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Amlak International for Real Estate Finance Company

Amlak International for Real Estate Finance Company

TTADAWUL:1182
7.78
SAR
-0.18
(-2.26%)
0.73EPS
12.16P/E
903.06MMarket Cap
Amlak International for Real Estate Finance Company
TADAWUL:1182
(Saudi Exchange)

Recent

price

7.78

P/E

ratio

12.16

div

yld

- -

ROIC.AI

2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
SAR
1.93
1.74
1.96
2.07
2.28
2.2
1.77
2.4
3.37
3.76
Revenue per Share
1.14
0.96
0.69
0.97
1.06
0.95
0.31
0.45
0.64
0.73
Basic EPS, GAAP
0.27
1.14
-0.33
-0.89
0.34
2.41
-4.07
-5.56
1.48
-0.82
Free Cash Flow per Basic Share
0.75
0.67
0.67
0.67
0.71
0.76
0.71
- -
- -
- -
Dividend per Share
12.91
12.43
11.04
11.27
11.69
12.12
11.63
12.02
12.57
12.52
Book Value per Share
12.91
12.43
11.04
11.27
11.69
12.12
11.63
12.02
12.57
12.52
Tangible Book Value per Share
90
102
102
102
102
102
102
102
102
102
Basic Weighted Avg Shares
174
178
200
211
232
224
181
244
344
383
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
2
3
4
6
9
9
10
13
21
23
Depreciation Expense
103
98
70
99
108
97
32
46
65
74
Net Income, GAAP
- -
- -
31.4
14.29
12.63
12.81
18.35
21.01
20.63
20.63
Effective Tax Rate (%)
59.26
54.95
35.05
46.87
46.42
43.13
17.59
18.95
18.99
19.37
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
2,072
1,994
2,140
2,161
2,062
1,779
2,620
3,192
3,065
3,474
LT Debt
1,169
1,126
1,125
1,148
1,191
1,235
1,186
1,225
1,281
1,276
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
3.07
2.19
3.01
3.28
3.09
0.93
1.13
1.49
1.61
Return on Capital (%)
- -
8.5
6.22
8.7
9.21
7.97
2.63
3.84
5.21
5.88
Return on Common Equity (%)

Capital Structure

SAR

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
102
102
102
Market Capitalization
1,079
1,013
903

Working Capital

SAR

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
46
42
172
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

SAR

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
2.26%
4.61%
Free Cash Flow
- -
23.99%
-126.54%
Net Income, GAAP
- -
3.61%
40.83%
Sales/Revenue/Turnover
- -
12.6%
40.54%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

SAR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
51
56
62
75
244
2025
82
83
90
88
344
2026
95
110
- -
- -
- -

Quarterly Earnings Per Share

SAR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.08
0.08
0.1
0.19
0.45
2025
0.12
0.2
0.17
0.15
0.64
2026
0.16
0.25
- -
- -
- -

Quarterly Dividends Per Share

SAR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
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Business
Amlak International Finance Company (1182.SR) operates as a Sharia-compliant financing provider in Saudi Arabia, offering real estate, small and medium enterprise (SME), personal, and corporate financing solutions to individuals, businesses, corporates, and institutional clients. The company delivers core products including personal finance with quick cash access, flexible repayment options, and competitive rates; home finance for ready units, under-construction properties, and self-build homes featuring competitive profit rates and tailored terms; SME financing for small and medium businesses; and corporate financing for high-net-worth individuals and institutions, complemented by real estate property title holdings. It structures operations through Retail, Corporate, and Head Office segments, with services supervised by a Sharia board and supported by digital tools such as personal and home finance calculators. Founded in June 2007 and headquartered in Riyadh with additional offices in Jeddah and Dammam, Amlak International holds a paid-up capital of SAR 1,019,250,000 and maintains around 300 employees. The company conducts all activities within Saudi Arabia, aligning with Vision 2030 through innovative financing that enhances real estate and business sectors. In December 2022, Amlak International for Real Estate Finance Company rebranded to Amlak International Finance Company to reflect its broadened scope beyond real estate. In 2024, it achieved a 45.6% year-on-year net profit increase to surpass SAR 400 million in revenue for the first time, driven by over 16% credit portfolio growth and total asset expansion; this period marked a digital milestone with the launch of its inaugural digital product, positioning it as a leading digital financier. For 2025, Amlak International advances digital solutions expansion, strategic partner strengthening, technology-driven efficiency gains, cost reductions, flexible product development, and faster financing to align with Saudi financial sector reforms.