Financial Ratios Kuwait Finance House K.S.C.P.

Stocks

KFH

KW0EQ0100085

Banks

End-of-day quote Kuwait S.E. Other stock markets 16/07/2026			5-day change	1st Jan Change
0.7740 ^KWD	+0.39%		0.00%	+2.12%

20/05	KFH concludes issuance of additional tier 1 sukuk	RE
28/04	JPMorgan Joins Other Banks Providing Funding for Kuwaiti Oil Pipeline Stake Deal	MT

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Published financial data: KUWAIT FINANCE HOUSE K.S.C.P.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	87Cr	132.23Cr	219.42Cr	288.65Cr	325.05Cr
Interest Income, Total	87Cr	132.23Cr	219.42Cr	288.65Cr	325.05Cr
Interest On Deposits	29Cr	52Cr	122.83Cr	173.95Cr	197.13Cr
Interest Expense, Total	29Cr	52Cr	122.83Cr	173.95Cr	197.13Cr
Net Interest Income	59Cr	80Cr	97Cr	114.7Cr	127.92Cr
Gain (Loss) on Sale of Assets	2.04Cr	36.7L	7.17Cr	2.22Cr	2.64Cr
Gain (Loss) on Sale of Invest. & Securities - (Rev)	1.54Cr	74.51L	10Cr	13Cr	7.81Cr
Income (Loss) on Equity Invest. (Income Block)	-33.57L	70.53L	3.04Cr	3.54Cr	48.64L
Total Other Non Interest Income	19Cr	25Cr	29Cr	29Cr	44Cr
Non Interest Income, Total	23Cr	27Cr	49Cr	48Cr	55Cr
Revenues Before Provison For Loan Losses	81Cr	107.23Cr	146.09Cr	163.07Cr	183.33Cr
Provision For Loan Losses	13Cr	5.02Cr	4.14Cr	7.06Cr	16Cr
Total Revenues	68Cr	102.21Cr	141.94Cr	156Cr	167.19Cr
Salaries And Other Employee Benefits	18Cr	21Cr	29Cr	35Cr	35Cr
Occupancy Expense	4.18Cr	4.53Cr	7.86Cr	8.42Cr	9.15Cr
Selling General & Admin Expenses, Total	8.33Cr	9.57Cr	15Cr	17Cr	19Cr
Non Interest Expense, Total	31Cr	35Cr	52Cr	60Cr	63Cr
EBT, Excl. Unusual Items	37Cr	67Cr	90Cr	96Cr	104.61Cr
Impairment of Goodwill	-	-	-	-	-
Asset Writedown	-19.03L	-1.19Cr	-29.49L	1.21Cr	-
Other Unusual Items	-	-13Cr	-7.28Cr	-16Cr	-14Cr
EBT, Incl. Unusual Items	37Cr	53Cr	83Cr	82Cr	91Cr
Income Tax Expense	5.65Cr	9.79Cr	15Cr	17Cr	19Cr
Earnings From Continuing Operations	31Cr	43Cr	68Cr	64Cr	72Cr
Earnings Of Discontinued Operations	-	-	-	-	-
Net Income to Company	31Cr	43Cr	68Cr	64Cr	72Cr
Minority Interest	-6.67Cr	-7.69Cr	-9.06Cr	-4.01Cr	-8.81Cr
Net Income - (IS)	24Cr	36Cr	58Cr	60Cr	63Cr
Preferred Dividend and Other Adjustments	40.84L	1.45Cr	2.17Cr	2.26Cr	1.89Cr
Net Income to Common Incl Extra Items	24Cr	34Cr	56Cr	58Cr	61Cr
Net Income to Common Excl. Extra Items	24Cr	34Cr	56Cr	58Cr	61Cr
Per Share Items
Net EPS - Basic	0.02	0.02	0.03	0.03	0.03
Basic EPS - Continuing Operations	0.02	0.02	0.03	0.03	0.03
Basic Weighted Average Shares Outstanding	1.28TCr	1.42TCr	1.84TCr	1.84TCr	1.84TCr
