SHL

SHL Finance Co.

1183StocksTadawulDiversified Financials

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
Operations
Operating Cash Flow	59.65M	112.15M	164.62M	147.64M	322.45M
Free Cash Flow	57.73M	111.78M	162.99M	147.37M	322.36M
Capital Expenditures	-1.92M	-0.37M	-1.63M	-0.27M	-0.08M
Investing & Financing
Investing Cash Flow	-2.68M	-1.15M	-2.05M	-0.35M	-1.42M
Financing Cash Flow	-55.30M	-122.08M	-125.15M	-288.43M	-243.94M
Dividends Paid	—	—	-50.00M	-77.40M	—
Operating Activities
Operating Cash Flow	59.65M	112.15M	164.62M	147.64M	322.45M
Net Income	50.68M	26.53M	2.33M	95.89M	103.20M
Change in Accounts Payable	12.85M	-6.90M	2.41M	4.69M	-0.69M
Change in Other Net Operating Assets	-232.16M	-151.19M	-31.52M	-11.54M	149.94M
Change in Trading Asset Securities	—	26.00M	—	—	—
Change in Working Capital	-219.31M	-132.09M	-29.10M	-6.85M	149.25M
Other Operating Activities	206.78M	213.65M	182.21M	106.80M	79.72M
Provision for Credit Losses	11.84M	-6.52M	-4.51M	-26.92M	-18.36M
Depreciation & Amortization	4.19M	4.44M	4.46M	4.55M	4.73M
Other Amortization	1.84M	2.23M	2.27M	3.83M	3.85M
Cash Interest Paid	201.21M	212.73M	0.30M	103.98M	82.26M
Cash Income Tax Paid	-0.35M	—	-7.88M	-10.87M	—
Asset Writedown & Restructuring Costs	3.63M	2.95M	2.79M	1.48M	0.06M
Investing Activities
Investing Cash Flow	-2.68M	-1.15M	-2.05M	-0.35M	-1.42M
Capital Expenditures	-1.92M	-0.37M	-1.63M	-0.27M	-0.08M
Sale (Purchase) of Intangibles	-0.81M	-0.80M	-0.42M	-0.09M	-1.34M
Sale of Property, Plant & Equipment	47.00K	26.00K	—	11.43K	—
Loss (Gain) on Sale of Investments	—	0.95M	4.18M	-31.13M	—
Financing Activities
Financing Cash Flow	-55.30M	-122.08M	-125.15M	-288.43M	-243.94M
Common Dividends Paid	—	—	-50.00M	-77.40M	—
Long-Term Debt Issued	555.00M	350.00M	455.00M	150.00M	200.00M
Long-Term Debt Repaid	-409.09M	-259.36M	-347.39M	-257.05M	-361.68M
Net Debt Issued (Repaid)	145.91M	90.64M	107.61M	-107.05M	-161.68M
Other Financing Activities	-201.21M	-212.73M	-182.76M	-103.98M	-82.26M
Free Cash Flow & Returns
Free Cash Flow	57.73M	111.78M	162.99M	147.37M	322.36M
Free Cash Flow Growth	-48.4%	-31.4%	+10.6%	-54.3%	+93.4%
Free Cash Flow Margin	+29.6%	+70.5%	+131.3%	+67.8%	+144.0%
Free Cash Flow Per Share	0.58	1.12	1.63	1.47	3.22
Operating Cash Flow Growth	-46.8%	-31.9%	+11.5%	-54.2%	+91.7%
Net Cash Flow	1.67M	-11.08M	37.43M	-141.14M	77.08M

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
Operations
Operating Cash Flow	59.65M	112.15M	164.62M	147.64M	322.45M
Free Cash Flow	57.73M	111.78M	162.99M	147.37M	322.36M
Capital Expenditures	-1.92M	-0.37M	-1.63M	-0.27M	-0.08M
Investing & Financing
Investing Cash Flow	-2.68M	-1.15M	-2.05M	-0.35M	-1.42M
Financing Cash Flow	-55.30M	-122.08M	-125.15M	-288.43M	-243.94M
Dividends Paid	—	—	-50.00M	-77.40M	—
Operating Activities
Operating Cash Flow	59.65M	112.15M	164.62M	147.64M	322.45M
Net Income	50.68M	26.53M	2.33M	95.89M	103.20M
Change in Accounts Payable	12.85M	-6.90M	2.41M	4.69M	-0.69M
Change in Other Net Operating Assets	-232.16M	-151.19M	-31.52M	-11.54M	149.94M
Change in Trading Asset Securities	—	26.00M	—	—	—
Change in Working Capital	-219.31M	-132.09M	-29.10M	-6.85M	149.25M
Other Operating Activities	206.78M	213.65M	182.21M	106.80M	79.72M
Provision for Credit Losses	11.84M	-6.52M	-4.51M	-26.92M	-18.36M
Depreciation & Amortization	4.19M	4.44M	4.46M	4.55M	4.73M
Other Amortization	1.84M	2.23M	2.27M	3.83M	3.85M
Cash Interest Paid	201.21M	212.73M	0.30M	103.98M	82.26M
Cash Income Tax Paid	-0.35M	—	-7.88M	-10.87M	—
Asset Writedown & Restructuring Costs	3.63M	2.95M	2.79M	1.48M	0.06M
Investing Activities
Investing Cash Flow	-2.68M	-1.15M	-2.05M	-0.35M	-1.42M
Capital Expenditures	-1.92M	-0.37M	-1.63M	-0.27M	-0.08M
Sale (Purchase) of Intangibles	-0.81M	-0.80M	-0.42M	-0.09M	-1.34M
Sale of Property, Plant & Equipment	47.00K	26.00K	—	11.43K	—
Loss (Gain) on Sale of Investments	—	0.95M	4.18M	-31.13M	—
Financing Activities
Financing Cash Flow	-55.30M	-122.08M	-125.15M	-288.43M	-243.94M
Common Dividends Paid	—	—	-50.00M	-77.40M	—
Long-Term Debt Issued	555.00M	350.00M	455.00M	150.00M	200.00M
Long-Term Debt Repaid	-409.09M	-259.36M	-347.39M	-257.05M	-361.68M
Net Debt Issued (Repaid)	145.91M	90.64M	107.61M	-107.05M	-161.68M
Other Financing Activities	-201.21M	-212.73M	-182.76M	-103.98M	-82.26M
Free Cash Flow & Returns
Free Cash Flow	57.73M	111.78M	162.99M	147.37M	322.36M
Free Cash Flow Growth	-48.4%	-31.4%	+10.6%	-54.3%	+93.4%
Free Cash Flow Margin	+29.6%	+70.5%	+131.3%	+67.8%	+144.0%
Free Cash Flow Per Share	0.58	1.12	1.63	1.47	3.22
Operating Cash Flow Growth	-46.8%	-31.9%	+11.5%	-54.2%	+91.7%
Net Cash Flow	1.67M	-11.08M	37.43M	-141.14M	77.08M