QUARA

Quara Finance Company

9596StocksTadawulTechnology

Financials

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Quarterly (SAR)

1-5

	Q4 2025Dec 31, 2025	Q3 2025Sep 30, 2025	Q2 2025Jun 30, 2025	Q1 2025Mar 31, 2025	Q4 2024Dec 31, 2024
Operating Summary
Cost of Revenue	21.40M	24.90M	17.52M	32.62M	16.38M
Operating Income	-10.65M	4.36M	1.30M	9.88M	13.48M
Pretax Income	-8.22M	6.09M	1.89M	10.38M	14.35M
Income Tax	-1.40M	1.22M	0.38M	1.83M	5.69M
Net Income	-6.82M	4.88M	1.51M	8.56M	8.66M
EPS (Basic)	-0.23	0.16	0.05	0.29	0.29
EPS (Diluted)	-0.23	0.16	0.05	0.29	0.29
Revenue & Income
Revenue Fin	19.11M	37.34M	27.36M	51.45M	39.44M
Revenue Growth (YoY)	-51.5%	+17.8%	-6.8%	+18.6%	+12.5%
Revenues Before Loan Losses	56.78M	52.29M	50.12M	63.38M	48.23M
Other Revenue Fin	—	—	—	—	—
Expenses & Provisions
Cost Of Services Provided	21.40M	24.90M	17.52M	32.62M	16.38M
Other Operating Expenses	—	—	—	—	—
Total Operating Expenses Fin	29.76M	32.99M	26.06M	41.57M	25.96M
Provision for Loan Losses	37.67M	14.95M	22.75M	11.93M	8.79M
Salaries and Employee Benefits	8.36M	8.08M	8.55M	8.95M	9.57M
Profitability & Returns
EBT Excluding Unusual Items	-8.22M	6.09M	1.89M	10.38M	14.35M
Pretax Income	-8.22M	6.09M	1.89M	10.38M	14.35M
Operating Income	-10.65M	4.36M	1.30M	9.88M	13.48M
Operating Margin	-55.7%	+11.7%	+4.8%	+19.2%	+34.2%
Profit Margin	-35.7%	+13.1%	+5.5%	+16.6%	+22.0%
Net Income	-6.82M	4.88M	1.51M	8.56M	8.66M
Net Income to Common	-6.82M	4.88M	1.51M	8.56M	8.66M
Net Income Growth	—	-47.8%	-88.1%	-32.0%	+53.9%
Income Tax Expense	-1.40M	1.22M	0.38M	1.83M	5.69M
Effective Tax Rate	—	+20.0%	+20.1%	+17.6%	+39.6%
Per Share & Capital
EPS (Basic)	-0.23	0.16	0.05	0.29	0.29
EPS (Diluted)	-0.23	0.16	0.05	0.29	0.29
EPS Growth	—	-47.8%	-88.1%	-32.0%	+53.9%
Shares Change (YoY)	—	—	—	—	—
Shares Outstanding (Basic)	30.00M	30.00M	30.00M	30.00M	30.00M
Shares Outstanding (Diluted)	30.00M	30.00M	30.00M	30.00M	30.00M
Free Cash Flow	-36.41M	93.54M	-34.05M	-60.10M	-87.00M
Free Cash Flow Margin	-190.5%	+250.5%	-124.4%	-116.8%	-220.6%
Free Cash Flow Per Share	-1.21	3.12	-1.14	-2.00	-2.90
Supplemental
Int Exp Fin	10.59M	10.38M	8.62M	7.16M	5.09M
Int Inc Fin	67.37M	62.67M	58.74M	70.54M	53.32M
Net Int Inc Fin	56.78M	52.29M	50.12M	63.38M	48.23M
Other Unusual Items	—	—	—	—	—

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Quarterly (SAR)

1-5

	Q4 2025Dec 31, 2025	Q3 2025Sep 30, 2025	Q2 2025Jun 30, 2025	Q1 2025Mar 31, 2025	Q4 2024Dec 31, 2024
Operating Summary
Cost of Revenue	21.40M	24.90M	17.52M	32.62M	16.38M
Operating Income	-10.65M	4.36M	1.30M	9.88M	13.48M
Pretax Income	-8.22M	6.09M	1.89M	10.38M	14.35M
Income Tax	-1.40M	1.22M	0.38M	1.83M	5.69M
Net Income	-6.82M	4.88M	1.51M	8.56M	8.66M
EPS (Basic)	-0.23	0.16	0.05	0.29	0.29
EPS (Diluted)	-0.23	0.16	0.05	0.29	0.29
Revenue & Income
Revenue Fin	19.11M	37.34M	27.36M	51.45M	39.44M
Revenue Growth (YoY)	-51.5%	+17.8%	-6.8%	+18.6%	+12.5%
Revenues Before Loan Losses	56.78M	52.29M	50.12M	63.38M	48.23M
Other Revenue Fin	—	—	—	—	—
Expenses & Provisions
Cost Of Services Provided	21.40M	24.90M	17.52M	32.62M	16.38M
Other Operating Expenses	—	—	—	—	—
Total Operating Expenses Fin	29.76M	32.99M	26.06M	41.57M	25.96M
Provision for Loan Losses	37.67M	14.95M	22.75M	11.93M	8.79M
Salaries and Employee Benefits	8.36M	8.08M	8.55M	8.95M	9.57M
Profitability & Returns
EBT Excluding Unusual Items	-8.22M	6.09M	1.89M	10.38M	14.35M
Pretax Income	-8.22M	6.09M	1.89M	10.38M	14.35M
Operating Income	-10.65M	4.36M	1.30M	9.88M	13.48M
Operating Margin	-55.7%	+11.7%	+4.8%	+19.2%	+34.2%
Profit Margin	-35.7%	+13.1%	+5.5%	+16.6%	+22.0%
Net Income	-6.82M	4.88M	1.51M	8.56M	8.66M
Net Income to Common	-6.82M	4.88M	1.51M	8.56M	8.66M
Net Income Growth	—	-47.8%	-88.1%	-32.0%	+53.9%
Income Tax Expense	-1.40M	1.22M	0.38M	1.83M	5.69M
Effective Tax Rate	—	+20.0%	+20.1%	+17.6%	+39.6%
Per Share & Capital
EPS (Basic)	-0.23	0.16	0.05	0.29	0.29
EPS (Diluted)	-0.23	0.16	0.05	0.29	0.29
EPS Growth	—	-47.8%	-88.1%	-32.0%	+53.9%
Shares Change (YoY)	—	—	—	—	—
Shares Outstanding (Basic)	30.00M	30.00M	30.00M	30.00M	30.00M
Shares Outstanding (Diluted)	30.00M	30.00M	30.00M	30.00M	30.00M
Free Cash Flow	-36.41M	93.54M	-34.05M	-60.10M	-87.00M
Free Cash Flow Margin	-190.5%	+250.5%	-124.4%	-116.8%	-220.6%
Free Cash Flow Per Share	-1.21	3.12	-1.14	-2.00	-2.90
Supplemental
Int Exp Fin	10.59M	10.38M	8.62M	7.16M	5.09M
Int Inc Fin	67.37M	62.67M	58.74M	70.54M	53.32M
Net Int Inc Fin	56.78M	52.29M	50.12M	63.38M	48.23M
Other Unusual Items	—	—	—	—	—