United International Holding (4083) Q3 2025 earnings summary

Executive summary

• Report covers unaudited results for the three- and nine-month periods ended 30 September 2025, reviewed by PwC with no material misstatements found.

• The group operates in consumer and product finance, with a focus on Islamic financing contracts and related services.

• Shares began trading on the Saudi Exchange in December 2024; legal status updated to joint stock company post-period.

Financial highlights

• Nine-month net profit rose to SAR 199.2 million, up from SAR 158.1 million year-over-year.

• Total income from Islamic financing contracts for nine months reached SAR 566.3 million, up from SAR 451.0 million year-over-year.

• Earnings per share for nine months increased to SAR 7.97 from SAR 6.33 year-over-year.

• Net cash outflow from operating activities was SAR 238.2 million for nine months, slightly improved from SAR 245.8 million outflow year-over-year.

• Total assets as of 30 September 2025 were SAR 3.05 billion, up from SAR 2.49 billion at year-end 2024.

Outlook and guidance

• Proposed share capital increase from SAR 250 million to SAR 750 million via bonus shares, pending approvals in 2025.

• Continued growth expected in Islamic credit card and Tawarruq portfolios, with Murabaha portfolio downsizing as per business plan.