Financial Results : Quara Finance 2025 profit down 81% to SAR 8.1M; H2 loss at SAR 1.9M

Quara Finance 2025 profit down 81% to SAR 8.1M; H2 loss at SAR 1.9M

26/02/2026 Argaam Exclusive

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Quara Finance Co.’s net profit for 2025 fell by 81% to SAR 8.1 million compared to SAR 43.2 million in 2024, due to the increase in expected credit loss provisions.



Financials (M)

Item 2024 2025 Change‬
Net income from finance commissions 173.29 224.58 29.6 %
Net Income 43.25 8.12 (81.2 %)
Average Shares 30.00 30.00 -
Earnings Per Share before unusual items (Riyals) 1.44 0.27 (81.2 %)
EPS (Riyal) 1.44 0.27 (81.2 %)

Meanwhile, revenue increased by 38.42% year-on-year to SAR 259.3 million, driven by new financing contracts that increased the size of the company’s portfolio.



Current Half Annual Comparison (M)

Compared With The
Item H2 2024 H2 2025 Change‬
Net income from finance commissions 78.62 95.91 22.0 %
Net Income 18.00 (1.95) (110.8 %)
Average Shares 30.00 30.00 -
Earnings Per Share before unusual items (Riyal) 0.60 (0.06) (110.8 %)
EPS (Riyal) 0.60 (0.06) (110.8 %)

The company logged SAR 1.95 million net loss for H2 2025, against SAR 18 million net profit in the same period a year earlier.

 

Sequentially, the company swung to loss from SAR 10.06 million profit in H1 2025.

 

Total shareholders’ equity, no minority interest, increased to SAR 467.2 million as of Dec. 31, 2025, from SAR 459.25 million a year earlier.

 

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Financial results (Million)

Period Commission income from finance and investments Change Net income from finance commissions Change
H1 2016 - - - -
H2 2016 - - - -
H1 2017 - - - -
H2 2017 - - - -
H1 2018 - - - -
H2 2018 - - - -
H1 2019 23.42 - 13.55 -
H2 2019 28.89 - 19.17 -
H1 2020 24.40 4.2 % 7.08 (47.7 %)
H2 2020 23.32 (19.3 %) 13.97 (27.1 %)
H1 2021 80.46 229.7 % 69.55 882.0 %
H2 2021 86.59 271.4 % 78.51 461.8 %
H1 2022 84.41 4.9 % 79.33 14.1 %
H2 2022 86.14 (0.5 %) 76.79 (2.2 %)
H1 2023 98.05 16.2 % 93.07 17.3 %
H2 2023 89.56 4.0 % 85.64 11.5 %
H1 2024 100.52 2.5 % 94.67 1.7 %
H2 2024 86.83 (3.1 %) 78.62 (8.2 %)
H1 2025 144.45 43.7 % 128.66 35.9 %
H2 2025 114.88 32.3 % 95.91 22.0 %
2025 259.32 38.4 % 224.58 29.6 %


Profit Performance (Million)

Period Net Income Change EPS(Riyal) Extraordinary Income/Expense Net Profit Before Unusual Items EPS(Riyal)
H1 2016 - - - - - -
H2 2016 - - - - - -
H1 2017 - - - - - -
H2 2017 - - - - - -
H1 2018 - - - - - -
H2 2018 - - - - - -
H1 2019 (0.64) - (0.04) - (0.64) (0.04)
H2 2019 5.38 - 0.36 - 5.38 0.36
H1 2020 (27.75) (4,241.1 %) (1.85) - (27.75) (1.85)
H2 2020 (23.62) (538.8 %) (0.79) - (23.62) (0.79)
H1 2021 1.24 104.5 % 0.04 - 1.24 0.04
H2 2021 30.55 229.4 % 1.02 - 30.55 1.02
H1 2022 25.26 1935.4 % 0.84 - 25.26 0.84
H2 2022 25.58 (16.3 %) 0.85 - 25.58 0.85
H1 2023 27.90 10.4 % 0.93 - 27.90 0.93
H2 2023 25.89 1.2 % 0.86 - 25.89 0.86
H1 2024 25.25 (9.5 %) 0.84 - 25.25 0.84
H2 2024 18.00 (30.5 %) 0.60 - 18.00 0.60
H1 2025 10.06 (60.1 %) 0.34 - 10.06 0.34
H2 2025 (1.95) (110.8 %) (0.06) - (1.95) (0.06)
2025 8.12 (81.2 %) 0.27 - 8.12 0.27

