Income Statement Commercial Facilities Company S.A.K.P.

Stocks

FACIL

KW0EQ0200240

Consumer Lending

End-of-day quote Kuwait S.E. Other stock markets 16/07/2026			5-day change	1st Jan Change
0.2720 ^KWD	0.00%		+0.37%	-5.88%

05-04	Commercial Facilities qtrly profit 1.3 mln dinars	RE
05-04	Commercial Facilities Company S.A.K.P. Reports Earnings Results for the First Quarter Ended March 31, 2026	CI

07aeee7670e2dac6e8a4.s1kRx_vz9x6hdSxJenzVLxaANyXB2U6UZ-VHf1OQt4I.gD5zvo2dgCuWEhkdDB-kZm_EdWyF6QnjMbUPFWulgNffOiGXkLCVLc9HeQ

Published financial data: COMMERCIAL FACILITIES COMPANY S.A.K.P.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest and Dividend Income, Total	13.21M	13.01M	14.43M	15.01M	15.51M
Interest Expense, Total	2.34M	3.66M	5.15M	5.38M	5.47M
Net Interest Income	10.87M	9.36M	9.29M	9.64M	10.04M
Gain (Loss) on Sale of Assets, Total (Rev)	-	-	-	575K	-
Gain (Loss) on Sale of Investments, Total (Rev)	5.21M	3.8M	1.01M	4.77M	7.02M
Other Revenues, Total	1.04M	1.37M	1.24M	1.55M	2M
Revenues Before Provison For Loan Losses	17.12M	14.52M	11.53M	16.54M	19.06M
Provision For Loan Losses	-1.83M	-907K	-1.52M	-1.95M	-1.1M
Total Revenues	18.95M	15.43M	13.06M	18.49M	20.16M
Salaries And Other Employee Benefits	2.57M	3.24M	2.95M	3.48M	3.6M
Cost of Services Provided, Total	1.38M	1.44M	1.1M	1.29M	1.21M
Other Operating Expenses	505K	408K	271K	427K	557K
Total Operating Expenses	4.46M	5.09M	4.33M	5.2M	5.36M
Operating Income	14.5M	10.33M	8.73M	13.29M	14.8M
Currency Exchange Gains (Loss)	-29K	155K	-38K	98K	-174K
Other Non Operating Income (Expenses)	-150K	-110K	-244K	-1.24M	529K
EBT, Excl. Unusual Items	14.32M	10.38M	8.45M	12.15M	15.15M
Gain (Loss) on Sale of Investments	-	-	-12K	-50K	322K
Gain (Loss) on Sale of Assets	-	-	-	-	-
Asset Writedown	-86K	-7K	45K	-25K	-249K
Other Unusual Items	-	-	-	-	476K
EBT, Incl. Unusual Items	14.23M	10.37M	8.48M	12.07M	15.7M
Income Tax Expense	-	-	-	-	-
Earnings From Continuing Operations	14.23M	10.37M	8.48M	12.07M	15.7M
Net Income to Company	14.23M	10.37M	8.48M	12.07M	15.7M
Minority Interest	-5K	-8K	-3K	-17K	-23K
Net Income - (IS)	14.22M	10.36M	8.48M	12.06M	15.68M
Net Income to Common Incl Extra Items	14.22M	10.36M	8.48M	12.06M	15.68M
Net Income to Common Excl. Extra Items	14.22M	10.36M	8.48M	12.06M	15.68M
Per Share Items
Net EPS - Basic	0.03	0.02	0.02	0.02	0.03
Basic EPS - Continuing Operations	0.03	0.02	0.02	0.02	0.03
Basic Weighted Average Shares Outstanding	508M	508M	507M	507M	506M
Net EPS - Diluted	0.03	0.02	0.02	0.02	0.03
Diluted EPS - Continuing Operations	0.03	0.02	0.02	0.02	0.03
Diluted Weighted Average Shares Outstanding	508M	508M	507M	507M	506M
Normalized Basic EPS	0.02	0.01	0.01	0.01	0.02
Normalized Diluted EPS	0.02	0.01	0.01	0.01	0.02
Dividend Per Share	0.02	0.02	0.02	0.02	0.02
Payout Ratio	38.05	73.3	96.1	67.42	64.62
Supplemental Items
Effective Tax Rate - (Ratio)	-	-	-	-	-
Normalized Net Income	8.94M	6.48M	5.28M	7.58M	9.45M

