Kuwait Finance House KSCP
Kuwait Finance House KSCP operates as a commercial bank within the Kuwaiti financial sector, generating revenue through interest income and banking fees.
Business. Kuwait Finance House KSCP (KFH.KW) is a commercial bank operating within the Banking Services industry group. The company generates revenue primarily through interest income, consistent with standard banking operations. Specific details regarding its operating segments and geographic presence are not provided. The firm is identified by the ticker KFH.KW.
Analyst recommendations
6 analysts · consensus HoldAt a glance
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- Peers
- DividendDividend USD 1.75/sh2026-09-25 · Bank of America (BAC)
- EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · JPMorgan Chase (JPM)
- EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · Citigroup (C)
- Macro
- Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
- Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
- Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
- Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
- Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
- Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
- Macro & political
- ElectionSE Swedish Election2026-09-14 · SE
- ElectionUS U.S. Midterms2026-11-03 · US
- ElectionFR French Legislative2027-06-01 · FR
Pre-earnings brief
Signals & dispatch
Composite-score breakdown
Synthesis
Kuwait Finance House KSCP (KFH.KW) is a commercial bank operating within the Banking Services industry group. The company generates revenue primarily through interest income, consistent with standard banking operations. Specific details regarding its operating segments and geographic presence are not provided. The firm is identified by the ticker KFH.KW.
Kuwait Finance House maintains a capital structure characterized by total assets of 42.76 billion KWD and total equity of 6.39 billion KWD. The balance sheet shows long-term debt of 1.41 billion KWD, resulting in a debt-to-equity ratio of 0.22. Liquidity is assessed as medium risk, with a key flag noting that net cash is negative after subtracting total debt. The company generated operating cash flow of 2.35 billion KWD and free cash flow of 353.55 million KWD in the latest period.
Profitability metrics indicate a return on equity of 10.03% and a return on assets of 1.50%. The company reported net income of 632.11 million KWD against revenue of 1.28 billion KWD. While specific cohort median comparisons are absent from the input data, the returns reflect the baseline profitability of the banking operation. The valuation snapshot presents anomalous multiples, with a price-to-earnings ratio of 22,266.62 and a price-to-book ratio of 2,232.51, which likely reflect data scaling discrepancies in the market capitalization or share count inputs rather than fundamental valuation drivers.
Revenue concentration and geographic exposure details are not provided in the available data. The company operates as a single entity within the Kuwaiti market, but specific segment breakdowns or regional revenue splits are omitted from the current analysis state.
Growth trajectory analysis is limited by the absence of historical period data. The current financial snapshot provides a single-period view of revenue and net income, but no year-over-year or quarterly trend data is available to assess growth momentum or cyclicality.
Risk assessment highlights medium liquidity risk and low dilution risk. The primary financial flag is the negative net cash position after debt subtraction. Dilution risk is rated low, with basic and diluted shares outstanding being identical at 18.50 billion shares, indicating no current options or convertible securities impacting the share count.
Recent observations include analyst estimates with a mean price target of 0.78 KWD and a median of 0.80 KWD. The mean recommendation is 3.00, indicating a hold stance, with one buy rating and four hold ratings among analysts. No specific filing, news, or transcript observations are provided in the input data.
- The company reports a debt-to-equity ratio of 0.22, indicating a conservative leverage profile.
- Return on equity stands at 10.03%, while return on assets is 1.50%.
- Liquidity risk is rated medium due to negative net cash after debt subtraction.
- Dilution risk is low, with no difference between basic and diluted share counts.
- Analyst sentiment is neutral, with a mean recommendation of 3.00 (Hold).
- Valuation multiples appear anomalous, suggesting potential data scaling issues in the input.
Bull / Bear case
Generated · model-assistedRevenue grew at a 21.6% CAGR over four years, reaching 1.28 billion KWD in FY2026.
Net income expanded at a 26.9% CAGR, reaching 632 million KWD in FY2026.
The company's 10.0% ROE significantly exceeds the 6.2% median for the bank cohort.
Total assets grew at an 18.4% CAGR, reaching 42.8 billion KWD in FY2026.
Long-term debt surged to 987 million KWD in FY2025, up from 217 million in FY2022.
Free cash flow declined 5.4% year-over-year to 354 million KWD in FY2026.
