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.
| 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.
| 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 % |
| Item | Q2 2025 | Q3 2025 | Change |
|---|---|---|---|
| Net income from finance commissions | 82.82 | 90.14 | 8.8 % |
| Net Income | 20.39 | 17.27 | (15.3 %) |
| Average Shares | 101.93 | 101.93 | - |
| Earnings Per Share before unusual items (Riyal) | 0.20 | 0.17 | (15.3 %) |
| EPS (Riyal) | 0.20 | 0.17 | (15.3 %) |
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