UniCap Investment & Finance SAKC

What UniCap Investment & Finance SAKC does

UniCap Investment & Finance SAKC is a publicly listed Kuwaiti shareholding company (KSE: UNICAP) that operates as a licensed, non-bank financial services provider authorized by the Central Bank of Kuwait and the Capital Markets Authority. Founded in 2002 as Housing Finance Company ("Iskan") and listed on the Kuwait Stock Exchange in 2005, the company provides nine regulated service lines: credit facilities (installment sales), corporate financing for individuals and legal entities, direct investment in managed financial portfolios, real estate trading for its own account, collective investment scheme management, investment portfolio management, securities and bonds trading, Ijara leasing, and international trade financing and brokerage. UniCap targets both individual borrowers seeking real estate and land financing and corporate or institutional clients across the Kuwaiti and broader Gulf market.

The company's revenue model spans transaction-fee-based streams (credit, financing, direct investment, real estate trading, securities/bonds trading, trade brokerage), managed services (collective investment and portfolio management), and subscription/recurring income (Ijara leasing). Pricing is per-client negotiated rather than publicly disclosed. The group distributes services directly from its headquarters in Al-Mirqab, Kuwait City, and through a ten-subsidiary ecosystem that spans real estate (Iskan Real Estate, Iskan Trading & Contracting, Al-Athila Tourism Resorts, Iskan Oman Investment), education (Kuwait First Educational Services operating Kuwait Ahlia Modern School and Al-Riyada Model School; Al-Riyada Global), food marketing, wholesale gifts and accessories, public auctions (UniBid), and electronic payment systems (UniPay). Marketing is conducted primarily through the corporate website, Boursa Kuwait regulatory disclosures, and corporate social responsibility programs.

Financially, UniCap reported total assets of 60,066,166 KWD, total equity of 23,052,188 KWD, total liabilities of 37,130,978 KWD, and net profit of 1,252,002 KWD for the fiscal year ending 31 August 2025, with 51-100 employees. The group maintains ISO 9001:2015 certification and is governed by a 7-member Board of Directors chaired by a member of the Al-Sayegh family, with the Vice Chairman also serving as CEO. Recent strategic activity includes an announced merger of subsidiary Iskan Trading & Contracting with Al-Ikhlas Holding, a new board election in April 2026, and ongoing regulatory engagement with Kuwait's CMA.

Name

UniCap Investment & Finance SAKC

Legal name

شركة يونيكاب للإستثمار والتمويل ش.م.ك (UniCap Investment & Finance SAKC)

Website

https://unicap.com.kw

Company type

Public

Founded year

2002

Operating status

Operating

Headcount range

51–100 employees

Short description

UniCap Investment & Finance SAKC is a publicly listed Kuwaiti non-bank financial services company authorized by the Central Bank of Kuwait, offering credit facilities, corporate financing, investment management, securities trading, Ijara leasing, and real estate investment across Kuwait and the Gulf.

Ownership category

akta.pro rank

Product category

Investment & Corporate Finance

NAICS

Portfolio Management and Investment Advice (523940), Securities, Commodity Contracts, and Other Financial Investments and Related Activities (523), All Other Financial Investment Activities (52399), Commercial Banking (522110), Funds, Trusts, and Other Financial Vehicles (525)

SIC

Investment Advice (6282), Loan Brokers (6163), Investors, Nec (6799), Security Brokers, Dealers & Flotation Companies (6211)

akta.pro primary industry

Direct Lending — Specialty Finance (Consumer/SME Lending Platforms) (FSAHAJAF)

akta.pro secondary industries

Middle-Market Lending (FSANADAI), Real Estate Capital Markets Advisory (Debt/Equity Placement, Refinancing) (BPAJANAE), Capital Markets Advisory (IPO Readiness, SPAC, ECM/DCM Advisory) (BPAHAOAL)

Keywords

• Investment services
• Corporate financing
• Credit facilities
• Portfolio management
• Securities trading

Headquarters

HQ city

Kuwait

HQ country

Kuwait

HQ region

Middle East

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales, Others

Revenue model

1. Credit Facilities (Installment Sales): Provision of credit facilities including installment sales of goods and services.
2. Corporate Financing: Financing services for companies and institutions, including short-term, medium-term, and long-term loans for individuals and legal entities to finance purchase of land and real estate.
3. Direct Investment: Investment of surplus funds in financial portfolios managed by specialized companies and institutions.
4. Real Estate Trading: Ownership and trading of real estate and land for the company's own account.
5. Collective Investment System Management: Management of collective investment schemes.
6. Investment Portfolio Management: Management of investment portfolios.
7. Securities and Bonds Trading: Buying and selling of shares and bonds for the company's own account.
8. Leasing (Ijara): Leasing services provided to clients in accordance with Central Bank of Kuwait regulations.
9. International Trade Financing and Brokerage: Financing and brokerage in international trade operations.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

UniCap Investment & Finance SAKC is a Kuwait-based licensed investment and finance company that provides credit facilities, corporate financing, direct investments, financial consulting, collective investment management, investment portfolio management, securities and bonds trading, Ijara (leasing), international trade financing, and real estate trading. It serves clients across Kuwait and the Gulf market, with investments in real estate, education, healthcare, and food sectors.

