AMLAK

Amlak International for Real Estate Finance Company

1182StocksTadawulReal Estate

Financials

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Annual (SAR)

1-5

	2025Dec 31, 2025	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022	2021Dec 31, 2021
Operating Summary
Revenue	567.99M	452.27M	313.16M	291.47M	—
Cost of Revenue	175.16M	149.24M	114.16M	97.61M	99.23M
Operating Income	82.18M	58.63M	38.95M	110.93M	123.34M
Pretax Income	82.18M	58.63M	38.95M	110.93M	123.34M
Income Tax	16.95M	12.32M	7.15M	14.21M	15.58M
Net Income	65.23M	46.31M	31.81M	96.72M	107.75M
EPS (Basic)	0.64	0.45	0.31	0.95	1.06
EPS (Diluted)	0.64	0.45	0.31	0.95	1.06
DPS	—	—	—	0.71	0.76
Margins & Efficiency
Net Margin %	+11.5%	+10.2%	+10.2%	+33.2%	—
Revenue & Income
Revenue as Reported	567.99M	452.27M	313.16M	291.47M	—
Revenue Fin	286.60M	225.55M	167.84M	218.67M	232.02M
Revenue Growth (YoY)	+27.1%	+34.4%	-23.2%	-5.8%	+11.4%
Revenues Before Loan Losses	362.21M	254.04M	182.21M	221.08M	230.24M
Commissions And Fees	37.63M	20.20M	14.12M	19.03M	21.40M
Other Revenue Fin	463.11M	325.71M	123.78M	31.40M	20.69M
Gain Invest Rev Fin	—	—	-0.03M	11.96M	1.63M
Expenses & Provisions
Cost Of Services Provided	175.16M	149.24M	114.16M	97.61M	99.23M
Other Operating Expenses	8.70M	4.77M	4.84M	0.78M	0.67M
Total Operating Expenses Fin	204.42M	166.92M	128.89M	107.74M	108.69M
Provision for Loan Losses	75.61M	28.49M	14.36M	2.40M	-1.78M
Profitability & Returns
EBT Excluding Unusual Items	82.18M	58.63M	38.95M	110.93M	123.34M
Pretax Income	82.18M	58.63M	38.95M	110.93M	123.34M
Operating Income	82.18M	58.63M	38.95M	110.93M	123.34M
Operating Margin	+28.7%	+26.0%	+23.2%	+50.7%	+53.2%
Profit Margin	+22.8%	+20.5%	+19.0%	+44.2%	+46.4%
Net Income	65.23M	46.31M	31.81M	96.72M	107.75M
Net Income to Common	65.23M	46.31M	31.81M	96.72M	107.75M
Net Income Growth	+40.8%	+45.6%	-67.1%	-10.2%	+9.0%
Income Tax Expense	16.95M	12.32M	7.15M	14.21M	15.58M
Effective Tax Rate	+20.6%	+21.0%	+18.3%	+12.8%	+12.6%
Per Share & Capital
EPS (Basic)	0.64	0.45	0.31	0.95	1.06
EPS (Diluted)	0.64	0.45	0.31	0.95	1.06
EPS Growth	+40.8%	+45.6%	-67.1%	-10.2%	+9.0%
Dividend Per Share	—	—	—	0.71	0.76
Shares Outstanding (Basic)	101.93M	101.93M	101.93M	101.93M	101.93M
Shares Outstanding (Diluted)	101.93M	101.93M	101.93M	101.93M	101.93M
Dividend Growth	—	—	—	-5.9%	+6.3%
Free Cash Flow	150.47M	-566.94M	-414.73M	245.59M	34.27M
Free Cash Flow Margin	+52.5%	-251.4%	-247.1%	+112.3%	+14.8%
Free Cash Flow Per Share	1.48	-5.56	-4.07	2.41	0.34
Payout Ratio	—	—	+227.9%	+79.6%	+67.3%
Supplemental
Int Exp Fin	205.78M	198.23M	136.11M	70.39M	54.22M
Int Inc Fin	67.25M	106.35M	180.44M	229.07M	240.74M
Net Int Inc Fin	-138.54M	-91.87M	44.33M	158.68M	186.52M

