—	—	72.46M	-1.81M	-7.71M
Other Operating Activities	-47.15M	-101.04M	-30.14M	-53.27M	-62.94M
Provision for Credit Losses	13.77M	1.61M	10.21M	6.94M	16.38M
Depreciation & Amortization	14.64M	12.79M	14.52M	5.84M	2.54M
Cash Interest Paid	538.59M	457.75M	449.24M	204.65M	190.71M
Total Asset Writedown	-331.00K	—	—	—	—
Investing Activities
Investing Cash Flow	-0.15B	0.52B	0.01B	-0.41B	-1.05B
Capital Expenditures	—	—	-5.55M	-1.82M	-3.60M
Cash Acquisitions	—	-33.95M	-5.65M	-7.11M	—
Divestitures	—	-0.68M	-6.00M	-80.12M	—
Investment in Securities	-0.15B	0.55B	-0.28B	-0.44B	-1.16B
Other Investing Activities	—	—	281.76M	166.29M	113.79M
Sale of Property, Plant and Equipment	0.32M	2.10M	—	—	—
Gain (Loss) on Sale of Investments	4.41M	3.62M	11.59M	2.75M	8.84M
Financing Activities
Financing Cash Flow	-329.08M	-606.65M	-256.28M	-73.28M	500.52M
Common Dividends Paid	-93.86M	-60.64M	-58.40M	-44.82M	-17.58M
Issuance of Common Stock	—	34.84M	—	—	15.48M
Repurchase of Common Stock	-78.09M	—	-19.93M	-38.00M	—
Long-Term Debt Issued	381.45M	—	198.82M	216.00M	701.04M
Long-Term Debt Repaid	—	-123.11M	—	—	—
Net Debt Issued (Repaid)	381.45M	-123.11M	198.82M	216.00M	701.04M
Other Financing Activities	-538.59M	-457.75M	-449.24M	-204.65M	-190.71M
Free Cash Flow & Returns
Free Cash Flow	448.31M	-437.51M	889.03M	674.96M	735.05M
Free Cash Flow Growth	—	—	+31.7%	-8.2%	+104.7%
Free Cash Flow Margin	+108.6%	-114.8%	+127.0%	+157.9%	+216.9%
Free Cash Flow Per Share	0.13	-0.12	0.26	0.20	0.22
Operating Cash Flow Growth	—	—	+32.2%	-8.4%	+105.3%
Net Cash Flow	-32.19M	-523.34M	646.66M	196.72M	188.89M