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Kuwait Finance House K.S.C.P.KWSE:KFH Stock Report

Market Cap د.ك14.1b
Share Price
د.ك0.82
n/a
1Y20.0%
7D1.4%
Portfolio Value
​
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Kuwait Finance House K.S.C.P.

KWSE:KFH Stock Report

Market Cap: د.ك14.1b

Kuwait Finance House K.S.C.P (KFH) Stock Overview

Provides Islamic banking products and services in the Middle East, Europe, and internationally. More details

KFH fundamental analysis
Snowflake Score
Valuation1/6
Future Growth0/6
Past Performance2/6
Financial Health5/6
Dividends4/6

Rewards

Price-To-Earnings ratio (24x) is below the Banks industry average (24.5x)

Earnings have grown 27.3% per year over the past 5 years

Risk Analysis

Unstable dividend track record


KFH Community Fair Values

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See what 11 others think this stock is worth. Follow their fair value or set your own to get alerts.

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Kuwait Finance House K.S.C.P

Digital Islamic Banking And GCC Expansion Will Shape Prosperity

Key Takeaways Accelerated synergy realization and digital innovation are set to boost profitability, deepen efficiency, and expand KFH's market leadership in high-growth Islamic banking segments. Strategic expansion and strong deposit base uniquely position KFH to capture rising demand from regional investments and global Sharia-compliant banking growth.
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د.ك0.8
FV
3.2% overvalued intrinsic discount
6.85%
Revenue growth p.a.
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Kuwait Finance House K.S.C.P

Fossil Fuel Reliance And Fintech Threats Will Erode Future Margins

Key Takeaways Overreliance on hydrocarbon-focused markets and regional loan exposure threatens asset quality and revenue as energy transitions accelerate and economic shocks persist. Increased digital competition, integration risks from recent mergers, and rising regulatory costs could erode market share, elevate expenses, and compress future profitability.
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د.ك0.27
FV
202.9% overvalued intrinsic discount
3.64%
Revenue growth p.a.
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Kuwait Finance House K.S.C.P

Future Digital Growth And GCC Spending Will Support Financial Stability

Key Takeaways Expectations for strong loan growth and fee income may be too high, given potential volatility in regional infrastructure spending and uncertain investment pipelines. Confidence in competitive advantage from digital transformation and deposit base could be challenged by execution risks and fintech competition, possibly impacting net margins.
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د.ك0.7
FV
17.4% overvalued intrinsic discount
4.95%
Revenue growth p.a.
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Kuwait Finance House K.S.C.P. Competitors

Price History & Performance

Summary of share price highs, lows and changes for Kuwait Finance House K.S.C.P
Historical stock prices
Current Share Priceد.ك0.82
52 Week Highد.ك0.83
52 Week Lowد.ك0.67
Beta0.29
1 Month Change3.01%
3 Month Change3.14%
1 Year Change19.97%
3 Year Change29.18%
5 Year Change88.85%
Change since IPO1,054.01%

Recent News & Updates

Recent updates

User avatar

Sharia Compliance And Digital Transformation Propel Growth Amidst Rate Challenges

The merger with AUB-Kuwait enhances growth potential and solidifies KFH's presence in Islamic finance, expanding access to new client segments.

Shareholder Returns

KFHKW BanksKW Market
7D1.4%2.6%2.2%
1Y20.0%24.0%24.9%

Return vs Industry: KFH underperformed the KW Banks industry which returned 24% over the past year.

Return vs Market: KFH underperformed the KW Market which returned 24.9% over the past year.

Price Volatility

Is KFH's price volatile compared to industry and market?
KFH volatility
KFH Average Weekly Movement1.0%
Banks Industry Average Movement1.9%
Market Average Movement4.9%
10% most volatile stocks in KW Market10.8%
10% least volatile stocks in KW Market2.1%

Stable Share Price: KFH has not had significant price volatility in the past 3 months compared to the KW market.

Volatility Over Time: KFH's weekly volatility (1%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
1977n/aKhaled Al-Shamlanwww.kfh.com

Kuwait Finance House K.S.C.P., together with its subsidiaries, provides Islamic banking products and services in the Middle East, Europe, and internationally. The company operates through four segments: Treasury, Retail and Private Banking, Corporate Banking, and Investment. The Treasury segment offers liquidity management, murabaha investments, and investment in debt securities, as well as exchange of deposits with banks, financial institutions, and international banking relationships.

Kuwait Finance House K.S.C.P. Fundamentals Summary

How do Kuwait Finance House K.S.C.P's earnings and revenue compare to its market cap?
KFH fundamental statistics
Market capد.ك14.14b
Earnings (TTM)د.ك588.98m
Revenue (TTM)د.ك1.65b
24.0x
P/E Ratio
2.4x
P/B Ratio

Is KFH overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
KFH income statement (TTM)
Revenueد.ك1.65b
Cost of Revenueد.ك0
Gross Profitد.ك1.65b
Other Expensesد.ك1.06b
Earningsد.ك588.98m

Last Reported Earnings

Sep 30, 2025

Next Earnings Date

n/a

Earnings per share (EPS)0.034
Gross Margin100.00%
Net Profit Margin35.73%
Debt/Equity Ratio194.4%

How did KFH perform over the long term?

See historical performance and comparison

Dividends

2.7%
Current Dividend Yield
62%
Payout Ratio

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/12/15 00:50
End of Day Share Price 2025/12/15 00:00
Earnings2025/09/30
Annual Earnings2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Kuwait Finance House K.S.C.P. is covered by 10 analysts. 5 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Jaap MeijerArqaam Capital Research Offshore S.A.L.
Monsef MorsyCI Capital Research
Sara BoutrosCI Capital Research