KFIC Invest

KFIC Invest K.S.C.P

KFICStocksBoursa KuwaitDiversified Financials

Financials

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Annual (KWD)

1-5

	2025Dec 31, 2025	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022	2021Dec 31, 2021
Operating Summary
Revenue	11.06M	4.06M	3.73M	4.97M	6.03M
Cost of Revenue	1.39M	1.04M	1.20M	1.20M	1.43M
Operating Income	4.21M	-3.13M	-3.39M	0.69M	1.65M
Pretax Income	4.22M	-3.25M	-11.17M	0.52M	0.64M
Income Tax	155.66K	—	—	5.91K	7.96K
Net Income	4.00M	-3.27M	-11.14M	0.45M	0.47M
EPS (Basic)	0.02	-0.01	-0.05	0.00	0.00
EPS (Diluted)	0.02	-0.01	-0.05	0.00	0.00
Margins & Efficiency
Net Margin %	+36.2%	-80.6%	-298.5%	+9.0%	+7.8%
Revenue & Income
Revenue as Reported	11.06M	4.06M	3.73M	4.97M	6.03M
Revenue Fin	9.10M	1.12M	0.86M	4.99M	6.16M
Revenue Growth (YoY)	+716.2%	+29.3%	-82.7%	-18.9%	+16.2%
Revenues Before Loan Losses	10.71M	3.62M	3.25M	4.51M	5.79M
Commissions And Fees	4.53M	0.66M	0.44M	0.87M	1.04M
Other Revenue Fin	0.85M	1.29M	0.59M	0.71M	0.74M
Currency Exchange Gain (Loss)	-79.06K	40.18K	15.34K	70.79K	-32.19K
Expenses & Provisions
Cost Of Services Provided	1.39M	1.04M	1.20M	1.20M	1.43M
Other Operating Expenses	—	—	—	14.77K	19.90K
Total Operating Expenses Fin	4.89M	4.24M	4.25M	4.30M	4.51M
Provision for Loan Losses	1.60M	2.50M	2.38M	-0.48M	-0.36M
Salaries and Employee Benefits	3.09M	2.79M	2.61M	2.73M	2.78M
Profitability & Returns
EBT Excluding Unusual Items	4.22M	-3.25M	-3.56M	0.76M	1.62M
Pretax Income	4.22M	-3.25M	-11.17M	0.52M	0.64M
Operating Income	4.21M	-3.13M	-3.39M	0.69M	1.65M
Operating Margin	+46.3%	-280.6%	-392.6%	+13.8%	+26.8%
Profit Margin	+44.0%	-293.2%	-1,291.4%	+8.9%	+7.6%
Net Income	4.00M	-3.27M	-11.14M	0.45M	0.47M
Net Income to Common	4.00M	-3.27M	-11.14M	0.45M	0.47M
Net Income to Company	4.07M	-3.25M	-11.17M	0.51M	0.63M
Net Income Growth	—	—	—	-5.3%	+5.1%
Earnings From Continuing Ops.	4.07M	-3.25M	-11.17M	0.51M	0.63M
Minority Interest in Earnings	-62.34K	-24.45K	35.75K	-65.54K	-157.14K
Income Tax Expense	155.66K	—	—	5.91K	7.96K
Effective Tax Rate	+3.7%	—	—	+1.1%	+1.3%
Per Share & Capital
EPS (Basic)	0.02	-0.01	-0.05	0.00	0.00
EPS (Diluted)	0.02	-0.01	-0.05	0.00	0.00
EPS Growth	—	—	—	-5.3%	+5.2%
Shares Change (YoY)	0.02	0.02	—	—	—
Shares Outstanding (Basic)	245.49M	239.86M	235.10M	235.10M	235.10M
Shares Outstanding (Diluted)	245.49M	239.86M	235.10M	235.10M	235.10M
Free Cash Flow	3.48M	2.90M	-1.48M	1.52M	-2.58M
Free Cash Flow Margin	+38.2%	+260.4%	-172.0%	+30.5%	-41.9%
Free Cash Flow Per Share	0.01	0.01	-0.01	0.01	-0.01
Supplemental
Int Exp Fin	432.92K	400.36K	501.95K	390.46K	271.25K
Int Inc Fin	4.56M	1.05M	1.71M	2.24M	3.36M
Net Int Inc Fin	4.13M	0.65M	1.21M	1.85M	3.09M