Net EPS - Diluted	0.02	0.02	0.03	0.03	0.03
Diluted EPS - Continuing Operations	0.02	0.02	0.03	0.03	0.03
Diluted Weighted Average Shares Outstanding	1.28TCr	1.42TCr	1.84TCr	1.84TCr	1.84TCr
Normalized Basic EPS	0.01	0.02	0.03	0.03	0.03
Normalized Diluted EPS	0.01	0.02	0.03	0.03	0.03
Dividend Per Share	0.01	0.01	0.02	0.02	0.02
Payout Ratio	32.94	32.39	62.52	53.91	60.45
Supplemental Items
Effective Tax Rate - (Ratio)	15.4	18.38	18.36	21.29	20.91
Normalized Net Income	16Cr	34Cr	47Cr	56Cr	57Cr
Non-Cash Pension Expense	-	-	-	-	-

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	288.82Cr	320.1Cr	304.83Cr	344.57Cr	599.65Cr
Investment Securities, Total	303.32Cr	643.76Cr	726.4Cr	731.93Cr	788.87Cr
Trading Asset Securities, Total	41Cr	65Cr	77Cr	38Cr	46Cr
Total investments	344.54Cr	708.79Cr	803.82Cr	769.75Cr	835.23Cr
Gross Loans	1.34TCr	2.14TCr	2.25TCr	2.23TCr	2.55TCr
Allowance For Loan Losses	-65Cr	-89Cr	-95Cr	-93Cr	-95Cr
Other Adjustments to Gross Loans	-137.6Cr	-167.22Cr	-214.6Cr	-230.29Cr	-268.98Cr
Net Loans	1.14TCr	1.88TCr	1.94TCr	1.91TCr	2.18TCr
Net Property Plant And Equipment	20Cr	33Cr	36Cr	38Cr	43Cr
Goodwill	-	212.72Cr	209.9Cr	206.75Cr	206.4Cr
Other Intangibles, Total	3.24Cr	34Cr	30Cr	26Cr	26Cr
Investment in Real Estate	33Cr	38Cr	38Cr	37Cr	46Cr
Other Receivables	160.93Cr	255.22Cr	179.43Cr	139.23Cr	125.73Cr
Restricted Cash	124.25Cr	144.8Cr	185.57Cr	114.74Cr	149.82Cr
Other Current Assets, Total	25Cr	25Cr	21Cr	34Cr	25Cr
Deferred Tax Assets Long-Term (Collected)	4.83Cr	2.89Cr	7.46Cr	8.74Cr	-
Other Real Estate Owned And Foreclosed	-	-	-	-	9.89Cr
Other Long-Term Assets, Total	38Cr	38Cr	43Cr	45Cr	26Cr
Total Assets	2.18TCr	3.7TCr	3.8TCr	3.67TCr	4.28TCr
Liabilities
Accounts Payable, Total	25Cr	27Cr	34Cr	30Cr	45Cr
Accrued Expenses, Total	18Cr	25Cr	19Cr	20Cr	25Cr
Interest Bearing Deposits	1.59TCr	2.25TCr	2.18TCr	1.92TCr	2.1TCr
Non-Interest Bearing Deposits	-	-	-	-	-
Total Deposits	1.59TCr	2.25TCr	2.18TCr	1.92TCr	2.1TCr
Short-Term Borrowings	-	7.51Cr	9.55Cr	6.94Cr	12Cr
Current Portion of Long-Term Debt	258.72Cr	530.66Cr	572.4Cr	665.89Cr	1.03TCr
Long-Term Debt	22Cr	165.84Cr	289.54Cr	300.19Cr	285.96Cr
Other Current Liabilities - (Bank / Utility Template)	7.29Cr	8.43Cr	6.3Cr	5.59Cr	4.91Cr
Unearned Revenue Non Current	3.43Cr	1.08Cr	1.04Cr	97.9L	1.76Cr
Pension & Other Post Retirement Benefits	8.46Cr	11Cr	12Cr	13Cr	13Cr
Other Non Current Liabilities	19Cr	43Cr	60Cr	63Cr	75Cr
Total Liabilities	1.95TCr	3.07TCr	3.18TCr	3.03TCr	3.59TCr
Common Stock, Total	84Cr	134.22Cr	147.64Cr	171.08Cr	184.77Cr