Profitability

Period Return On Average Assets Return on Average Equity Net Profit/Investment Income & Other Financing Operations
H1 2016 - - -
H2 2016 - - -
H1 2017 - - -
H2 2017 - - -
H1 2018 - - -
H2 2018 - - -
H1 2019 - - -
H2 2019 - - 9.07 %
H1 2020 - (17.20 %) (41.97 %)
H2 2020 (7.18 %) (26.22 %) (107.64 %)
H1 2021 (2.64 %) (12.25 %) (21.56 %)
H2 2021 2.99 % 11.93 % 19.03 %
H1 2022 5.23 % 20.34 % 32.64 %
H2 2022 5.00 % 16.23 % 29.81 %
H1 2023 5.63 % 15.99 % 29.03 %
H2 2023 6.35 % 14.71 % 28.67 %
H1 2024 6.14 % 12.66 % 26.90 %
H2 2024 5.27 % 10.15 % 23.08 %
2024 5.27 % 10.15 % 23.08 %
H1 2025 3.15 % 6.16 % 12.13 %
H2 2025 0.87 % 1.75 % 3.13 %
2025 0.87 % 1.75 % 3.13 %

Balance Sheet (B)

Period Assets Change Net Finance Investments Change
Q2 2016 - - - -
Q4 2016 - - - -
Q2 2017 - - - -
Q4 2017 - - - -
Q2 2018 - - - -
Q4 2018 - - - -
Q2 2019 - - - -
Q4 2019 0.40 - 0.34 -
Q2 2020 0.57 - 0.38 -
Q4 2020 1.03 155.3 % 0.88 158.8 %
Q2 2021 1.12 95.3 % 1.05 179.4 %
Q4 2021 1.10 7.3 % 0.87 (0.8 %)
Q2 2022 1.01 (9.9 %) 0.70 (33.6 %)
Q4 2022 0.93 (15.6 %) 0.71 (18.5 %)
Q2 2023 0.89 (12.0 %) 0.73 3.7 %
Q4 2023 0.77 (17.8 %) 0.68 (4.7 %)
Q2 2024 0.78 (12.8 %) 0.62 (14.7 %)
Q4 2024 0.88 14.7 % 0.74 10.0 %
Q2 2025 1.01 29.8 % 0.83 33.7 %
Q4 2025 1.00 13.8 % 0.80 7.7 %


Per Share Data (Riyal)

Compared With The
Period Shares Outstanding (M) EPS (Riyal) Earnings Per Share before unusual items (Riyal) Book Value (BV)
H1 2016 - - - -
H2 2016 - - - -
H1 2017 - - - -
H2 2017 - - - -
H1 2018 - - - -
H2 2018 - - - -
H1 2019 15.00 - - 9.41
H2 2019 15.00 0.32 0.32 9.77
H1 2020 15.00 (1.49) (1.49) 7.92
H2 2020 30.00 (1.71) (1.71) 8.17
H1 2021 30.00 (0.75) (0.75) 8.22
H2 2021 30.00 1.06 1.06 9.60
H1 2022 30.00 1.86 1.86 10.08
H2 2022 30.00 1.69 1.69 11.29
H1 2023 30.00 1.78 1.78 12.22
H2 2023 30.00 1.79 1.79 13.08
H1 2024 30.00 1.70 1.70 14.71
H2 2024 30.00 1.44 1.44 15.31
H1 2025 30.00 0.94 0.94 15.64
H2 2025 30.00 0.27 0.27 15.57

Multiple Ratios (End of Period Price)

Compared With The
Period P/E Recurring P/E Price/book
H1 2016 - - -
H2 2016 - - -
H1 2017 - - -
H2 2017 - - -
H1 2018 - - -
H2 2018 - - -
H1 2019 - - -
H2 2019 - - -
H1 2020 - - -
H2 2020 - - -
H1 2021 - - -
H2 2021 - - -
H1 2022 - - -
H2 2022 - - -
H1 2023 - - -
H2 2023 - - -
H1 2024 9.32 9.32 1.08
H2 2024 13.10 13.10 1.23
H1 2025 18.17 18.17 1.09
H2 2025 More than 100 More than 100 1.16


Financial Ratios
Current
Market Cap (M Riyal) 522.00
Shares Outstanding ((M)) 30.00
Book Value (BV) ( Riyal) 15.57
Par Value ( Riyal) 10.00
Recurring P/E 64.31
Price/book 1.12
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Share Price

Quara Finance Co.
17.40
0.00 0.00 %

Quara Finance Co. (QUARA)

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