Financials

Income Statement Balance Sheet Cash Flow Ratios

Annual (SAR)

	2025Dec 31, 2025	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022	2021Dec 31, 2021
Operations
Operating Cash Flow	-7.97B	-12.49B	-9.72B	-3.11B	-10.29B
Free Cash Flow	-8.31B	-12.74B	-9.92B	-3.31B	-10.40B
Capital Expenditures	-342.35M	-252.64M	-203.97M	-203.92M	-106.86M
Investing & Financing
Investing Cash Flow	-1.81B	-1.39B	0.44B	-3.12B	-1.83B
Financing Cash Flow	9.53B	13.67B	9.66B	6.83B	11.78B
Dividends Paid	-14.65M	-3.68M	-0.12M	-591.42M	-276.49M
Share Repurchase	-451.02M	-359.51M	-284.18M	-149.59M	—
Operating Activities
Operating Cash Flow	-7.97B	-12.49B	-9.72B	-3.11B	-10.29B
Net Income	1.51B	1.23B	1.02B	1.11B	1.01B
Change in Other Net Operating Assets	-9.62B	-13.45B	-10.82B	-3.41B	-12.43B
Change in Trading Asset Securities	-0.26B	-0.66B	-0.20B	-1.15B	0.30B
Net Increase (Decrease) in Deposit Accounts	7.21B	14.13B	8.03B	7.66B	10.36B
Other Operating Activities	-6.88M	9.10M	-43.13M	-7.12M	136.94M
Provision for Credit Losses	379.47M	295.15M	233.29M	272.00M	588.24M
Depreciation & Amortization	154.55M	152.96M	145.70M	150.06M	147.86M
Other Amortization	23.03M	30.86M	36.42M	47.53M	50.87M
Loss (Gain) on Equity Investments	-12.87M	-16.90M	-16.07M	-7.03M	-8.01M
Total Asset Writedown	—	-42.57M	-0.74M	—	46.91M
Investing Activities
Investing Cash Flow	-1.81B	-1.39B	0.44B	-3.12B	-1.83B
Capital Expenditures	-342.35M	-252.64M	-203.97M	-203.92M	-106.86M
Investment in Securities	-1.73B	-1.30B	0.49B	-3.12B	-1.68B
Other Investing Activities	258.50M	158.05M	103.01M	37.65M	—
Purchase / Sale of Intangibles	—	—	—	—	-39.85M
Sale of Property, Plant and Equipment	0.62M	0.02M	56.81M	158.22M	0.23M
Gain (Loss) on Sale of Assets	-0.37M	0.31M	-18.24M	-47.69M	8.64M
Gain (Loss) on Sale of Investments	-153.86M	-39.65M	-48.76M	-63.43M	-141.31M
Financing Activities
Financing Cash Flow	9.53B	13.67B	9.66B	6.83B	11.78B
Common Dividends Paid	-14.65M	-3.68M	-0.12M	-591.42M	-276.49M
Issuance of Common Stock	2.88B	—	2.00B	—	1.88B
Repurchase of Common Stock	-451.02M	-359.51M	-284.18M	-149.59M	—
Short-Term Debt Issued	—	—	—	—	2.00B
Total Debt Issued	—	—	—	—	2.00B
Long-Term Debt Repaid	-74.71M	-97.96M	-86.13M	-82.06M	-96.69M
Short-Term Debt Repaid	—	—	—	—	-2.00B
Total Debt Repaid	-0.07B	-0.10B	-0.09B	-0.08B	-2.10B
Net Debt Issued (Repaid)	-74.71M	-97.96M	-86.13M	-82.06M	-96.69M
Other Financing Activities	-10.87M	—	-4.00M	-4.08M	-78.58M
Free Cash Flow & Returns
Free Cash Flow	-8.31B	-12.74B	-9.92B	-3.31B	-10.40B
Free Cash Flow Margin	-202.2%	-368.1%	-319.4%	-103.2%	-351.0%
Free Cash Flow Per Share	-6.51	-9.95	-7.74	-2.59	-8.12
Net Cash Flow	-249.15M	-213.49M	385.04M	597.78M	-336.31M