Additional Paid In Capital	74Cr	362.68Cr	362.68Cr	428.52Cr	428.52Cr
Retained Earnings	70Cr	88Cr	103.28Cr	125.03Cr	138.06Cr
Treasury Stock	-2.77Cr	-4.18Cr	-11Cr	-82Cr	-82Cr
Comprehensive Income and Other	-9.45Cr	4.81Cr	-20Cr	-40Cr	-30Cr
Total Common Equity	215.85Cr	585.95Cr	581.83Cr	602.3Cr	638.84Cr
Minority Interest	15Cr	43Cr	35Cr	39Cr	46Cr
Total Equity	230.72Cr	628.61Cr	616.33Cr	641.79Cr	684.49Cr
Total Liabilities And Equity	2.18TCr	3.7TCr	3.8TCr	3.67TCr	4.28TCr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	1.28TCr	1.85TCr	1.83TCr	1.84TCr	1.84TCr
ECS Total Common Shares Outstanding	1.28TCr	1.85TCr	1.83TCr	1.84TCr	1.84TCr
Book Value / Share	0.15	0.29	0.29	0.3	0.31
Tangible Book Value	212.61Cr	339.68Cr	342.04Cr	369.5Cr	405.98Cr
Tangible Book Value Per Share	0.15	0.16	0.16	0.17	0.19
Total Debt	281.15Cr	704.01Cr	871.48Cr	973.02Cr	1.32TCr
Deposits at Interest - Cash	212.98Cr	196.52Cr	171.32Cr	202.83Cr	427.44Cr
Net Debt	-49Cr	318.88Cr	489.24Cr	590.64Cr	677.93Cr
Equity Method Investments, Total	49Cr	52Cr	54Cr	38Cr	25Cr
Full Time Employees	-	-	-	-	-

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	24Cr	36Cr	58Cr	60Cr	63Cr
Depreciation, Depletion & Amortization	3.84Cr	3.64Cr	4.87Cr	6.11Cr	6.31Cr
Amortization of Goodwill and Intangible Assets - (CF)	33.69L	89.7L	2.98Cr	2.3Cr	2.84Cr
Total Depreciation, Depletion & Amortization	4.18Cr	4.53Cr	7.86Cr	8.42Cr	9.15Cr
(Gain) Loss On Sale of Asset - (CF)	-1.4Cr	-13.04L	-6.04Cr	-1.75Cr	-2.47Cr
(Gain) Loss on Sale of Investments - (CF)	-1.93Cr	2.16Cr	-9.34Cr	-13Cr	-7.6Cr
Total Asset Writedown	19.03L	1.19Cr	29.49L	-1.21Cr	-
Provision for Credit Losses	15Cr	3.91Cr	7.84Cr	9.45Cr	14Cr
(Income) Loss On Equity Investments - (CF)	33.57L	-70.53L	-3.04Cr	-3.54Cr	-48.64L
Change In Inventories	60.91L	11.94L	-1.02Cr	1.31Cr	-
Change in Other Net Operating Assets (Collected)	-154.01Cr	-25Cr	-87Cr	186.14Cr	-46Cr
Other Operating Activities	5.42Cr	18Cr	11Cr	16Cr	24Cr
Net Cash From Discontinued Operations	-	-	-	-	-
Cash from Operations	-107.54Cr	40Cr	-21Cr	262.15Cr	54Cr
Capital Expenditure	-1.88Cr	-2.22Cr	-3.52Cr	-5.07Cr	-9.5Cr
Sale of Property, Plant, and Equipment	93.89L	22.24L	26.1L	1.1Cr	46.96L
Cash Acquisitions	-	78Cr	-13Cr	-	-44.33L
Divestitures	-	31.42L	-	10Cr	42.19L
Purchase / Sale of Intangible Assets	39T	-15.35L	-18.88L	-80.17L	61.78L
Sale (Purchase) of Real Estate Properties (Collected)	3.98Cr	3.45Cr	9.71Cr	1.41Cr	6.12Cr
Investment in Marketable and Equity Securities, Total	-1.42Cr	1.79Cr	-5.47Cr	25Cr	10Cr
