BSF

Banque Saudi Fransi

1050StocksTadawulBanks

Financials

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	-22.23B	-8.14B	-14.55B	-16.04B	-6.99B
Free Cash Flow	-22.64B	-8.61B	-15.03B	-16.39B	-7.25B
Capital Expenditures	-402.36M	-472.03M	-479.76M	-342.33M	-259.86M
Investing & Financing
Investing Cash Flow	-7.78B	-11.94B	-4.22B	-2.21B	-6.73B
Financing Cash Flow	29.64B	19.98B	16.08B	17.83B	13.34B
Dividends Paid	-2.62B	-2.40B	-2.22B	-1.92B	-1.26B
Share Repurchase	-123.89M	-107.65M	-115.91M	-66.23M	—
Operating Activities
Operating Cash Flow	-22.23B	-8.14B	-14.55B	-16.04B	-6.99B
Net Income	5.35B	4.54B	4.22B	3.58B	3.45B
Change in Other Net Operating Assets	-29.68B	-14.28B	-20.55B	-21.32B	-11.69B
Change in Trading Asset Securities	207.26M	-135.98M	-153.19M	141.25M	-65.39M
Net Increase (Decrease) in Deposit Accounts	10.10B	12.91B	14.62B	15.64B	14.84B
Other Operating Activities	209.87M	156.32M	-205.83M	-438.14M	-15.16M
Provision for Credit Losses	1.38B	1.29B	1.80B	1.55B	1.02B
Depreciation & Amortization	332.03M	299.21M	250.66M	221.43M	224.97M
Total Asset Writedown	0.05M	-0.40M	0.25M	-9.67M	—
Investing Activities
Investing Cash Flow	-7.78B	-11.94B	-4.22B	-2.21B	-6.73B
Capital Expenditures	-402.36M	-472.03M	-479.76M	-342.33M	-259.86M
Investment in Securities	-7.26B	-11.36B	-3.67B	-1.84B	-6.47B
Other Investing Activities	-195.50M	-107.82M	-69.94M	-33.37M	—
Sale of Property, Plant and Equipment	76.26M	0.23M	0.24M	0.69M	0.94M
Gain (Loss) on Sale of Assets	-36.02M	-0.18M	-0.12M	0.04M	2.22M
Gain (Loss) on Sale of Investments	-3.21M	-11.16M	87.16M	211.15M	56.57M
Financing Activities
Financing Cash Flow	29.64B	19.98B	16.08B	17.83B	13.34B
Common Dividends Paid	-2.62B	-2.40B	-2.22B	-1.92B	-1.26B
Issuance of Common Stock	4.94B	3.00B	—	—	—
Repurchase of Common Stock	-123.89M	-107.65M	-115.91M	-66.23M	—
Long-Term Debt Issued	30.21B	6.96B	4.13B	4.50B	—
Long-Term Debt Repaid	-7.39B	-0.09B	-0.10B	-0.10B	-0.04B
Net Debt Issued (Repaid)	22.82B	6.86B	4.03B	4.40B	-0.04B
Other Financing Activities	-5.47B	-0.28B	-0.22B	-0.22B	-0.20B
Free Cash Flow & Returns
Free Cash Flow	-22.64B	-8.61B	-15.03B	-16.39B	-7.25B
Free Cash Flow Margin	-237.1%	-101.6%	-194.4%	-246.1%	-115.3%
Free Cash Flow Per Share	-9.14	-3.47	-6.03	-6.58	-2.91
Net Cash Flow	-0.37B	-0.09B	-2.68B	-0.43B	-0.38B

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	-22.23B	-8.14B	-14.55B	-16.04B	-6.99B
Free Cash Flow	-22.64B	-8.61B	-15.03B	-16.39B	-7.25B
Capital Expenditures	-402.36M	-472.03M	-479.76M	-342.33M	-259.86M
Investing & Financing
Investing Cash Flow	-7.78B	-11.94B	-4.22B	-2.21B	-6.73B
Financing Cash Flow	29.64B	19.98B	16.08B	17.83B	13.34B
Dividends Paid	-2.62B	-2.40B	-2.22B	-1.92B	-1.26B
Share Repurchase	-123.89M	-107.65M	-115.91M	-66.23M	—
Operating Activities
Operating Cash Flow	-22.23B	-8.14B	-14.55B	-16.04B	-6.99B
Net Income	5.35B	4.54B	4.22B	3.58B	3.45B
Change in Other Net Operating Assets	-29.68B	-14.28B	-20.55B	-21.32B	-11.69B
Change in Trading Asset Securities	207.26M	-135.98M	-153.19M	141.25M	-65.39M
Net Increase (Decrease) in Deposit Accounts	10.10B	12.91B	14.62B	15.64B	14.84B
Other Operating Activities	209.87M	156.32M	-205.83M	-438.14M	-15.16M
Provision for Credit Losses	1.38B	1.29B	1.80B	1.55B	1.02B
Depreciation & Amortization	332.03M	299.21M	250.66M	221.43M	224.97M
Total Asset Writedown	0.05M	-0.40M	0.25M	-9.67M	—
Investing Activities
Investing Cash Flow	-7.78B	-11.94B	-4.22B	-2.21B	-6.73B
Capital Expenditures	-402.36M	-472.03M	-479.76M	-342.33M	-259.86M
Investment in Securities	-7.26B	-11.36B	-3.67B	-1.84B	-6.47B
Other Investing Activities	-195.50M	-107.82M	-69.94M	-33.37M	—
Sale of Property, Plant and Equipment	76.26M	0.23M	0.24M	0.69M	0.94M
Gain (Loss) on Sale of Assets	-36.02M	-0.18M	-0.12M	0.04M	2.22M
Gain (Loss) on Sale of Investments	-3.21M	-11.16M	87.16M	211.15M	56.57M
Financing Activities
Financing Cash Flow	29.64B	19.98B	16.08B	17.83B	13.34B
Common Dividends Paid	-2.62B	-2.40B	-2.22B	-1.92B	-1.26B
Issuance of Common Stock	4.94B	3.00B	—	—	—
Repurchase of Common Stock	-123.89M	-107.65M	-115.91M	-66.23M	—
Long-Term Debt Issued	30.21B	6.96B	4.13B	4.50B	—
Long-Term Debt Repaid	-7.39B	-0.09B	-0.10B	-0.10B	-0.04B
Net Debt Issued (Repaid)	22.82B	6.86B	4.03B	4.40B	-0.04B
Other Financing Activities	-5.47B	-0.28B	-0.22B	-0.22B	-0.20B
Free Cash Flow & Returns
Free Cash Flow	-22.64B	-8.61B	-15.03B	-16.39B	-7.25B
Free Cash Flow Margin	-237.1%	-101.6%	-194.4%	-246.1%	-115.3%
Free Cash Flow Per Share	-9.14	-3.47	-6.03	-6.58	-2.91
Net Cash Flow	-0.37B	-0.09B	-2.68B	-0.43B	-0.38B