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	23.63M	32.67M	16.93M	20.85M	19.67M
Long-Term Investments - (FS Template)	48.75M	49.1M	53.16M	53.94M	63.05M
Trading Asset Securities, Total	20M	23.6M	24.62M	27.53M	32.53M
Loans and Lease Receivables - (FS Template)	171M	171M	178M	179M	178M
Other Receivables	2.7M	2.57M	327K	371K	694K
Gross Property Plant And Equipment	6.37M	6.74M	7.11M	7.25M	7.18M
Accumulated Depreciation	-3.72M	-3.91M	-4.05M	-4.18M	-3.95M
Net Property Plant And Equipment	2.65M	2.83M	3.06M	3.06M	3.22M
Other Long-Term Assets, Total	4M	4M	4.04M	1.72M	40.16M
Total Assets	273M	286M	280M	287M	338M
Liabilities
Accounts Payable, Total	1.03M	1.68M	1.09M	1.08M	1.66M
Accrued Expenses, Total	2.24M	2.23M	2.36M	2.8M	2.93M
Short-Term Borrowings	-	-	5.43M	-	2.11M
Current Portion of Long-Term Debt	51.22M	63.74M	66.16M	56.94M	60.64M
Long-Term Debt	54.66M	51.21M	39.6M	56.44M	79.69M
Current Income Taxes Payable	1.28M	1.14M	361K	555K	723K
Pension & Other Post Retirement Benefits	4.39M	4.97M	4.55M	4.93M	5.29M
Total Liabilities	115M	125M	120M	123M	153M
Common Stock, Total	53.68M	53.68M	53.68M	53.68M	53.68M
Additional Paid In Capital	1.45M	1.45M	1.45M	1.45M	1.45M
Retained Earnings	116M	119M	120M	124M	129M
Treasury Stock	-11.27M	-11.3M	-11.46M	-11.5M	-11.5M
Comprehensive Income and Other	-1.66M	-2.14M	-3.27M	-3.98M	-4.72M
Total Common Equity	158M	161M	160M	164M	168M
Minority Interest	47K	55K	58K	75K	16.62M
Total Equity	158M	161M	160M	164M	185M
Total Liabilities And Equity	273M	286M	280M	287M	338M
Supplemental Items
ECS Total Shares Outstanding on Filing Date	508M	508M	507M	506M	506M
ECS Total Common Shares Outstanding	508M	508M	507M	506M	506M
Book Value / Share	0.31	0.32	0.32	0.32	0.33
Tangible Book Value	158M	161M	160M	164M	168M
Tangible Book Value Per Share	0.31	0.32	0.32	0.32	0.33
Total Debt	106M	115M	111M	113M	142M
Net Debt	62.26M	58.67M	69.64M	65.01M	90.25M
Equity Method Investments, Total	14.22M	14.55M	16.28M	16.89M	6.22M

