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.
| 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.
| 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 %) |
| Item | Q3 2025 | Q4 2025 | Change |
|---|---|---|---|
| Net income from finance commissions | 90.14 | 88.12 | (2.2 %) |
| Net Income | 17.27 | 15.66 | (9.3 %) |
| Average Shares | 101.93 | 101.93 | - |
| Earnings Per Share before unusual items (Riyal) | 0.17 | 0.15 | (9.3 %) |
| EPS (Riyal) | 0.17 | 0.15 | (9.3 %) |
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