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Annual (SAR)

1-5

	2025Dec 31, 2025	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022	2021Dec 31, 2021
Operating Summary
Revenue	567.99M	452.27M	313.16M	291.47M	—
Cost of Revenue	175.16M	149.24M	114.16M	97.61M	99.23M
Operating Income	82.18M	58.63M	38.95M	110.93M	123.34M
Pretax Income	82.18M	58.63M	38.95M	110.93M	123.34M
Income Tax	16.95M	12.32M	7.15M	14.21M	15.58M
Net Income	65.23M	46.31M	31.81M	96.72M	107.75M
EPS (Basic)	0.64	0.45	0.31	0.95	1.06
EPS (Diluted)	0.64	0.45	0.31	0.95	1.06
DPS	—	—	—	0.71	0.76
Margins & Efficiency
Net Margin %	+11.5%	+10.2%	+10.2%	+33.2%	—
Revenue & Income
Revenue as Reported	567.99M	452.27M	313.16M	291.47M	—
Revenue Fin	286.60M	225.55M	167.84M	218.67M	232.02M
Revenue Growth (YoY)	+27.1%	+34.4%	-23.2%	-5.8%	+11.4%
Revenues Before Loan Losses	362.21M	254.04M	182.21M	221.08M	230.24M
Commissions And Fees	37.63M	20.20M	14.12M	19.03M	21.40M
Other Revenue Fin	463.11M	325.71M	123.78M	31.40M	20.69M
Gain Invest Rev Fin	—	—	-0.03M	11.96M	1.63M
Expenses & Provisions
Cost Of Services Provided	175.16M	149.24M	114.16M	97.61M	99.23M
Other Operating Expenses	8.70M	4.77M	4.84M	0.78M	0.67M
Total Operating Expenses Fin	204.42M	166.92M	128.89M	107.74M	108.69M
Provision for Loan Losses	75.61M	28.49M	14.36M	2.40M	-1.78M
Profitability & Returns
EBT Excluding Unusual Items	82.18M	58.63M	38.95M	110.93M	123.34M
Pretax Income	82.18M	58.63M	38.95M	110.93M	123.34M
Operating Income	82.18M	58.63M	38.95M	110.93M	123.34M
Operating Margin	+28.7%	+26.0%	+23.2%	+50.7%	+53.2%
Profit Margin	+22.8%	+20.5%	+19.0%	+44.2%	+46.4%
Net Income	65.23M	46.31M	31.81M	96.72M	107.75M
Net Income to Common	65.23M	46.31M	31.81M	96.72M	107.75M
Net Income Growth	+40.8%	+45.6%	-67.1%	-10.2%	+9.0%
Income Tax Expense	16.95M	12.32M	7.15M	14.21M	15.58M
Effective Tax Rate	+20.6%	+21.0%	+18.3%	+12.8%	+12.6%
Per Share & Capital
EPS (Basic)	0.64	0.45	0.31	0.95	1.06
EPS (Diluted)	0.64	0.45	0.31	0.95	1.06
EPS Growth	+40.8%	+45.6%	-67.1%	-10.2%	+9.0%
Dividend Per Share	—	—	—	0.71	0.76
Shares Outstanding (Basic)	101.93M	101.93M	101.93M	101.93M	101.93M
Shares Outstanding (Diluted)	101.93M	101.93M	101.93M	101.93M	101.93M
Dividend Growth	—	—	—	-5.9%	+6.3%
Free Cash Flow	150.47M	-566.94M	-414.73M	245.59M	34.27M
Free Cash Flow Margin	+52.5%	-251.4%	-247.1%	+112.3%	+14.8%
Free Cash Flow Per Share	1.48	-5.56	-4.07	2.41	0.34
Payout Ratio	—	—	+227.9%	+79.6%	+67.3%
Supplemental
Int Exp Fin	205.78M	198.23M	136.11M	70.39M	54.22M
Int Inc Fin	67.25M	106.35M	180.44M	229.07M	240.74M
Net Int Inc Fin	-138.54M	-91.87M	44.33M	158.68M	186.52M