DERAYAH

Derayah Financial Company

4084StocksTadawulDiversified 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
Revenue	869.91M	620.88M	645.46M	588.88M	277.30M
Operating Income	517.70M	366.46M	361.38M	371.28M	114.52M
Interest Income	2.22M	0.91M	1.82M	2.25M	2.11M
Pretax Income	455.68M	347.95M	322.84M	378.27M	119.45M
Income Tax	11.78M	18.24M	15.33M	12.79M	14.91M
Net Income	443.90M	329.70M	307.51M	365.48M	104.54M
Net Interest Income	-4.54M	-1.73M	1.82M	2.25M	2.11M
Broker Commission	203.48M	135.61M	35.22M	8.39M	5.94M
EPS (Basic)	1.83	1.36	1.23	1.46	0.42
EPS (Diluted)	1.83	1.36	1.23	1.46	0.42
DPS	1.18	14.00	0.75	0.16	0.07
Margins & Efficiency
Net Margin %	+51.0%	+53.1%	+47.6%	+62.1%	+37.7%
Revenue & Income
Revenue	869.91M	620.88M	645.46M	588.88M	277.30M
Revenue as Reported	876.68M	623.53M	645.46M	588.88M	277.30M
Revenue Growth (YoY)	+40.1%	-3.8%	+9.6%	+112.4%	+116.8%
Broker Commission	203.48M	135.61M	35.22M	8.39M	5.94M
Other Revenue CM	635.13M	470.03M	613.74M	575.07M	268.65M
Earnings From Equity Investments	-72.01M	-27.94M	-38.20M	—	—
Gain Invest Rev	35.85M	16.97M	-5.31M	3.16M	0.60M
Currency Exchange Gain (Loss)	9.46M	8.60M	-1.14M	5.35M	—
Currency Gains CM	9.46M	8.60M	-1.14M	5.35M	—
Expenses & Provisions
Cost Of Services Provided	192.16M	121.64M	95.38M	116.66M	76.22M
Other Operating Expenses	9.81M	4.80M	31.39M	2.61M	—
Total Operating Expenses CM	352.21M	254.42M	284.08M	217.59M	162.78M
Other Non Oper Exp CM	0.53M	0.83M	0.82M	1.63M	4.93M
Other Non Operating Income (Expenses)	0.53M	0.83M	0.82M	1.63M	4.93M
Salaries and Employee Benefits	151.58M	127.54M	157.12M	98.29M	82.14M
Profitability & Returns
EBT Excluding Unusual Items	455.68M	347.95M	322.84M	378.27M	119.45M
Pretax Income	455.68M	347.95M	322.84M	378.27M	119.45M
Operating Income	517.70M	366.46M	361.38M	371.28M	114.52M
Operating Margin	+59.5%	+59.0%	+56.0%	+63.0%	+41.3%
Profit Margin	+51.0%	+53.1%	+47.6%	+62.1%	+37.7%
Net Income	443.90M	329.70M	307.51M	365.48M	104.54M
Net Income to Common	443.90M	329.70M	307.51M	365.48M	104.54M
Net Income Growth	+34.6%	+7.2%	-15.9%	+249.6%	+305.5%
Income Tax Expense	11.78M	18.24M	15.33M	12.79M	14.91M
Effective Tax Rate	+2.6%	+5.2%	+4.8%	+3.4%	+12.5%
Per Share & Capital
EPS (Basic)	1.83	1.36	1.23	1.46	0.42
EPS (Diluted)	1.83	1.36	1.23	1.46	0.42
EPS Growth	+34.6%	+10.3%	-15.9%	+247.0%	+305.5%
Dividend Per Share	1.18	14.00	0.75	0.16	0.07
Shares Change (YoY)	—	-0.03	—	0.01	—
Shares Outstanding (Basic)	242.67M	242.67M	249.74M	249.74M	247.89M
Shares Outstanding (Diluted)	242.67M	242.67M	249.74M	249.74M	247.89M
Dividend Growth	-91.5%	+1,773.4%	+359.9%	+150.0%	—
Free Cash Flow	442.35M	234.69M	185.19M	199.15M	140.13M
Free Cash Flow Margin	+50.9%	+37.8%	+28.7%	+33.8%	+50.5%
Free Cash Flow Per Share	1.82	0.97	0.74	0.80	0.57
Payout Ratio	+65.7%	+68.9%	+60.7%	+11.0%	+15.4%
Supplemental
Int Exp CM	6.76M	2.65M	—	—	—
Int Inc CM	2.22M	0.91M	1.82M	2.25M	2.11M
Net Int Inc CM	-4.54M	-1.73M	1.82M	2.25M	2.11M

