February 13, 2026

Dolla Financial Services Limited(Dolla)

Unaudited financials for the twelve months ended December 31, 2025:

Dolla Financial Services Limited (Dolla), for the twelve months ended December 31, 2025, reported a 29% increase in total interest income, amounting to $1.97 billion, compared to $1.52 billion recorded for the corresponding period in 2024. For the fourth quarter, total interest income grew by 9%, closing at $477.46 million relative to $437.55 million reported in Q4 2024.

Interest expenses totaled $414.14 million (2024: $295.65 million), representing a 40% year‑over‑year increase. Consequently, net interest income increased by 27% to $1.56 billion, compared to $1.23 billion earned for the twelve months ended December 31, 2024. For the fourth quarter, the company reported net interest income of $365.64 million, up from $336.35 million in the comparable quarter of 2024.

Provision for expected credit losses for the twelve months amounted to $87.01 million, reflecting a 42% increase relative to $61.25 million recorded in 2024. As a result, net interest income after loan impairment increased by 26% to $1.47 billion (2024: $1.17 billion). Fees and Other Income rose by 126%, moving from $20.20 million in 2024 to $45.56 million for the period under review while foreign exchange losses declined from $8.89 million (2024) to $0.364 million in 2025.

Total Net Interest Income and Other Revenue for the twelve months ended December 31, 2025 amounted to $1.51 billion, a 29% increase compared to $1.18 billion reported in 2024. For the fourth quarter, Total Net Interest Income and Other Revenue totalled $452.08 million, up from $317.43 million in Q4 2024.

Administrative expenses increased by 33%, totaling $931.14 million (2024: $698.94 million). Despite higher operating costs, profit before taxation rose by 22% to $582.13 million compared to $478.15 million in the prior year.

Income tax for the twelve months ended December 31, 2025 amounted to $8.03 million, representing an 88% decrease relative to the $67.59 million reported in 2024. For the fourth quarter, income tax expenses totaled $0.971 million (2024: $0.13 million). Consequently, net profit for the twelve months grew by 40%, reaching $574.09 million (2024: $410.57 million).

Total Comprehensive Income for the twelve months ended December 31, 2025 amounted to $570.48 million, a 38% increase relative to $412.92 million reported in 2024. For the fourth quarter, Total Comprehensive Income stood at $138.79 million, compared to $109.25 million for the corresponding period in 2024.

Consequently, Earnings Per Share for the twelve months amounted to $0.23 (2024: EPS: $0.16), while Earnings Per Share for the quarter totaled $0.06 (2024: EPS: $0.04). The twelve-month trailing EPS was $0.23, and the number of shares used in these calculations was 2,500,000,000.

Notably, Dolla’s stock price closed the trading period on February 12, 2026 at a price of $2.37 with a corresponding P/E ratio of 10.32x.

Balance Sheet Highlights

The company’s assets totaled $5.16 billion (2024: $4.58 billion). The growth in total assets was primarily driven by a $739 million increase in the company’s loan portfolio, while cash balance trended down by $212.96 million to $142.33 million (2024: $355.29 million).

Shareholders’ equity was $1.61 billion (2024: $1.13 billion), representing a book value per share of $0.64 (2024: $0.45).

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