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	14.22M	10.36M	8.48M	12.06M	15.68M
Depreciation, Depletion & Amortization	342K	190K	137K	136K	108K
Total Depreciation, Depletion & Amortization	342K	190K	137K	136K	108K
(Gain) Loss On Sale of Asset - (CF)	-	-	-	-575K	-
(Gain) Loss on Sale of Investments - (CF)	-2.82M	-1.32M	1.65M	-1.6M	-4.1M
Total Asset Writedown	86K	7K	-45K	25K	249K
Provision for Credit Losses	-9.27M	-2.9M	-1.52M	-1.95M	-1.1M
(Income) Loss On Equity Investments - (CF)	-799K	-1.08M	-984K	-1.34M	-1.35M
Change in Accounts Payable	-48K	-198K	-1.66M	-694K	-529K
Change in Other Net Operating Assets (Collected)	8.44M	2.91M	-2.79M	517K	4.27M
Other Operating Activities	10.01M	6.93M	5.38M	7.48M	5.84M
Cash from Operations	20.17M	14.9M	8.64M	14.06M	19.07M
Capital Expenditure	-494K	-47K	-74K	-5K	-12K
Sale of Property, Plant, and Equipment	-	-	-	-	-
Cash Acquisitions	-	-	-	-	-4.03M
Sale (Purchase) of Real Estate Properties (Collected)	-	-	-	2.88M	-
Investment in Marketable and Equity Securities, Total	-15.39M	3.79M	-7.69M	-5M	-4.26M
Other Investing Activities, Total	463K	744K	727K	726K	660K
Cash from Investing	-15.42M	4.48M	-7.04M	-1.4M	-7.64M
Long-Term Debt Issued, Total	58M	49.58M	65M	84M	59.65M
Total Debt Issued	58M	49.58M	65M	84M	59.65M
Long-Term Debt Repaid, Total	-55.24M	-40.51M	-74.18M	-76.38M	-56.19M
Total Debt Repaid	-55.24M	-40.51M	-74.18M	-76.38M	-56.19M
Issuance of Common Stock	-	-	-	-	-
Repurchase of Common Stock	-	-25K	-162K	-37K	-
Common Dividends Paid	-5.41M	-7.6M	-8.15M	-8.13M	-10.13M
Common & Preferred Stock Dividends Paid	-5.41M	-7.6M	-8.15M	-8.13M	-10.13M
Other Financing Activities, Total	-2.35M	-3.64M	-5.17M	-4.72M	-5.47M
Cash from Financing	-5M	-2.2M	-22.66M	-5.26M	-12.13M
Miscellaneous Cash Flow Adjustments	-	590K	899K	36K	874K
Net Change in Cash	-252K	17.78M	-20.15M	7.43M	172K
Supplemental Items
Cash Interest Paid	2.35M	3.64M	5.17M	4.72M	5.47M
Net Debt Issued / Repaid	2.76M	9.06M	-9.18M	7.62M	3.46M

