MRNA

Morabaha Marina Financing Company

4082StocksTadawulDiversified Financials

Financials

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Annual (SAR)

	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022	2021Dec 31, 2021	2020Dec 31, 2020
Operating Summary
Cost of Revenue	155.83M	140.08M	93.15M	64.84M	58.96M
Operating Income	23.80M	33.02M	49.60M	47.48M	39.81M
Pretax Income	30.43M	39.88M	54.49M	47.48M	39.81M
Income Tax	7.69M	8.91M	9.51M	6.60M	5.87M
Net Income	22.74M	30.97M	44.98M	40.88M	33.94M
EPS (Basic)	0.33	0.50	0.99	1.35	1.24
EPS (Diluted)	0.33	0.50	0.99	1.35	1.24
DPS	0.35	0.53	—	—	—
Revenue & Income
Revenue Fin	169.37M	167.62M	135.28M	113.67M	99.56M
Revenue Growth (YoY)	+1.0%	+23.9%	+19.0%	+14.2%	-4.7%
Revenues Before Loan Losses	193.96M	171.16M	163.98M	152.49M	123.00M
Commissions And Fees	192.86M	169.42M	158.11M	133.62M	105.59M
Other Revenue Fin	—	—	—	18.87M	17.41M
Expenses & Provisions
Cost Of Services Provided	155.83M	140.08M	93.15M	64.84M	58.96M
Other Operating Expenses	-10.26M	-5.48M	-7.47M	1.35M	0.78M
Total Operating Expenses Fin	145.57M	134.60M	85.68M	66.19M	59.75M
Provision for Loan Losses	24.59M	3.54M	28.69M	38.81M	23.44M
Profitability & Returns
EBT Excluding Unusual Items	30.43M	39.88M	51.09M	47.48M	39.81M
Pretax Income	30.43M	39.88M	54.49M	47.48M	39.81M
Operating Income	23.80M	33.02M	49.60M	47.48M	39.81M
Operating Margin	+14.1%	+19.7%	+36.7%	+41.8%	+40.0%
Profit Margin	+13.4%	+18.5%	+33.2%	+36.0%	+34.1%
Net Income	22.74M	30.97M	44.98M	40.88M	33.94M
Net Income to Common	22.74M	30.97M	44.98M	40.88M	33.94M
Net Income Growth	-26.6%	-31.2%	+10.0%	+20.4%	+15.4%
Income Tax Expense	7.69M	8.91M	9.51M	6.60M	5.87M
Effective Tax Rate	+25.3%	+22.3%	+17.5%	+13.9%	+14.8%
Per Share & Capital
EPS (Basic)	0.33	0.50	0.99	1.35	1.24
EPS (Diluted)	0.33	0.50	0.99	1.35	1.24
EPS Growth	-35.5%	-49.1%	-26.8%	+8.8%	+0.7%
Dividend Per Share	0.35	0.53	—	—	—
Shares Change (YoY)	0.14	0.35	0.5	0.11	0.15
Shares Outstanding (Basic)	69.80M	61.33M	45.35M	30.19M	27.27M
Shares Outstanding (Diluted)	69.80M	61.33M	45.35M	30.19M	27.27M
Dividend Growth	-34.0%	—	—	—	—
Free Cash Flow	-35.72M	-75.82M	-69.00M	-62.03M	-228.42M
Free Cash Flow Margin	-21.1%	-45.2%	-51.0%	-54.6%	-229.4%
Free Cash Flow Per Share	-0.51	-1.24	-1.52	-2.06	-8.38
Payout Ratio	+107.4%	+119.5%	—	—	—
Supplemental
Int Exp Fin	-1.10M	-1.74M	-5.86M	—	—
Net Int Inc Fin	1.10M	1.74M	5.86M	—	—
Other Unusual Items	—	—	3.40M	—	—

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Annual (SAR)

	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022	2021Dec 31, 2021	2020Dec 31, 2020
Operating Summary
Cost of Revenue	155.83M	140.08M	93.15M	64.84M	58.96M
Operating Income	23.80M	33.02M	49.60M	47.48M	39.81M
Pretax Income	30.43M	39.88M	54.49M	47.48M	39.81M
Income Tax	7.69M	8.91M	9.51M	6.60M	5.87M
Net Income	22.74M	30.97M	44.98M	40.88M	33.94M
EPS (Basic)	0.33	0.50	0.99	1.35	1.24
EPS (Diluted)	0.33	0.50	0.99	1.35	1.24
DPS	0.35	0.53	—	—	—
Revenue & Income
Revenue Fin	169.37M	167.62M	135.28M	113.67M	99.56M
Revenue Growth (YoY)	+1.0%	+23.9%	+19.0%	+14.2%	-4.7%
Revenues Before Loan Losses	193.96M	171.16M	163.98M	152.49M	123.00M
Commissions And Fees	192.86M	169.42M	158.11M	133.62M	105.59M
Other Revenue Fin	—	—	—	18.87M	17.41M
Expenses & Provisions
Cost Of Services Provided	155.83M	140.08M	93.15M	64.84M	58.96M
Other Operating Expenses	-10.26M	-5.48M	-7.47M	1.35M	0.78M
Total Operating Expenses Fin	145.57M	134.60M	85.68M	66.19M	59.75M
Provision for Loan Losses	24.59M	3.54M	28.69M	38.81M	23.44M
Profitability & Returns
EBT Excluding Unusual Items	30.43M	39.88M	51.09M	47.48M	39.81M
Pretax Income	30.43M	39.88M	54.49M	47.48M	39.81M
Operating Income	23.80M	33.02M	49.60M	47.48M	39.81M
Operating Margin	+14.1%	+19.7%	+36.7%	+41.8%	+40.0%
Profit Margin	+13.4%	+18.5%	+33.2%	+36.0%	+34.1%
Net Income	22.74M	30.97M	44.98M	40.88M	33.94M
Net Income to Common	22.74M	30.97M	44.98M	40.88M	33.94M
Net Income Growth	-26.6%	-31.2%	+10.0%	+20.4%	+15.4%
Income Tax Expense	7.69M	8.91M	9.51M	6.60M	5.87M
Effective Tax Rate	+25.3%	+22.3%	+17.5%	+13.9%	+14.8%
Per Share & Capital
EPS (Basic)	0.33	0.50	0.99	1.35	1.24
EPS (Diluted)	0.33	0.50	0.99	1.35	1.24
EPS Growth	-35.5%	-49.1%	-26.8%	+8.8%	+0.7%
Dividend Per Share	0.35	0.53	—	—	—
Shares Change (YoY)	0.14	0.35	0.5	0.11	0.15
Shares Outstanding (Basic)	69.80M	61.33M	45.35M	30.19M	27.27M
Shares Outstanding (Diluted)	69.80M	61.33M	45.35M	30.19M	27.27M
Dividend Growth	-34.0%	—	—	—	—
Free Cash Flow	-35.72M	-75.82M	-69.00M	-62.03M	-228.42M
Free Cash Flow Margin	-21.1%	-45.2%	-51.0%	-54.6%	-229.4%
Free Cash Flow Per Share	-0.51	-1.24	-1.52	-2.06	-8.38
Payout Ratio	+107.4%	+119.5%	—	—	—
Supplemental
Int Exp Fin	-1.10M	-1.74M	-5.86M	—	—
Net Int Inc Fin	1.10M	1.74M	5.86M	—	—
Other Unusual Items	—	—	3.40M	—	—