Financial Results : Tamara posts SAR 193M profit in 2025; Q4 at SAR 101M

Tamara posts SAR 193M profit in 2025; Q4 at SAR 101M

16/04/2026 Argaam Exclusive

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Tamara Finance Co. turned to a net profit of SAR 193 million in 2025, against a net loss of SAR 130.1 million in the year earlier.



Financials (M)

Item 2024 2025 Change‬
Net income from finance commissions 312.86 762.84 143.8 %
Net Income (130.13) 193.35 248.6 %
Average Shares 51.50 51.50 -
Earnings Per Share before unusual items (Riyals) (2.53) 3.75 248.6 %
EPS (Riyal) (2.53) 3.75 248.6 %

The swing to profit in 2025 was primarily driven by a sharp increase in net financing and investment commission income, which rose 144% to SAR 762.8 million. This was supported by the recognition of SAR 117.8 million in income from the recently-introduced Shariah-compliant financing and a 329% surge in other service revenues to SAR 198.3 million that year, driven by higher client transaction fees.

 

Provisions declined to SAR 153.5 million in 2025 from SAR 159.3 million a year earlier.

 

As a result, the company reported an operating income margin of 16.4%, versus an operating loss margin of 18.3% in 2024. This was despite incurring higher general and marketing expenses due to increased software infrastructure spending for product development. Other income also increased in 2025.

 

On the downside, financing and investment commission expenses rose to SAR 585 million from SAR 395.5 million, reflecting a 51% increase in funding costs. Income tax expense also climbed to SAR 45.6 million, compared with SAR 3.4 million in the same period last year.

 

In Q4 2025, Tamara’s earnings surged 197% to SAR 101 million, from SAR 34.05 million in the fourth quarter of 2025.

 

On a sequential basis, net earnings skyrocketed by 260% from SAR 28.08 million in Q3 2025.



Current Quarter Comparison (M)

Compared With The
Item Q4 2024 Q4 2025 Change‬
Net income from finance commissions 117.99 324.04 174.6 %
Net Income 34.05 100.95 196.5 %
Average Shares 51.50 51.50 -
Earnings Per Share before unusual items (Riyal) 0.66 1.96 196.5 %
EPS (Riyal) 0.66 1.96 196.5 %

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