United International Holding (4083) Q4 2025 earnings summary

Executive summary

• Achieved SAR 769.5 million in revenues for FY2025, up 23% year-over-year, with net income after zakat of SAR 272.2 million, up 22% year-over-year.

• Financing portfolio reached SAR 3.15 billion, a 27% increase year-over-year, serving over 316,000 active customers across 28 cities.

• Strategic expansion included the launch of Now Access (payroll fintech JV) and scaling of Baseeta, a digital payment product.

• Listed on the Saudi Exchange in December 2024, reinforcing capital strength and market presence.

Financial highlights

• Total revenues grew to SAR 769.5 million in 2025, a 23% year-over-year increase.

• Net income after zakat reached SAR 272.2 million, up 22% year-over-year.

• Operating profit rose to SAR 306.6 million, a 23% increase year-over-year.

• Net financing portfolio expanded to SAR 3.05 billion, up from SAR 2.41 billion in 2024.

• Total assets reached SAR 3.2 billion, a 28% increase year-over-year.

Outlook and guidance

• Positioned for sustainable, profitable growth with a diversified portfolio in consumer finance and payroll fintech.

• Focus on digital innovation, agile product development, and strategic partnerships to drive future expansion.

• Confident in navigating evolving geopolitical and economic environments due to resilient business model and strong leadership.