Other Investing Activities, Total	66.89L	1.44Cr	1.5Cr	5.53Cr	78.39L
Cash from Investing	2.29Cr	83Cr	-10Cr	38Cr	8.93Cr
Long-Term Debt Issued, Total	-	-	-	35Cr	43Cr
Total Debt Issued	-	-	-	35Cr	43Cr
Long-Term Debt Repaid, Total	-9.84Cr	-9.89Cr	-15Cr	-	-
Total Debt Repaid	-9.84Cr	-9.89Cr	-15Cr	-	-
Issuance of Common Stock	23Cr	-	-	91.71L	26Cr
Repurchase of Common Stock	-	-1.4Cr	-7.13Cr	-	-12Cr
Common Dividends Paid	-8.02Cr	-12Cr	-37Cr	-32Cr	-38Cr
Common & Preferred Stock Dividends Paid	-8.02Cr	-12Cr	-37Cr	-32Cr	-38Cr
Net Increase (Decrease) in Deposit Accounts - (CF)	55Cr	-68Cr	78Cr	-259.29Cr	180.95Cr
Other Financing Activities, Total	-77.38L	-55.9L	-4.06Cr	-4.27Cr	-6.58Cr
Cash from Financing	59Cr	-91Cr	16Cr	-259.97Cr	192.54Cr
Net Change in Cash	-46Cr	31Cr	-15Cr	40Cr	255.08Cr
Supplemental Items
Net Debt Issued / Repaid	-9.84Cr	-9.89Cr	-15Cr	35Cr	43Cr

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	1.43	1.48	1.8	1.72	1.81
Return On Equity %	14.07	10.11	10.85	10.2	10.86
Return on Common Equity	11.69	8.56	9.64	9.78	9.88
Shareholders Value Added	11.12L	-11Cr	-8.63Cr	-8.56Cr	-8.42Cr
Margin Analysis
SG&A Margin	45.61	34.25	36.41	38.54	37.43
Net Interest Income / Total Revenues %	86.44	78.32	68.05	73.52	76.51
EBT Excl. Non-Recurring Items Margin %	54.39	65.75	63.59	61.46	62.57
Income From Continuing Operations Margin %	45.77	42.52	47.56	41.15	43.08
Net Income Margin %	35.93	35	41.18	38.58	37.81
Net Avail. For Common Margin %	35.32	33.58	39.65	37.13	36.68
Normalized Net Income Margin	24.15	33.57	33.36	35.84	33.83
Asset quality
Nonperforming Loans / Total Loans %	1.53	1.27	1.43	1.59	1.35
Nonperforming Loans / Total Assets %	0.94	0.73	0.85	0.97	0.81
Nonperforming Assets / Total Assets %	0.94	0.73	0.85	0.97	1.04
NPAs / Loans and OREO	1.53	1.27	1.43	1.59	1.73
NPAs / Equity	8.86	4.32	5.22	5.54	6.48
Allowance for Credit Losses / Net Charge-offs %	967.88	1.83T	2.1T	984.49	761.78
Allowance for Credit Losses / Nonperforming Loans %	318.67	326.89	294.46	262.85	274.68
Allowance for Credit Losses / Total Loans %	4.87	4.14	4.21	4.19	3.72
Provision for Loan Losses / Net Charge-offs %	198.32	103.46	91.95	74.46	130.01
Capital And Funding
Total Average Common Equity / Total Average Assets %	9.46	13.65	15.57	15.85	15.62
Total Average Equity / Total Average Assets %	10.18	14.62	16.6	16.84	16.69
Total Equity + Allowance for Loan Losses / Total Loans %	21	31.53	30.05	31.19	28.82
Gross Loans / Total Deposits %	84.34	95.18	103.24	116.06	121.03
Net Loans / Total Deposits %	71.57	83.8	89.05	99.22	103.75
