TASHEEL

United International Holding Co.

4083StocksTadawulDiversified Financials

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
Operating Summary
Cost of Revenue	35.64M	33.42M	21.67M	138.25M	120.82M
Operating Income	306.34M	248.37M	234.79M	210.12M	142.46M
Pretax Income	307.18M	248.01M	236.59M	214.26M	143.93M
Income Tax	35.03M	25.63M	24.42M	21.51M	14.31M
Net Income	273.64M	222.38M	212.16M	192.75M	129.63M
EPS (Basic)	10.95	8.90	8.49	7.71	5.19
EPS (Diluted)	10.95	8.90	8.49	7.71	5.19
Revenue & Income
Revenue Fin	547.59M	448.71M	400.00M	348.37M	263.28M
Revenue Growth (YoY)	+22.0%	+12.2%	+14.8%	+32.3%	+145.7%
Revenues Before Loan Losses	672.42M	543.62M	460.59M	389.12M	289.58M
Other Revenue Fin	1.11M	—	—	—	—
Expenses & Provisions
Cost Of Services Provided	35.64M	33.42M	21.67M	138.25M	120.82M
Other Operating Expenses	80.33M	64.75M	47.62M	—	—
Total Operating Expenses Fin	241.25M	200.34M	165.21M	138.25M	120.82M
Provision for Loan Losses	124.83M	94.91M	60.59M	40.75M	26.30M
Salaries and Employee Benefits	118.29M	95.78M	90.45M	—	—
Profitability & Returns
Pretax Income	307.18M	248.01M	236.59M	214.26M	143.93M
Operating Income	306.34M	248.37M	234.79M	210.12M	142.46M
Operating Margin	+55.9%	+55.4%	+58.7%	+60.3%	+54.1%
Profit Margin	+50.0%	+49.6%	+53.0%	+55.3%	+49.2%
Net Income	273.64M	222.38M	212.16M	192.75M	129.63M
Net Income to Common	273.64M	222.38M	212.16M	192.75M	129.63M
Net Income Growth	+23.0%	+4.8%	+10.1%	+48.7%	+484.9%
Earnings From Continuing Ops.	272.16M	222.38M	212.16M	192.75M	129.63M
Minority Interest in Earnings	1.48M	—	—	—	—
Income Tax Expense	35.03M	25.63M	24.42M	21.51M	14.31M
Effective Tax Rate	+11.4%	+10.3%	+10.3%	+10.0%	+9.9%
Per Share & Capital
EPS (Basic)	10.95	8.90	8.49	7.71	5.19
EPS (Diluted)	10.95	8.90	8.49	7.71	5.19
EPS Growth	+23.0%	+4.8%	+10.1%	+48.7%	+484.9%
Shares Outstanding (Basic)	25.00M	25.00M	25.00M	25.00M	25.00M
Shares Outstanding (Diluted)	25.00M	25.00M	25.00M	25.00M	25.00M
Free Cash Flow	-308.65M	-325.61M	-105.24M	-164.23M	-351.60M
Free Cash Flow Margin	-56.4%	-72.6%	-26.3%	-47.1%	-133.5%
Free Cash Flow Per Share	-12.35	-13.02	-4.21	-6.57	-14.06
Supplemental
Int Exp Fin	97.06M	80.05M	63.26M	27.83M	11.31M
Int Inc Fin	768.36M	623.67M	523.85M	416.96M	300.90M
Net Int Inc Fin	671.31M	543.62M	460.59M	389.12M	289.58M

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
Operating Summary
Cost of Revenue	35.64M	33.42M	21.67M	138.25M	120.82M
Operating Income	306.34M	248.37M	234.79M	210.12M	142.46M
Pretax Income	307.18M	248.01M	236.59M	214.26M	143.93M
Income Tax	35.03M	25.63M	24.42M	21.51M	14.31M
Net Income	273.64M	222.38M	212.16M	192.75M	129.63M
EPS (Basic)	10.95	8.90	8.49	7.71	5.19
EPS (Diluted)	10.95	8.90	8.49	7.71	5.19
Revenue & Income
Revenue Fin	547.59M	448.71M	400.00M	348.37M	263.28M
Revenue Growth (YoY)	+22.0%	+12.2%	+14.8%	+32.3%	+145.7%
Revenues Before Loan Losses	672.42M	543.62M	460.59M	389.12M	289.58M
Other Revenue Fin	1.11M	—	—	—	—
Expenses & Provisions
Cost Of Services Provided	35.64M	33.42M	21.67M	138.25M	120.82M
Other Operating Expenses	80.33M	64.75M	47.62M	—	—
Total Operating Expenses Fin	241.25M	200.34M	165.21M	138.25M	120.82M
Provision for Loan Losses	124.83M	94.91M	60.59M	40.75M	26.30M
Salaries and Employee Benefits	118.29M	95.78M	90.45M	—	—
Profitability & Returns
Pretax Income	307.18M	248.01M	236.59M	214.26M	143.93M
Operating Income	306.34M	248.37M	234.79M	210.12M	142.46M
Operating Margin	+55.9%	+55.4%	+58.7%	+60.3%	+54.1%
Profit Margin	+50.0%	+49.6%	+53.0%	+55.3%	+49.2%
Net Income	273.64M	222.38M	212.16M	192.75M	129.63M
Net Income to Common	273.64M	222.38M	212.16M	192.75M	129.63M
Net Income Growth	+23.0%	+4.8%	+10.1%	+48.7%	+484.9%
Earnings From Continuing Ops.	272.16M	222.38M	212.16M	192.75M	129.63M
Minority Interest in Earnings	1.48M	—	—	—	—
Income Tax Expense	35.03M	25.63M	24.42M	21.51M	14.31M
Effective Tax Rate	+11.4%	+10.3%	+10.3%	+10.0%	+9.9%
Per Share & Capital
EPS (Basic)	10.95	8.90	8.49	7.71	5.19
EPS (Diluted)	10.95	8.90	8.49	7.71	5.19
EPS Growth	+23.0%	+4.8%	+10.1%	+48.7%	+484.9%
Shares Outstanding (Basic)	25.00M	25.00M	25.00M	25.00M	25.00M
Shares Outstanding (Diluted)	25.00M	25.00M	25.00M	25.00M	25.00M
Free Cash Flow	-308.65M	-325.61M	-105.24M	-164.23M	-351.60M
Free Cash Flow Margin	-56.4%	-72.6%	-26.3%	-47.1%	-133.5%
Free Cash Flow Per Share	-12.35	-13.02	-4.21	-6.57	-14.06
Supplemental
Int Exp Fin	97.06M	80.05M	63.26M	27.83M	11.31M
Int Inc Fin	768.36M	623.67M	523.85M	416.96M	300.90M
Net Int Inc Fin	671.31M	543.62M	460.59M	389.12M	289.58M