Amlak 9M 2025 profit leaps 82% to SAR 49.6M; Q3 at SAR 17.3M

29/10/2025 Argaam Exclusive

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Amlak International Finance Co. reported a net profit of SAR 49.6 million in the first nine months of 2025, a leap of 82% from SAR 27.2 million in the year-earlier period.



Financials (M)

Item 9m 2024 9m 2025 Change‬
Net income from finance commissions 168.86 254.37 50.6 %
Net Income 27.16 49.57 82.5 %
Average Shares 101.93 101.93 -
Earnings Per Share before unusual items (Riyals) 0.27 0.49 82.5 %
EPS (Riyal) 0.27 0.49 82.5 %

Total income from special commission of financing reached SAR 423.52 million, up 32.49% year-on-year (YoY) from SAR 319.65 million. This increase was mainly attributable to a rise in the loans and advances portfolio as well as a better yield on such portfolio during the nine-month period.

 

However, during 9M 2025, the company saw elevated net provisions for expected credit losses (ECL) and other losses, driven by higher additional and specific provisions recorded during the same period.

 

This reflected the credit standing of customers at the end of 9M 2025, as well as the growth in the company’s loans and advances portfolio compared to the same period of the previous year.

 

Operating expenses and financing costs also rose YoY during the first nine months of this year.



Current Quarter Comparison (M)

Compared With The
Item Q3 2024 Q3 2025 Change‬
Net income from finance commissions 61.77 90.14 45.9 %
Net Income 10.32 17.27 67.2 %
Average Shares 101.93 101.93 -
Earnings Per Share before unusual items (Riyal) 0.10 0.17 67.2 %
EPS (Riyal) 0.10 0.17 67.2 %

The third-quarter net earnings soared 67% to SAR 17.3 million, compared with SAR 10.3 million in Q3 2024, mainly due to higher net ECL provisions.

 

Sequentially, the three-month net earnings, however, fell 15.3% from SAR 20.39 million in Q2 2025.

 

Total shareholders' equity, no minority interest, reached SAR 1.26 billion by the end of Sept. 30, 2025, up from SAR 1.19 billion a year before.

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Share Price

Amlak International Finance Co.
13.86
0.56 4.21 %

Amlak International Finance Co. (AMLAK)

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Financial Ratios
Current
Market Cap (M Riyal) 1,355.60
Shares Outstanding ((M)) 101.93
EPS ( Riyal) (TTM) 0.67
Book Value (BV) ( Riyal) 12.44
Par Value ( Riyal) 10.00
Recurring P/E 19.73
P/E (TTM) 19.73
Price/book 1.07
Return on Average Assets (%) (TTM) 1.6
Return on Average Equity (%) (TTM) 5.6
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