A 
Amlak International Finance Company SJSC 1182.SR · SAR
Financials · Tadawul · 🇸🇦 Saudi Arabia
7.85
+0.13%
Close of 9 Nov 2026, in SAR
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At a glance
Figures in SAR, from our data supplier.
Net income
SAR 65.2m
FY2016FY2025
Total assets
SAR 4.46bn
FY2016FY2025
Shareholders' equity
SAR 1.28bn
FY2016FY2025
Income statement
Fiscal years
| FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating income | SAR 289.5m | SAR 58.6m | SAR 39.0m | SAR 110.9m | SAR 123.3m | SAR 115.4m | SAR 102.1m | SAR 97.6m | SAR 103.3m | SAR 178.1m |
| Net income | SAR 65.2m | SAR 46.3m | SAR 31.8m | SAR 96.7m | SAR 107.8m | SAR 98.9m | SAR 70.0m | SAR 97.6m | SAR 103.3m | SAR 96.2m |
| Diluted earnings per share | 0.64 | 0.45 | 0.35 | 0.95 | 1.06 | 0.97 | 0.77 | 0.96 | 1.02 | 0.95 |
Balance sheet
At each fiscal year end
| FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Total assets | SAR 4.46bn | SAR 4.51bn | SAR 3.89bn | SAR 3.49bn | SAR 3.57bn | SAR 3.58bn | SAR 3.41bn | SAR 3.26bn | SAR 3.33bn | SAR 3.29bn |
| Cash and short-term investments | SAR 46.0m | SAR 32.4m | SAR 27.7m | SAR 38.2m | SAR 8.8m | SAR 25.1m | SAR 7.9m | SAR 16.0m | SAR 29.6m | SAR 9.3m |
| Total liabilities | SAR 3.18bn | SAR 3.29bn | SAR 2.70bn | SAR 2.25bn | SAR 2.38bn | SAR 2.43bn | SAR 2.28bn | SAR 2.14bn | SAR 2.16bn | SAR 2.16bn |
| Debt | SAR 3.06bn | SAR 3.19bn | SAR 2.62bn | SAR 1.78bn | SAR 2.06bn | SAR 2.27bn | SAR 2.14bn | SAR 1.21bn | SAR 2.07bn | SAR 1.29bn |
| Shareholders' equity | SAR 1.28bn | SAR 1.22bn | SAR 1.19bn | SAR 1.23bn | SAR 1.19bn | SAR 1.15bn | SAR 1.13bn | SAR 1.13bn | SAR 1.17bn | SAR 3.29bn |
| Shares outstanding | 102m | 102m | 91m | 102m | 102m | 102m | 91m | 102m | 102m | 101m |
Latest quarters
By quarter end
| Jun 2026 | Mar 2026 | Dec 2025 | Sept 2025 | Jun 2025 | Mar 2025 | Dec 2024 | Sept 2024 | |
|---|---|---|---|---|---|---|---|---|
| Operating income | — | — | SAR 70.7m | SAR 72.9m | SAR 77.8m | SAR 15.0m | SAR 24.1m | SAR 13.0m |
| Net income | SAR 25.5m | SAR 15.8m | SAR 15.7m | SAR 17.3m | SAR 20.4m | SAR 11.9m | SAR 19.2m | SAR 10.3m |
| Diluted earnings per share | 0.25 | 0.16 | 0.15 | 0.17 | 0.20 | 0.12 | 0.19 | 0.10 |
| Total assets | SAR 4.88bn | SAR 4.63bn | SAR 4.46bn | SAR 4.45bn | SAR 4.61bn | SAR 4.63bn | SAR 4.51bn | SAR 4.35bn |
| Cash and short-term investments | — | — | SAR 46.0m | SAR 62.6m | SAR 74.5m | SAR 139.5m | SAR 32.4m | SAR 28.9m |
| Shareholders' equity | SAR 1.28bn | SAR 1.30bn | SAR 1.28bn | SAR 1.27bn | SAR 1.25bn | SAR 1.23bn | SAR 1.22bn | SAR 1.20bn |
Financial ratios
Data as of 5 Nov 2026
| FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | |
|---|---|---|---|---|---|---|---|---|---|
| Operating margin | 51.8% | 24.0% | 21.5% | 49.5% | 53.1% | 54.7% | — | — | — |
| Net margin | 11.7% | 18.9% | 17.6% | 43.1% | 46.4% | 46.9% | — | — | — |
| Return on equity | 5.1% | 3.8% | 2.7% | 7.8% | 9.0% | 8.6% | — | — | — |
| Return on assets | 1.5% | 1.0% | 0.8% | 2.8% | 3.0% | 2.8% | — | — | — |
| Revenue growth | 128.8% | 35.2% | -19.4% | -3.4% | 10.0% | 5.6% | — | — | — |
| Earnings growth | 40.8% | 45.6% | -67.1% | -10.2% | 9.0% | 41.3% | — | — | — |
| Current ratio | 1.46x | — | — | 1.28x | 0.37x | 1.42x | 0.23x | 0.37x | — |
| Debt to equity | — | — | — | 0.35x | 0.61x | 0.67x | 1.85x | 0.72x | 1.77x |
| Equity ratio | 28.7% | 27.1% | 30.5% | 35.4% | 33.4% | 32.1% | — | — | — |
| Interest coverage | 1.40x | — | — | — | — | — | — | — | — |
| Buybacks as a share of market value | 0.1% | -12.5% | 11.1% | 0.0% | 0.0% | -12.5% | — | — | — |
Growth per year
Compound annual rate
| 3 years | 5 years | 10 years | |
|---|---|---|---|
| Revenue | 35.6% | 21.5% | 12.4% |
| Operating income | 37.7% | 20.2% | 10.6% |
| Net income | -12.3% | -8.0% | -4.5% |
Average margins
Over each period
| 1 year | 3 years | 5 years | 10 years | |
|---|---|---|---|---|
| Operating margin | 43.3% | 41.2% | 44.6% | 50.2% |
| Net margin | 13.9% | 19.9% | 27.0% | 34.7% |
Valuation history
At each fiscal year end
| FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | |
|---|---|---|---|---|---|---|
| Price to earnings | 16.6 | 28.2 | 34.7 | 14.0 | 17.8 | 20.1 |
| Price to sales | 1.9 | 5.3 | 6.1 | 6.0 | 8.3 | 9.4 |
Dividends and splits
Per share, in the currency the company pays
Paid for 0 years. Last went ex-dividend on 3 May 2023.
| FY2023 | FY2022 | FY2021 | FY2020 | |
|---|---|---|---|---|
| Paid in the year | 0.711 | 0.756 | 0.711 | 0.667 |
- 9-for-8 split · 21 May 2024
Sources and methodology
- Data on this tab
- Our data supplier
- Chart on the Overview
- TradingView
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