The company faces a medium level of liquidity risk according to risk flags.
In focus — financials by report
Revenue KWD 332.0M, +4,1% YoY; Net income +5,0% YoY.
- ▍Revenue KWD 332.0M, +4,1% YoY
- ▍Net income +5,0% YoY
- ▍Free cash flow +51,7% YoY
- ▍Net margin 53.2%
Revenue KWD 334.9M, +7,4% YoY; Net income +17,3% YoY.
- ▍Revenue KWD 334.9M, +7,4% YoY
- ▍Net income +17,3% YoY
- ▍Free cash flow +10,8% YoY
- ▍Net margin 41.6%
Revenue KWD 337.0M, +22,0% YoY; Net income +6,2% YoY.
- ▍Revenue KWD 337.0M, +22,0% YoY
- ▍Net income +6,2% YoY
- ▍Free cash flow +859,8% YoY
- ▍Net margin 44.7%
Revenue KWD 288.4M, −2,3% YoY; Net income −2,4% YoY.
- ▍Revenue KWD 288.4M, −2,3% YoY
- ▍Net income −2,4% YoY
- ▍Free cash flow +7,4% YoY
- ▍Net margin 60.3%
Revenue KWD 318.9M; Net margin 52.7%.
- ▍Revenue KWD 318.9M
- ▍Net margin 52.7%
Revenue KWD 311.9M; Net margin 38.1%.
- ▍Revenue KWD 311.9M
- ▍Net margin 38.1%
Revenue KWD 276.3M; Net margin 51.3%.
- ▍Revenue KWD 276.3M
- ▍Net margin 51.3%
Revenue KWD 295.4M; Net margin 60.4%.
- ▍Revenue KWD 295.4M
- ▍Net margin 60.4%
Revenue KWD 1.28B, +11,5% YoY; Net income +5,0% YoY.
- ▍Revenue KWD 1.28B, +11,5% YoY
- ▍Net income +5,0% YoY
- ▍Free cash flow −5,4% YoY
- ▍Net margin 49.4%
Revenue KWD 1.15B, +18,7% YoY; Net income +3,0% YoY.
- ▍Revenue KWD 1.15B, +18,7% YoY
- ▍Net income +3,0% YoY
- ▍Free cash flow −0,4% YoY
- ▍Net margin 52.5%
Revenue KWD 965.9M, +20,7% YoY; Net income +63,4% YoY.
- ▍Revenue KWD 965.9M, +20,7% YoY
- ▍Net income +63,4% YoY
- ▍Free cash flow +5,0% YoY
- ▍Net margin 60.5%
Revenue KWD 800.5M, +36,7% YoY; Net income +47,0% YoY.
- ▍Revenue KWD 800.5M, +36,7% YoY
- ▍Net income +47,0% YoY
- ▍Free cash flow +39,0% YoY
- ▍Net margin 44.7%
Valuation TTM
Revenue by segment
Business relationships
Supply chain
Peer comparison
Market position
Stress test
Predictor forecast
| Metric | Our forecast | Guidance | Consensus |
|---|---|---|---|
| EPS | —no estimate | —no estimate | 0,04 |
| Revenue | —no estimate | —no estimate | 1,9B KWD |
| Operating income | —no estimate | —no estimate | 1,4B KWD |
Options
Short squeeze
Earnings-call key lines
Consensus distribution
sell-side coverageEstimate revisions
consensus EPS · 26-week trendSell-side observations
Themes
ESG
Risk factors
- Net cash is negative after subtracting total debt.
Benchmarks vs cohort
Corporate actions / M&A
FX exposure
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- Reference data
- Price To Earningsmarket_price / (net_income / shares_outstanding_diluted)
- Return On Equitynet_income / total_equity
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- Market Capmarket_price * shares_outstanding_diluted
- Enterprise Valuemarket_cap - net_cash
- Return On Assetsnet_income / total_assets
- Kuwait Finance House KSCP Market data — financials · 2026-07-13
- Kuwait Finance House KSCP Market data — analyst estimates · 2026-07-13
- Kuwait Finance House KSCP Market data — ESG · 2026-07-13
- Kuwait Finance House KSCP HA canonical relationships · 2026-07-13
- Kuwait Finance House KSCP — company reference export (2026-07-05) · 2026-07-13