Financial Results : Tamara posts SAR 92.4M profit in 9M 2025; Q3 at SAR 28.1M

Tamara posts SAR 92.4M profit in 9M 2025; Q3 at SAR 28.1M

12/11/2025 Argaam Exclusive

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Tamara Finance Co. reported a net profit of SAR 92.4 million in the first nine months of 2025, against a net loss of SAR 164.2 million in the year-earlier period.



Financials (M)

Item 9m 2024 9m 2025 Change‬
Net income from finance commissions 194.87 438.80 125.2 %
Net Income (164.18) 92.39 156.3 %
Average Shares 51.50 51.50 -
Earnings Per Share before unusual items (Riyals) (3.19) 1.79 156.3 %
EPS (Riyal) (3.19) 1.79 156.3 %

The rise in profit was attributed to a 125% year-on-year (YoY) increase in net financing and investment income to SAR 438.8 million, driven by an expanded merchant network that boosted installment payment revenues.

 

The Islamic financing segment also contributed, generating SAR 21.2 million in revenue after launching operations earlier this year.

 

Other service revenues surged to SAR 118.9 million in the nine months, compared to SAR 6.7 million a year earlier, due to higher customer transaction fees.

 

Despite a 57% YoY rise in financing costs and higher general and marketing expenses, the operating income margin improved to 21%, supported by lower provisions of SAR 70.4 million versus SAR 176.4 million in the year-earlier period.

 

The company’s return on average assets stood at 4.2%, and return on average equity at 30.8%, with the expected credit loss provision declining to 3.1% of total consumer receivables from 3.5% in 2024.



Current Quarter Comparison (M)

Compared With The
Item Q3 2024 Q3 2025 Change‬
Net income from finance commissions 51.84 173.94 235.5 %
Net Income (56.07) 28.08 150.1 %
Average Shares 51.50 51.50 -
Earnings Per Share before unusual items (Riyal) (1.09) 0.55 150.1 %
EPS (Riyal) (1.09) 0.55 150.1 %

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