Kuwait Finance House

Kuwait Finance House K.S.C.

KFHStocksBoursa KuwaitBanks

Financials

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Annual (KWD)

	2025Dec 31, 2025	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022	2021Dec 31, 2021
Operations
Operating Cash Flow	0.54B	2.61B	-0.21B	0.40B	-1.08B
Free Cash Flow	0.44B	2.56B	-0.24B	0.38B	-1.09B
Capital Expenditures	-94.95M	-50.71M	-35.22M	-22.23M	-18.83M
Investing & Financing
Investing Cash Flow	89.27M	387.34M	-103.66M	826.52M	22.92M
Financing Cash Flow	1.93B	-2.60B	0.16B	-0.91B	0.59B
Dividends Paid	-382.12M	-324.42M	-365.41M	-115.86M	-80.18M
Share Repurchase	-123.33M	—	-71.34M	-14.02M	—
Operating Activities
Operating Cash Flow	0.54B	2.61B	-0.21B	0.40B	-1.08B
Net Income	632.11M	601.80M	584.52M	357.72M	243.41M
Change in Other Net Operating Assets	-0.46B	1.80B	-0.87B	-0.25B	-1.54B
Net Increase (Decrease) in Deposit Accounts	1.81B	-2.59B	0.78B	-0.68B	0.55B
Other Operating Activities	241.64M	217.48M	114.16M	183.02M	54.24M
Provision for Credit Losses	135.14M	94.46M	78.39M	39.08M	147.24M
Depreciation & Amortization	91.46M	84.18M	78.58M	45.32M	41.78M
Loss (Gain) on Equity Investments	-4.86M	-35.42M	-30.43M	-7.05M	3.36M
Total Asset Writedown	—	—	2.95M	11.89M	1.90M
Investing Activities
Investing Cash Flow	89.27M	387.34M	-103.66M	826.52M	22.92M
Capital Expenditures	-94.95M	-50.71M	-35.22M	-22.23M	-18.83M
Cash Acquisitions	-4.43M	—	-126.52M	778.06M	—
Divestitures	4.22M	100.47M	—	3.14M	—
Investment in Securities	104.49M	253.33M	-54.73M	17.94M	-14.22M
Other Investing Activities	7.84M	55.33M	15.02M	14.43M	6.69M
Purchase / Sale of Intangibles	6.18M	-8.02M	-1.89M	-1.54M	0.04M
Sale of Property, Plant and Equipment	4.70M	11.05M	2.61M	2.22M	9.39M
Gain (Loss) on Sale of Assets	-24.75M	-17.50M	-60.40M	-1.30M	-14.02M
Gain (Loss) on Sale of Investments	-75.96M	-136.44M	-93.41M	21.55M	-19.31M
Financing Activities
Financing Cash Flow	1.93B	-2.60B	0.16B	-0.91B	0.59B
Common Dividends Paid	-382.12M	-324.42M	-365.41M	-115.86M	-80.18M
Issuance of Common Stock	259.49M	9.17M	—	—	225.79M
Repurchase of Common Stock	-123.33M	—	-71.34M	-14.02M	—
Long-Term Debt Issued	427.76M	351.11M	—	—	—
Long-Term Debt Repaid	—	—	-148.66M	-98.86M	-98.39M
Net Debt Issued (Repaid)	427.76M	351.11M	-148.66M	-98.86M	-98.39M
Other Financing Activities	-65.84M	-42.70M	-40.56M	-5.59M	-7.74M
Free Cash Flow & Returns
Free Cash Flow	0.44B	2.56B	-0.24B	0.38B	-1.09B
Free Cash Flow Growth	-82.8%	—	—	—	—
Free Cash Flow Margin	+26.4%	+162.8%	-17.0%	+37.1%	-161.5%
Free Cash Flow Per Share	0.03	0.15	-0.01	0.03	-0.09
Operating Cash Flow Growth	-79.5%	—	—	—	—
Net Cash Flow	2.55B	0.40B	-0.15B	0.31B	-0.46B