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	5.29	3.71	3	4.26	5.03
Return On Equity %	9.15	6.5	5.28	7.44	9.01
Return on Common Equity	9.15	6.5	5.28	7.44	9.45
Margin Analysis
Gross Profit Margin %	100	100	100	100	100
SG&A Margin	20.84	30.38	31.06	25.79	23.83
Income From Continuing Operations Margin %	75.09	67.22	64.96	65.3	77.9
Net Income Margin %	75.07	67.17	64.94	65.21	77.78
Net Avail. For Common Margin %	75.07	67.17	64.94	65.21	77.78
Normalized Net Income Margin	47.19	41.99	40.42	40.98	46.87
Asset Turnover
Asset Turnover	0.07	0.06	0.05	0.07	0.06
Short Term Liquidity
Current Ratio	3.9	3.34	2.91	3.71	3.4
Quick Ratio	3.9	3.34	2.91	3.71	3.4
Operating Cash Flow to Current Liabilities	0.36	0.22	0.11	0.23	0.28
Long Term Solvency
Total Debt/Equity	67	71.37	69.34	69.15	77.16
Total Debt / Total Capital	40.12	41.65	40.95	40.88	43.56
LT Debt/Equity	34.59	31.8	24.69	34.42	43.17
Long-Term Debt / Total Capital	20.71	18.55	14.58	20.35	24.37
Total Liabilities / Total Assets	42.08	43.69	42.71	42.81	45.33
Growth Over Prior Year
Total Revenues, 1 Yr. Growth %	205.69	-18.6	-25.06	41.61	9.02
Gross Profit, 1 Yr. Growth %	205.69	-18.6	-25.06	41.61	9.02
Earnings From Cont. Operations, 1 Yr. Growth %	-2.32K	-27.13	-18.22	42.35	30.04
Net Income, 1 Yr. Growth %	-2.29K	-27.16	-18.18	42.2	30.03
Normalized Net Income, 1 Yr. Growth %	428.36	-27.56	-18.3	43.56	24.7
Diluted EPS Before Extra, 1 Yr. Growth %	-2.29K	-27.15	-18.09	42.4	30.06
Common Equity, 1 Yr. Growth %	3.2	1.9	-0.43	2.24	2.49
Total Assets, 1 Yr. Growth %	2.98	4.82	-2.13	2.43	17.76
Tangible Book Value, 1 Yr. Growth %	3.2	1.9	-0.43	2.24	2.49
Cash From Operations, 1 Yr. Growth %	-56.65	-30.17	-41.99	62.66	35.66
Capital Expenditures, 1 Yr. Growth %	-	-90.49	57.45	-93.24	140
Dividend Per Share, 1 Yr. Growth %	50	6.67	0	25	5
Compound Annual Growth Rate Over Two Years
Total Revenues, 2 Yr. CAGR %	2.95	57.75	-17	3.01	24.25
Gross Profit, 2 Yr. CAGR %	2.95	57.75	-17	3.01	24.25
Earnings From Cont. Operations, 2 Yr. CAGR %	3.87	302.53	-22.8	7.9	36.06
Net Income, 2 Yr. CAGR %	3.88	299.27	-22.8	7.86	35.98
Normalized Net Income, 2 Yr. CAGR %	4.44	95.63	-23.18	8.3	33.79
Diluted EPS Before Extra, 2 Yr. CAGR %	3.9	299.42	-22.76	8	36.09
Common Equity, 2 Yr. CAGR %	-1.84	2.55	0.73	0.9	2.37
Total Assets, 2 Yr. CAGR %	-7.1	3.9	1.29	0.12	9.83
Tangible Book Value, 2 Yr. CAGR %	-1.84	2.55	0.73	0.9	2.37
Cash From Operations, 2 Yr. CAGR %	-15.77	-43.42	-36.35	-2.86	48.55
Capital Expenditures, 2 Yr. CAGR %	63.41	-	-61.3	-67.38	-59.73
Dividend Per Share, 2 Yr. CAGR %	-8.71	26.49	3.28	11.8	14.56
Compound Annual Growth Rate Over Three Years
Total Revenues, 3 Yr. CAGR %	9.08	-4.8	28.18	-0.82	4.98
Gross Profit, 3 Yr. CAGR %	9.08	-4.8	28.18	-0.82	4.98
Earnings From Cont. Operations, 3 Yr. CAGR %	12.72	-7.71	136.64	-5.33	14.83
Net Income, 3 Yr. CAGR %	12.71	-7.71	135.39	-5.37	14.8
Normalized Net Income, 3 Yr. CAGR %	12.46	-7.55	46.09	-5.38	13.51
Diluted EPS Before Extra, 3 Yr. CAGR %	12.74	-7.7	135.54	-5.29	14.9
Common Equity, 3 Yr. CAGR %	-0.12	-0.61	1.55	1.23	1.43
Total Assets, 3 Yr. CAGR %	-5.68	-3.29	1.85	1.67	5.69
Tangible Book Value, 3 Yr. CAGR %	-0.12	-0.61	1.55	1.23	1.43
Cash From Operations, 3 Yr. CAGR %	-5.3	-19.38	-42.95	-12.98	8.58
Capital Expenditures, 3 Yr. CAGR %	3.93	-36.67	-	-78.37	-36.56
Dividend Per Share, 3 Yr. CAGR %	-4.09	-3.85	16.96	10.06	9.49
Compound Annual Growth Rate Over Five Years
Total Revenues, 5 Yr. CAGR %	8.36	3.07	-2.21	0.67	26.59
Gross Profit, 5 Yr. CAGR %	8.36	3.07	-2.21	0.67	26.59
Earnings From Cont. Operations, 5 Yr. CAGR %	11.97	3.53	-3.12	-1.75	89.65
Net Income, 5 Yr. CAGR %	11.96	3.52	-3.12	-1.77	89
Normalized Net Income, 5 Yr. CAGR %	10.96	3.01	-3.44	-1.57	41.04
Diluted EPS Before Extra, 5 Yr. CAGR %	12.03	3.54	-3.09	-1.71	89.13
Common Equity, 5 Yr. CAGR %	-1.22	-0.93	0.22	-0.01	1.87
Total Assets, 5 Yr. CAGR %	-4.97	-3.31	-2.96	-1.94	4.97
Tangible Book Value, 5 Yr. CAGR %	-1.22	-0.93	0.22	-0.01	1.87
Cash From Operations, 5 Yr. CAGR %	35.97	-0.69	-18.31	-13.14	-16.34
Capital Expenditures, 5 Yr. CAGR %	60.77	50.93	-29.99	-51.43	-
Dividend Per Share, 5 Yr. CAGR %	-1.28	0	-1.21	2.13	16