UNICAP INVESTMENT AND FINANCE

UniCap Investment and Finance-Kuwaiti Public Shareholding Company

UNICAPStocksBoursa KuwaitIndustrials

Financials

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Annual (KWD)

	2025Aug 31, 2025	2024Aug 31, 2024	2023Aug 31, 2023	2022Aug 31, 2022	2021Dec 31, 2021
Operating Summary
Cost of Revenue	7.05M	6.34M	5.72M	4.32M	3.53M
Operating Income	0.96M	-0.74M	-1.61M	-0.42M	-0.36M
Pretax Income	1.30M	-3.14M	-1.37M	1.50M	3.36M
Income Tax	44.46K	—	—	17.11K	36.51K
Net Income	1.20M	-3.13M	-1.26M	1.62M	3.31M
EPS (Basic)	0.01	-0.01	-0.01	0.01	0.01
EPS (Diluted)	0.01	-0.01	-0.01	0.01	0.01
Revenue & Income
Revenue Fin	9.19M	6.77M	5.41M	5.28M	4.58M
Revenue Growth (YoY)	+35.8%	+25.1%	+2.5%	+15.2%	—
Revenues Before Loan Losses	9.17M	7.17M	5.61M	5.47M	5.01M
Other Revenue Fin	8.49M	7.89M	6.67M	6.19M	4.13M
Gain (Loss) on Sale of Investments	—	—	—	—	-866.13K
Gain Invest Rev Fin	1.81M	0.21M	0.03M	0.09M	1.09M
Expenses & Provisions
Cost Of Services Provided	7.05M	6.34M	5.72M	4.32M	3.53M
Other Operating Expenses	—	—	—	42.78K	86.89K
Total Operating Expenses Fin	8.23M	7.51M	7.02M	5.70M	4.94M
Provision for Loan Losses	-17.26K	396.75K	199.04K	195.92K	432.76K
Profitability & Returns
EBT Excluding Unusual Items	1.05M	-0.70M	-1.57M	-0.03M	-0.17M
Pretax Income	1.30M	-3.14M	-1.37M	1.50M	3.36M
Operating Income	0.96M	-0.74M	-1.61M	-0.42M	-0.36M
Operating Margin	+10.4%	-10.9%	-29.9%	-7.9%	-7.9%
Profit Margin	+13.0%	-46.2%	-23.3%	+30.6%	+72.3%
Net Income	1.20M	-3.13M	-1.26M	1.62M	3.31M
Net Income to Common	1.20M	-3.13M	-1.26M	1.62M	3.31M
Net Income Growth	—	—	—	-51.2%	—
Earnings From Continuing Ops.	1.25M	-3.14M	-1.37M	1.48M	3.32M
Minority Interest in Earnings	-56.52K	16.48K	107.51K	133.77K	-6.06K
Income Tax Expense	44.46K	—	—	17.11K	36.51K
Effective Tax Rate	+3.4%	—	—	+1.1%	+1.1%
Per Share & Capital
EPS (Basic)	0.01	-0.01	-0.01	0.01	0.01
EPS (Diluted)	0.01	-0.01	-0.01	0.01	0.01
EPS Growth	—	—	—	-48.1%	—
Shares Change (YoY)	0.01	0.01	—	-0.06	0.01
Shares Outstanding (Basic)	226.21M	224.95M	223.60M	223.60M	237.69M
Shares Outstanding (Diluted)	226.21M	224.95M	223.60M	223.60M	237.69M
Free Cash Flow	2.07M	0.76M	1.28M	-0.03M	2.36M
Free Cash Flow Margin	+22.6%	+11.2%	+23.7%	-0.5%	+51.5%
Free Cash Flow Per Share	0.01	0.00	0.01	0.00	0.01
Supplemental
Int Exp Fin	1.12M	0.93M	1.08M	0.80M	0.79M
Net Int Inc Fin	-1.12M	-0.93M	-1.08M	-0.80M	-0.79M
Other Unusual Items	—	365.75K	—	—	-33.01K

