Financial Results : Amlak 2025 earnings leap 41% to SAR 65.2M; Q4 at SAR 15.7M

Amlak 2025 earnings leap 41% to SAR 65.2M; Q4 at SAR 15.7M

01/03/2026 Argaam Exclusive

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Amlak International Finance Co. reported a net profit of SAR 65.2 million in 2025, a leap of 41% from SAR 46.3 million a year before.



Financials (M)

Item 2024 2025 Change‬
Net income from finance commissions 243.35 342.50 40.7 %
Net Income 46.31 65.23 40.8 %
Average Shares 101.93 101.93 -
Earnings Per Share before unusual items (Riyals) 0.45 0.64 40.8 %
EPS (Riyal) 0.45 0.64 40.8 %

Total income from special commission of financing grew 25.59% to SAR 567.99 million in 2025, due to higher yield of loans and advances portfolio year-on-year (YoY).

 

The increase was partially offset by higher finance cost and operating expenses.

 

Meanwhile, the total net provision of expected credit losses and other losses during 2025 stood at SAR 75.6 million as compared to SAR 28.5 million in 2024.

 

This was driven by higher credit overlays and specific provisions recognized during the period, reflecting the credit profile of the customers, as well as refinement in expected credit losses model assumptions and estimation methodology.



Current Quarter Comparison (M)

Compared With The
Item Q4 2024 Q4 2025 Change‬
Net income from finance commissions 74.49 88.12 18.3 %
Net Income 19.15 15.66 (18.2 %)
Average Shares 101.93 101.93 -
Earnings Per Share before unusual items (Riyal) 0.19 0.15 (18.2 %)
EPS (Riyal) 0.19 0.15 (18.2 %)

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