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Annual (SAR)

	2025Dec 31, 2025	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022	2021Dec 31, 2021
Operations
Operating Cash Flow	-7.97B	-12.49B	-9.72B	-3.11B	-10.29B
Free Cash Flow	-8.31B	-12.74B	-9.92B	-3.31B	-10.40B
Capital Expenditures	-342.35M	-252.64M	-203.97M	-203.92M	-106.86M
Investing & Financing
Investing Cash Flow	-1.81B	-1.39B	0.44B	-3.12B	-1.83B
Financing Cash Flow	9.53B	13.67B	9.66B	6.83B	11.78B
Dividends Paid	-14.65M	-3.68M	-0.12M	-591.42M	-276.49M
Share Repurchase	-451.02M	-359.51M	-284.18M	-149.59M	—
Operating Activities
Operating Cash Flow	-7.97B	-12.49B	-9.72B	-3.11B	-10.29B
Net Income	1.51B	1.23B	1.02B	1.11B	1.01B
Change in Other Net Operating Assets	-9.62B	-13.45B	-10.82B	-3.41B	-12.43B
Change in Trading Asset Securities	-0.26B	-0.66B	-0.20B	-1.15B	0.30B
Net Increase (Decrease) in Deposit Accounts	7.21B	14.13B	8.03B	7.66B	10.36B
Other Operating Activities	-6.88M	9.10M	-43.13M	-7.12M	136.94M
Provision for Credit Losses	379.47M	295.15M	233.29M	272.00M	588.24M
Depreciation & Amortization	154.55M	152.96M	145.70M	150.06M	147.86M
Other Amortization	23.03M	30.86M	36.42M	47.53M	50.87M
Loss (Gain) on Equity Investments	-12.87M	-16.90M	-16.07M	-7.03M	-8.01M
Total Asset Writedown	—	-42.57M	-0.74M	—	46.91M
Investing Activities
Investing Cash Flow	-1.81B	-1.39B	0.44B	-3.12B	-1.83B
Capital Expenditures	-342.35M	-252.64M	-203.97M	-203.92M	-106.86M
Investment in Securities	-1.73B	-1.30B	0.49B	-3.12B	-1.68B
Other Investing Activities	258.50M	158.05M	103.01M	37.65M	—
Purchase / Sale of Intangibles	—	—	—	—	-39.85M
Sale of Property, Plant and Equipment	0.62M	0.02M	56.81M	158.22M	0.23M
Gain (Loss) on Sale of Assets	-0.37M	0.31M	-18.24M	-47.69M	8.64M
Gain (Loss) on Sale of Investments	-153.86M	-39.65M	-48.76M	-63.43M	-141.31M
Financing Activities
Financing Cash Flow	9.53B	13.67B	9.66B	6.83B	11.78B
Common Dividends Paid	-14.65M	-3.68M	-0.12M	-591.42M	-276.49M
Issuance of Common Stock	2.88B	—	2.00B	—	1.88B
Repurchase of Common Stock	-451.02M	-359.51M	-284.18M	-149.59M	—
Short-Term Debt Issued	—	—	—	—	2.00B
Total Debt Issued	—	—	—	—	2.00B
Long-Term Debt Repaid	-74.71M	-97.96M	-86.13M	-82.06M	-96.69M
Short-Term Debt Repaid	—	—	—	—	-2.00B
Total Debt Repaid	-0.07B	-0.10B	-0.09B	-0.08B	-2.10B
Net Debt Issued (Repaid)	-74.71M	-97.96M	-86.13M	-82.06M	-96.69M
Other Financing Activities	-10.87M	—	-4.00M	-4.08M	-78.58M
Free Cash Flow & Returns
Free Cash Flow	-8.31B	-12.74B	-9.92B	-3.31B	-10.40B
Free Cash Flow Margin	-202.2%	-368.1%	-319.4%	-103.2%	-351.0%
Free Cash Flow Per Share	-6.51	-9.95	-7.74	-2.59	-8.12
Net Cash Flow	-249.15M	-213.49M	385.04M	597.78M	-336.31M

Financials

Annual (SAR)

BJAZ

Annual (SAR)