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Annual (KWD)

	2025Aug 31, 2025	2024Aug 31, 2024	2023Aug 31, 2023	2022Aug 31, 2022	2021Dec 31, 2021
Operating Summary
Cost of Revenue	7.05M	6.34M	5.72M	4.32M	3.53M
Operating Income	0.96M	-0.74M	-1.61M	-0.42M	-0.36M
Pretax Income	1.30M	-3.14M	-1.37M	1.50M	3.36M
Income Tax	44.46K	—	—	17.11K	36.51K
Net Income	1.20M	-3.13M	-1.26M	1.62M	3.31M
EPS (Basic)	0.01	-0.01	-0.01	0.01	0.01
EPS (Diluted)	0.01	-0.01	-0.01	0.01	0.01
Revenue & Income
Revenue Fin	9.19M	6.77M	5.41M	5.28M	4.58M
Revenue Growth (YoY)	+35.8%	+25.1%	+2.5%	+15.2%	—
Revenues Before Loan Losses	9.17M	7.17M	5.61M	5.47M	5.01M
Other Revenue Fin	8.49M	7.89M	6.67M	6.19M	4.13M
Gain (Loss) on Sale of Investments	—	—	—	—	-866.13K
Gain Invest Rev Fin	1.81M	0.21M	0.03M	0.09M	1.09M
Expenses & Provisions
Cost Of Services Provided	7.05M	6.34M	5.72M	4.32M	3.53M
Other Operating Expenses	—	—	—	42.78K	86.89K
Total Operating Expenses Fin	8.23M	7.51M	7.02M	5.70M	4.94M
Provision for Loan Losses	-17.26K	396.75K	199.04K	195.92K	432.76K
Profitability & Returns
EBT Excluding Unusual Items	1.05M	-0.70M	-1.57M	-0.03M	-0.17M
Pretax Income	1.30M	-3.14M	-1.37M	1.50M	3.36M
Operating Income	0.96M	-0.74M	-1.61M	-0.42M	-0.36M
Operating Margin	+10.4%	-10.9%	-29.9%	-7.9%	-7.9%
Profit Margin	+13.0%	-46.2%	-23.3%	+30.6%	+72.3%
Net Income	1.20M	-3.13M	-1.26M	1.62M	3.31M
Net Income to Common	1.20M	-3.13M	-1.26M	1.62M	3.31M
Net Income Growth	—	—	—	-51.2%	—
Earnings From Continuing Ops.	1.25M	-3.14M	-1.37M	1.48M	3.32M
Minority Interest in Earnings	-56.52K	16.48K	107.51K	133.77K	-6.06K
Income Tax Expense	44.46K	—	—	17.11K	36.51K
Effective Tax Rate	+3.4%	—	—	+1.1%	+1.1%
Per Share & Capital
EPS (Basic)	0.01	-0.01	-0.01	0.01	0.01
EPS (Diluted)	0.01	-0.01	-0.01	0.01	0.01
EPS Growth	—	—	—	-48.1%	—
Shares Change (YoY)	0.01	0.01	—	-0.06	0.01
Shares Outstanding (Basic)	226.21M	224.95M	223.60M	223.60M	237.69M
Shares Outstanding (Diluted)	226.21M	224.95M	223.60M	223.60M	237.69M
Free Cash Flow	2.07M	0.76M	1.28M	-0.03M	2.36M
Free Cash Flow Margin	+22.6%	+11.2%	+23.7%	-0.5%	+51.5%
Free Cash Flow Per Share	0.01	0.00	0.01	0.00	0.01
Supplemental
Int Exp Fin	1.12M	0.93M	1.08M	0.80M	0.79M
Net Int Inc Fin	-1.12M	-0.93M	-1.08M	-0.80M	-0.79M
Other Unusual Items	—	365.75K	—	—	-33.01K