Tier 1 Capital Ratio %	17.16	15.99	16.43	18.05	18.02
Total Capital Ratio %	18.69	17.66	18.18	19.89	19.81
Tier 2 Capital Ratio	1.52	1.68	1.75	1.85	1.79
Coverage Ratio	64.62	99.27	104.72	81.02	78
Interbank Ratio	80.22	48.38	33.07	31.07	35.92
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	2.28	2.02	1.67	1.47	1.46
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	-4.64	36.67	20.66	18.74	11.53
Non Interest Income, 1 Yr. Growth %	24.22	20.62	82.11	-2.27	1.64
Provision For Loan Losses, 1 Yr. Growth %	-48.18	-62.39	-17.47	70.5	34.54
Total Revenues, 1 Yr. Growth %	25.93	50.85	38.88	9.9	6.34
Earnings From Cont. Operations, 1 Yr. Growth %	68.35	40.13	55.34	-4.92	12.21
Net Income, 1 Yr. Growth %	64.03	46.96	63.4	2.96	5.04
Normalized Net Income, 1 Yr. Growth %	42.2	109.73	38.03	18.06	-0.18
Diluted EPS Before Extra, 1 Yr. Growth %	61.18	29.17	29.57	3	5.83
Dividend Per Share, 1 Yr. Growth %	31.67	36.71	47.22	19.5	17.28
Gross Loans, 1 Yr. Growth %	5.34	59.9	5.24	-0.94	14.1
Allowance For Loan Losses, 1 Yr. Growth %	14.08	36.14	2.35	-1.46	1.3
Net Loans, 1 Yr. Growth %	5.66	65.91	3.32	-1.83	14.41
Non Performing Loans, 1 Yr. Growth %	-22.32	32.71	18.64	10.39	-3.07
Non Performing Assets, 1 Yr. Growth %	-22.32	32.71	18.64	10.39	0.19
Total Assets, 1 Yr. Growth %	1.33	69.68	2.81	-3.44	16.5
Total Deposits, 1 Yr Growth %	3.59	41.7	3.72	-11.89	9.41
Tangible Book Value, 1 Yr. Growth %	11.69	59.77	0.69	8.03	9.87
Common Equity, 1 Yr. Growth %	11.49	171.46	-0.7	3.52	6.07
Total Equity, 1 Yr. Growth %	9.79	172.46	-1.95	4.13	6.65
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	5.1	14.16	28.42	19.7	15.08
Non Interest Income, 2 Yr. CAGR %	-10.95	22.41	48.21	33.4	5.81
Provision For Loan Losses, 2 Yr. CAGR %	-15.49	-55.85	-44.29	18.62	97.42
Total Revenues, 2 Yr. CAGR %	3.91	37.83	44.74	23.54	8.53
Earnings From Cont. Operations, 2 Yr. CAGR %	8.84	53.59	47.54	21.53	3.29
Net Income, 2 Yr. CAGR %	-1.53	55.26	54.96	29.71	3.99
Normalized Net Income, 2 Yr. CAGR %	-7.37	72.69	70.14	27.65	9.29
Diluted EPS Before Extra, 2 Yr. CAGR %	-2.55	44.29	27.63	15.52	4.4
Dividend Per Share, 2 Yr. CAGR %	-14.47	34.16	41.87	32.64	18.69
Gross Loans, 2 Yr. CAGR %	8.96	29.78	29.72	2.1	6.31
Allowance For Loan Losses, 2 Yr. CAGR %	17.33	24.62	20.62	0.43	-0.09
Net Loans, 2 Yr. CAGR %	9.48	32.4	30.79	0.71	5.98
Non Performing Loans, 2 Yr. CAGR %	-1.59	1.53	25.48	14.44	3.44
Non Performing Assets, 2 Yr. CAGR %	-1.59	1.53	25.48	14.44	17.36
Total Assets, 2 Yr. CAGR %	6	31.12	32.08	-0.36	6.06
Total Deposits, 2 Yr CAGR %	8.2	21.15	17.25	-4.4	-1.81