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Annual (KWD)

1-5

	2025Dec 31, 2025	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022	2021Dec 31, 2021
Operating Summary
Revenue	11.06M	4.06M	3.73M	4.97M	6.03M
Cost of Revenue	1.39M	1.04M	1.20M	1.20M	1.43M
Operating Income	4.21M	-3.13M	-3.39M	0.69M	1.65M
Pretax Income	4.22M	-3.25M	-11.17M	0.52M	0.64M
Income Tax	155.66K	—	—	5.91K	7.96K
Net Income	4.00M	-3.27M	-11.14M	0.45M	0.47M
EPS (Basic)	0.02	-0.01	-0.05	0.00	0.00
EPS (Diluted)	0.02	-0.01	-0.05	0.00	0.00
Margins & Efficiency
Net Margin %	+36.2%	-80.6%	-298.5%	+9.0%	+7.8%
Revenue & Income
Revenue as Reported	11.06M	4.06M	3.73M	4.97M	6.03M
Revenue Fin	9.10M	1.12M	0.86M	4.99M	6.16M
Revenue Growth (YoY)	+716.2%	+29.3%	-82.7%	-18.9%	+16.2%
Revenues Before Loan Losses	10.71M	3.62M	3.25M	4.51M	5.79M
Commissions And Fees	4.53M	0.66M	0.44M	0.87M	1.04M
Other Revenue Fin	0.85M	1.29M	0.59M	0.71M	0.74M
Currency Exchange Gain (Loss)	-79.06K	40.18K	15.34K	70.79K	-32.19K
Expenses & Provisions
Cost Of Services Provided	1.39M	1.04M	1.20M	1.20M	1.43M
Other Operating Expenses	—	—	—	14.77K	19.90K
Total Operating Expenses Fin	4.89M	4.24M	4.25M	4.30M	4.51M
Provision for Loan Losses	1.60M	2.50M	2.38M	-0.48M	-0.36M
Salaries and Employee Benefits	3.09M	2.79M	2.61M	2.73M	2.78M
Profitability & Returns
EBT Excluding Unusual Items	4.22M	-3.25M	-3.56M	0.76M	1.62M
Pretax Income	4.22M	-3.25M	-11.17M	0.52M	0.64M
Operating Income	4.21M	-3.13M	-3.39M	0.69M	1.65M
Operating Margin	+46.3%	-280.6%	-392.6%	+13.8%	+26.8%
Profit Margin	+44.0%	-293.2%	-1,291.4%	+8.9%	+7.6%
Net Income	4.00M	-3.27M	-11.14M	0.45M	0.47M
Net Income to Common	4.00M	-3.27M	-11.14M	0.45M	0.47M
Net Income to Company	4.07M	-3.25M	-11.17M	0.51M	0.63M
Net Income Growth	—	—	—	-5.3%	+5.1%
Earnings From Continuing Ops.	4.07M	-3.25M	-11.17M	0.51M	0.63M
Minority Interest in Earnings	-62.34K	-24.45K	35.75K	-65.54K	-157.14K
Income Tax Expense	155.66K	—	—	5.91K	7.96K
Effective Tax Rate	+3.7%	—	—	+1.1%	+1.3%
Per Share & Capital
EPS (Basic)	0.02	-0.01	-0.05	0.00	0.00
EPS (Diluted)	0.02	-0.01	-0.05	0.00	0.00
EPS Growth	—	—	—	-5.3%	+5.2%
Shares Change (YoY)	0.02	0.02	—	—	—
Shares Outstanding (Basic)	245.49M	239.86M	235.10M	235.10M	235.10M
Shares Outstanding (Diluted)	245.49M	239.86M	235.10M	235.10M	235.10M
Free Cash Flow	3.48M	2.90M	-1.48M	1.52M	-2.58M
Free Cash Flow Margin	+38.2%	+260.4%	-172.0%	+30.5%	-41.9%
Free Cash Flow Per Share	0.01	0.01	-0.01	0.01	-0.01
Supplemental
Int Exp Fin	432.92K	400.36K	501.95K	390.46K	271.25K
Int Inc Fin	4.56M	1.05M	1.71M	2.24M	3.36M
Net Int Inc Fin	4.13M	0.65M	1.21M	1.85M	3.09M