Financial Results : Derayah Financial 9M 2025 net profit down 7% to SAR 313M; Q3 at SAR 99.7M

Derayah Financial 9M 2025 net profit down 7% to SAR 313M; Q3 at SAR 99.7M

05/11/2025 Argaam Exclusive

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Derayah Financial Co. posted a SAR 313 million net profit for the first nine months of 2025, a fall of 7% year-on-year (YoY) from SAR 336.3 million.



Financials (M)

Item 9m 2024 9m 2025 Change‬
Revenues 644.04 682.07 5.9 %
Operating Income 384.90 410.40 6.6 %
Net Income 336.32 312.97 (6.9 %)
Average Shares 249.74 249.74 -
Earnings Per Share before unusual items (Riyals) 1.35 1.23 (8.6 %)
EPS (Riyal) 1.35 1.25 (6.9 %)

The profit decline was due to higher share in losses from its investment in the digital bank D360, which is accounted for using the equity method, with no direct impact on the company’s cash flows. While the bank’s financial loss remains within expectations, it continues to deliver strong operational progress, surpassing two million clients as of October 2025 and launching more than seven products across savings, lending, and transfers segments.

 

The company also posted lower revenues from the asset management segment, as well as a decline in income from special commissions.

 

However, revenue increased by 5.9% year-on-year (YoY) to SAR 682.1 million in 9M 2025, primarily driven by robust performance in brokerage operations and gains on investments, partially offset by lower asset management revenues and special commission income.

 

Q3 2025 net earnings fell 8% to SAR 99.7 million from SAR 108.31 million a year earlier.



Current Quarter Comparison (M)

Compared With The
Item Q3 2024 Q3 2025 Change‬
Revenues 209.84 237.70 13.3 %
Operating Income 130.16 137.12 5.4 %
Net Income 108.31 99.68 (8.0 %)
Average Shares 249.74 249.74 -
Earnings Per Share before unusual items (Riyal) 0.43 0.40 (8.0 %)
EPS (Riyal) 0.43 0.40 (8.0 %)

Sequentially, the three-month net earnings declined 6.9% from SAR 107.07 million in Q2 2025.

 

Shareholders’ equity (no minority interest) amounted to SAR 1.15 billion by the end of 9M 2025, compared to SAR 848.26 million in the same period a year ago.

Attached document: 

 

 

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