QUARA

Quara Finance Company

9596StocksTadawulTechnology

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	-32.24M	-35.27M	101.47M	203.50M	39.75M
Free Cash Flow	-37.02M	-42.00M	95.03M	199.37M	34.79M
Capital Expenditures	-4.78M	-6.73M	-6.44M	-4.12M	-4.96M
Investing & Financing
Investing Cash Flow	-4.78M	-5.23M	-6.40M	-3.42M	-4.96M
Financing Cash Flow	123.98M	63.51M	-234.69M	-215.19M	43.41M
Operating Activities
Operating Cash Flow	-32.24M	-35.27M	101.47M	203.50M	39.75M
Net Income	8.12M	43.25M	53.79M	50.84M	31.80M
Change in Other Net Operating Assets	-145.92M	-135.19M	5.92M	125.39M	-27.37M
Change in Working Capital	-145.92M	-135.19M	5.92M	125.39M	-27.37M
Other Operating Activities	-0.25M	5.54M	5.02M	-4.76M	1.57M
Provision for Credit Losses	101.71M	46.94M	32.36M	28.02M	30.64M
Depreciation & Amortization	2.27M	3.16M	3.99M	3.81M	3.12M
Other Amortization	1.83M	0.88M	0.39M	—	—
Cash Interest Paid	28.38M	8.15M	7.50M	14.99M	36.10M
Investing Activities
Investing Cash Flow	-4.78M	-5.23M	-6.40M	-3.42M	-4.96M
Capital Expenditures	-4.78M	-6.73M	-6.44M	-4.12M	-4.96M
Sale of Property, Plant & Equipment	—	1.50M	0.04M	0.71M	—
Financing Activities
Financing Cash Flow	123.98M	63.51M	-234.69M	-215.19M	43.41M
Issuance of Common Stock	—	—	—	—	—
Long-Term Debt Issued	362.63M	188.00M	133.75M	189.93M	283.38M
Long-Term Debt Repaid	-238.66M	-124.49M	-368.44M	-405.11M	-239.98M
Net Debt Issued (Repaid)	123.98M	63.51M	-234.69M	-215.19M	43.41M
Other Financing Activities	—	—	—	—	—
Free Cash Flow & Returns
Free Cash Flow	-37.02M	-42.00M	95.03M	199.37M	34.79M
Free Cash Flow Growth	—	—	-52.3%	+473.1%	—
Free Cash Flow Margin	-27.4%	-29.2%	+55.2%	+136.8%	+28.0%
Free Cash Flow Per Share	-1.23	-1.40	3.17	6.65	1.16
Operating Cash Flow Growth	—	—	-50.1%	+412.0%	—
Net Cash Flow	86.95M	23.01M	-139.63M	-15.11M	78.19M

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	-32.24M	-35.27M	101.47M	203.50M	39.75M
Free Cash Flow	-37.02M	-42.00M	95.03M	199.37M	34.79M
Capital Expenditures	-4.78M	-6.73M	-6.44M	-4.12M	-4.96M
Investing & Financing
Investing Cash Flow	-4.78M	-5.23M	-6.40M	-3.42M	-4.96M
Financing Cash Flow	123.98M	63.51M	-234.69M	-215.19M	43.41M
Operating Activities
Operating Cash Flow	-32.24M	-35.27M	101.47M	203.50M	39.75M
Net Income	8.12M	43.25M	53.79M	50.84M	31.80M
Change in Other Net Operating Assets	-145.92M	-135.19M	5.92M	125.39M	-27.37M
Change in Working Capital	-145.92M	-135.19M	5.92M	125.39M	-27.37M
Other Operating Activities	-0.25M	5.54M	5.02M	-4.76M	1.57M
Provision for Credit Losses	101.71M	46.94M	32.36M	28.02M	30.64M
Depreciation & Amortization	2.27M	3.16M	3.99M	3.81M	3.12M
Other Amortization	1.83M	0.88M	0.39M	—	—
Cash Interest Paid	28.38M	8.15M	7.50M	14.99M	36.10M
Investing Activities
Investing Cash Flow	-4.78M	-5.23M	-6.40M	-3.42M	-4.96M
Capital Expenditures	-4.78M	-6.73M	-6.44M	-4.12M	-4.96M
Sale of Property, Plant & Equipment	—	1.50M	0.04M	0.71M	—
Financing Activities
Financing Cash Flow	123.98M	63.51M	-234.69M	-215.19M	43.41M
Issuance of Common Stock	—	—	—	—	—
Long-Term Debt Issued	362.63M	188.00M	133.75M	189.93M	283.38M
Long-Term Debt Repaid	-238.66M	-124.49M	-368.44M	-405.11M	-239.98M
Net Debt Issued (Repaid)	123.98M	63.51M	-234.69M	-215.19M	43.41M
Other Financing Activities	—	—	—	—	—
Free Cash Flow & Returns
Free Cash Flow	-37.02M	-42.00M	95.03M	199.37M	34.79M
Free Cash Flow Growth	—	—	-52.3%	+473.1%	—
Free Cash Flow Margin	-27.4%	-29.2%	+55.2%	+136.8%	+28.0%
Free Cash Flow Per Share	-1.23	-1.40	3.17	6.65	1.16
Operating Cash Flow Growth	—	—	-50.1%	+412.0%	—
Net Cash Flow	86.95M	23.01M	-139.63M	-15.11M	78.19M