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
Revenue	869.91M	620.88M	645.46M	588.88M	277.30M
Operating Income	517.70M	366.46M	361.38M	371.28M	114.52M
Interest Income	2.22M	0.91M	1.82M	2.25M	2.11M
Pretax Income	455.68M	347.95M	322.84M	378.27M	119.45M
Income Tax	11.78M	18.24M	15.33M	12.79M	14.91M
Net Income	443.90M	329.70M	307.51M	365.48M	104.54M
Net Interest Income	-4.54M	-1.73M	1.82M	2.25M	2.11M
Broker Commission	203.48M	135.61M	35.22M	8.39M	5.94M
EPS (Basic)	1.83	1.36	1.23	1.46	0.42
EPS (Diluted)	1.83	1.36	1.23	1.46	0.42
DPS	1.18	14.00	0.75	0.16	0.07
Margins & Efficiency
Net Margin %	+51.0%	+53.1%	+47.6%	+62.1%	+37.7%
Revenue & Income
Revenue	869.91M	620.88M	645.46M	588.88M	277.30M
Revenue as Reported	876.68M	623.53M	645.46M	588.88M	277.30M
Revenue Growth (YoY)	+40.1%	-3.8%	+9.6%	+112.4%	+116.8%
Broker Commission	203.48M	135.61M	35.22M	8.39M	5.94M
Other Revenue CM	635.13M	470.03M	613.74M	575.07M	268.65M
Earnings From Equity Investments	-72.01M	-27.94M	-38.20M	—	—
Gain Invest Rev	35.85M	16.97M	-5.31M	3.16M	0.60M
Currency Exchange Gain (Loss)	9.46M	8.60M	-1.14M	5.35M	—
Currency Gains CM	9.46M	8.60M	-1.14M	5.35M	—
Expenses & Provisions
Cost Of Services Provided	192.16M	121.64M	95.38M	116.66M	76.22M
Other Operating Expenses	9.81M	4.80M	31.39M	2.61M	—
Total Operating Expenses CM	352.21M	254.42M	284.08M	217.59M	162.78M
Other Non Oper Exp CM	0.53M	0.83M	0.82M	1.63M	4.93M
Other Non Operating Income (Expenses)	0.53M	0.83M	0.82M	1.63M	4.93M
Salaries and Employee Benefits	151.58M	127.54M	157.12M	98.29M	82.14M
Profitability & Returns
EBT Excluding Unusual Items	455.68M	347.95M	322.84M	378.27M	119.45M
Pretax Income	455.68M	347.95M	322.84M	378.27M	119.45M
Operating Income	517.70M	366.46M	361.38M	371.28M	114.52M
Operating Margin	+59.5%	+59.0%	+56.0%	+63.0%	+41.3%
Profit Margin	+51.0%	+53.1%	+47.6%	+62.1%	+37.7%
Net Income	443.90M	329.70M	307.51M	365.48M	104.54M
Net Income to Common	443.90M	329.70M	307.51M	365.48M	104.54M
Net Income Growth	+34.6%	+7.2%	-15.9%	+249.6%	+305.5%
Income Tax Expense	11.78M	18.24M	15.33M	12.79M	14.91M
Effective Tax Rate	+2.6%	+5.2%	+4.8%	+3.4%	+12.5%
Per Share & Capital
EPS (Basic)	1.83	1.36	1.23	1.46	0.42
EPS (Diluted)	1.83	1.36	1.23	1.46	0.42
EPS Growth	+34.6%	+10.3%	-15.9%	+247.0%	+305.5%
Dividend Per Share	1.18	14.00	0.75	0.16	0.07
Shares Change (YoY)	—	-0.03	—	0.01	—
Shares Outstanding (Basic)	242.67M	242.67M	249.74M	249.74M	247.89M
Shares Outstanding (Diluted)	242.67M	242.67M	249.74M	249.74M	247.89M
Dividend Growth	-91.5%	+1,773.4%	+359.9%	+150.0%	—
Free Cash Flow	442.35M	234.69M	185.19M	199.15M	140.13M
Free Cash Flow Margin	+50.9%	+37.8%	+28.7%	+33.8%	+50.5%
Free Cash Flow Per Share	1.82	0.97	0.74	0.80	0.57
Payout Ratio	+65.7%	+68.9%	+60.7%	+11.0%	+15.4%
Supplemental
Int Exp CM	6.76M	2.65M	—	—	—
Int Inc CM	2.22M	0.91M	1.82M	2.25M	2.11M
Net Int Inc CM	-4.54M	-1.73M	1.82M	2.25M	2.11M