Tangible Book Value, 2 Yr. CAGR %	2.36	33.58	26.84	4.3	8.95
Common Equity, 2 Yr. CAGR %	2.35	73.97	64.18	1.39	4.78
Total Equity, 2 Yr. CAGR %	1.41	72.96	63.44	1.04	5.38
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	3.57	14.72	16.29	25.11	16.91
Non Interest Income, 3 Yr. CAGR %	0.99	-1.47	39.74	29	26.8
Provision For Loan Losses, 3 Yr. CAGR %	13.93	-35.48	-45.62	-19.11	47.61
Total Revenues, 3 Yr. CAGR %	1.1	17.66	38.18	32.05	17.83
Earnings From Cont. Operations, 3 Yr. CAGR %	5.63	18.4	54.17	27.44	18.34
Net Income, 3 Yr. CAGR %	2.29	12.53	57.93	35.22	20.9
Normalized Net Income, 3 Yr. CAGR %	-4.92	21.64	60.27	50.63	18.13
Diluted EPS Before Extra, 3 Yr. CAGR %	1.59	7.05	37.95	18.83	12.2
Dividend Per Share, 3 Yr. CAGR %	-6.93	0	38.38	33.98	27.53
Gross Loans, 3 Yr. CAGR %	7.29	23.82	21.02	18.57	5.95
Allowance For Loan Losses, 3 Yr. CAGR %	20.3	23.29	18.4	12.76	0.72
Net Loans, 3 Yr. CAGR %	7.31	25.75	21.81	18.86	5.09
Non Performing Loans, 3 Yr. CAGR %	-2.09	8.72	6.94	20.23	8.28
Non Performing Assets, 3 Yr. CAGR %	-2.09	8.72	6.94	20.23	17.79
Total Assets, 3 Yr. CAGR %	7.03	24	20.91	18.99	4.97
Total Deposits, 3 Yr CAGR %	10.44	18.38	12.51	6.6	-0
Tangible Book Value, 3 Yr. CAGR %	4.51	18.74	21.57	20.23	6.12
Common Equity, 3 Yr. CAGR %	4.46	41.68	44.31	40.78	2.92
Total Equity, 3 Yr. CAGR %	3.61	40.98	43.14	40.64	2.88
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	6.13	12.47	12.87	16.68	15.8
Non Interest Income, 5 Yr. CAGR %	0.05	0.25	17.74	11.23	25.03
Provision For Loan Losses, 5 Yr. CAGR %	-0.12	-19.47	-14.42	-17.68	-8.92
Total Revenues, 5 Yr. CAGR %	5.22	12.58	16.7	19.98	25.45
Earnings From Cont. Operations, 5 Yr. CAGR %	11.06	15.18	20.74	19.64	31.35
Net Income, 5 Yr. CAGR %	8.06	14.2	20.78	19.11	33.62
Normalized Net Income, 5 Yr. CAGR %	2.19	21.05	20	24.01	37.51
Diluted EPS Before Extra, 5 Yr. CAGR %	4.93	10.76	11.3	9.76	23.4
Dividend Per Share, 5 Yr. CAGR %	2.74	7.28	10.16	11.96	30.14
Gross Loans, 5 Yr. CAGR %	6.37	14.34	15.76	14.63	14.91
Allowance For Loan Losses, 5 Yr. CAGR %	4.38	14.82	20.43	14.57	10.62
Net Loans, 5 Yr. CAGR %	6.79	15.37	16.15	15.02	15.21
Non Performing Loans, 5 Yr. CAGR %	-4.1	-0.36	8.13	10.97	5.53
Non Performing Assets, 5 Yr. CAGR %	-4.1	-0.36	8.13	10.97	10.99
Total Assets, 5 Yr. CAGR %	5.72	16.32	16.42	13.61	14.74
Total Deposits, 5 Yr CAGR %	8.16	14.16	13.11	7.24	6.54
Tangible Book Value, 5 Yr. CAGR %	3.72	13.12	12.92	12.74	16.35
Common Equity, 5 Yr. CAGR %	3.58	25.63	25.17	23.93	26.97
Total Equity, 5 Yr. CAGR %	2.5	24.33	24.34	23.4	26.64