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Annual (KWD)

	2025Dec 31, 2025	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022	2021Dec 31, 2021
Operations
Operating Cash Flow	0.54B	2.61B	-0.21B	0.40B	-1.08B
Free Cash Flow	0.44B	2.56B	-0.24B	0.38B	-1.09B
Capital Expenditures	-94.95M	-50.71M	-35.22M	-22.23M	-18.83M
Investing & Financing
Investing Cash Flow	89.27M	387.34M	-103.66M	826.52M	22.92M
Financing Cash Flow	1.93B	-2.60B	0.16B	-0.91B	0.59B
Dividends Paid	-382.12M	-324.42M	-365.41M	-115.86M	-80.18M
Share Repurchase	-123.33M	—	-71.34M	-14.02M	—
Operating Activities
Operating Cash Flow	0.54B	2.61B	-0.21B	0.40B	-1.08B
Net Income	632.11M	601.80M	584.52M	357.72M	243.41M
Change in Other Net Operating Assets	-0.46B	1.80B	-0.87B	-0.25B	-1.54B
Net Increase (Decrease) in Deposit Accounts	1.81B	-2.59B	0.78B	-0.68B	0.55B
Other Operating Activities	241.64M	217.48M	114.16M	183.02M	54.24M
Provision for Credit Losses	135.14M	94.46M	78.39M	39.08M	147.24M
Depreciation & Amortization	91.46M	84.18M	78.58M	45.32M	41.78M
Loss (Gain) on Equity Investments	-4.86M	-35.42M	-30.43M	-7.05M	3.36M
Total Asset Writedown	—	—	2.95M	11.89M	1.90M
Investing Activities
Investing Cash Flow	89.27M	387.34M	-103.66M	826.52M	22.92M
Capital Expenditures	-94.95M	-50.71M	-35.22M	-22.23M	-18.83M
Cash Acquisitions	-4.43M	—	-126.52M	778.06M	—
Divestitures	4.22M	100.47M	—	3.14M	—
Investment in Securities	104.49M	253.33M	-54.73M	17.94M	-14.22M
Other Investing Activities	7.84M	55.33M	15.02M	14.43M	6.69M
Purchase / Sale of Intangibles	6.18M	-8.02M	-1.89M	-1.54M	0.04M
Sale of Property, Plant and Equipment	4.70M	11.05M	2.61M	2.22M	9.39M
Gain (Loss) on Sale of Assets	-24.75M	-17.50M	-60.40M	-1.30M	-14.02M
Gain (Loss) on Sale of Investments	-75.96M	-136.44M	-93.41M	21.55M	-19.31M
Financing Activities
Financing Cash Flow	1.93B	-2.60B	0.16B	-0.91B	0.59B
Common Dividends Paid	-382.12M	-324.42M	-365.41M	-115.86M	-80.18M
Issuance of Common Stock	259.49M	9.17M	—	—	225.79M
Repurchase of Common Stock	-123.33M	—	-71.34M	-14.02M	—
Long-Term Debt Issued	427.76M	351.11M	—	—	—
Long-Term Debt Repaid	—	—	-148.66M	-98.86M	-98.39M
Net Debt Issued (Repaid)	427.76M	351.11M	-148.66M	-98.86M	-98.39M
Other Financing Activities	-65.84M	-42.70M	-40.56M	-5.59M	-7.74M
Free Cash Flow & Returns
Free Cash Flow	0.44B	2.56B	-0.24B	0.38B	-1.09B
Free Cash Flow Growth	-82.8%	—	—	—	—
Free Cash Flow Margin	+26.4%	+162.8%	-17.0%	+37.1%	-161.5%
Free Cash Flow Per Share	0.03	0.15	-0.01	0.03	-0.09
Operating Cash Flow Growth	-79.5%	—	—	—	—
Net Cash Flow	2.55B	0.40B	-0.15B	0.31B	-0.46B