Product overview

UniCap Investment & Finance SAKC is a diversified financial services company offering a unified platform of investment and financing services. The core offering includes investment and financing services, real estate services, education services, and health sector investment. Through its subsidiaries, the company operates across multiple sectors including real estate development, educational services (Kuwait Al-Ahliya Modern School and Al-Riyada Model School), tourist resort management, public auctions (UniBid), food marketing, wholesale gifts, and electronic payment systems (UniPay).

Differentiator

Problem solved

Functional benefit

Products and services

• Credit Facilities / Installment Sales (الأتمان) Provides credit facilities and installment sales to corporate and individual clients in Kuwait and the Gulf market, enabling financing of purchases and operations.
• Corporate Financing (تمويل الشركات) Provides structured corporate financing solutions to businesses in Kuwait and the Gulf region, supporting capital requirements and growth initiatives.
• Direct Investments (إستثمارات مباشرة) Undertakes direct equity investments across real estate, education, healthcare, and food sectors through the company and its subsidiaries.
• Financial Consulting (الإستشارات المالية) Provides financial consulting services to corporate and institutional clients in Kuwait and the Gulf market.
• Collective Investment Management (إدارة محافظ استثمارية) Manages collective investment schemes for clients in Kuwait and the Gulf region, pooling capital for diversified investment exposure.
• Investment Portfolio Management (إدارة محافظ استثمارية) Manages investment portfolios on behalf of clients, providing discretionary portfolio management and investment decision-making.
• Securities and Bonds Trading (تداول الأوراق المالية) Trading of securities and bonds on behalf of clients and for the firm's own account on the Kuwait Stock Exchange and other markets.
• Ijara / Leasing (الإجارة) Provides Islamic Ijara (leasing) services to clients, enabling asset acquisition and use through Sharia-compliant lease structures.
• International Trade Financing (تمويل التجارة الدولية) Provides financing solutions for international trade transactions to corporate clients in Kuwait and the Gulf region.
• Real Estate Trading (التجارة في العقارات) Engages in real estate trading and development activities in Kuwait and the Gulf region as part of its diversified investment portfolio.

Quantifiable outcome

• Net profit of 1,252,002 KD for FY ending 31 August 2025
• +4 more outcomes

Segments3 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Three partnerships are on record, tiered minor.

• Kuwait Red Crescent Society (جمعية الهلال الأحمر الكويتي)minorStrategic or Co-development Partner · 12 September 2018UniCap partnered with the Kuwait Red Crescent Society on the 'Donate for their Education' campaign to provide long-term free scholarships for children from low-income and needy families (non-Kuwaiti) through various academic levels until high school graduation. The partnership aligns with UniCap's social responsibility program and its owned schools (Kuwait Ahlia Modern School and Al-Riyada Model School).
• Ministry of Commerce and Industry (Kuwait)minorOthers · 3 April 2018Represented at the company's Ordinary General Assembly meeting by a representative (Ms. Mariam Maayouf), as required by law for listed companies in Kuwait.
• Capital Markets Authority (Kuwait)minorOthers · 3 April 2018As a listed investment and finance company, UniCap is regulated by the Capital Markets Authority (CMA) and is subject to their governance requirements including Book 16 compliance audits.

Scale indicators8 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Kuwait Investment Company (KIC): Kuwait-listed investment company offering portfolio management, securities trading, and corporate financing. Directly comparable to UniCap on product mix (lending + investments) and Kuwaiti small-cap listed status.
• Arzan Financial Group for Financing and Investment: Kuwait-listed financial group offering investment advisory, asset management, and financing. Closely comparable to UniCap in scale, product breadth (financing + investing), and GCC focus.
• National Investments Company (Kuwait): Kuwaiti investment company active in asset management, brokerage, and corporate finance. Comparable to UniCap as a multi-license Boursa Kuwait-listed investment firm serving individuals and corporates.
• International Financial Advisors (IFA): Kuwait-listed financial advisory and investment firm. Comparable as a small-cap Boursa Kuwait investment company providing portfolio management and corporate advisory similar to UniCap.
• Amwal International Investment Company: Kuwaiti investment company listed on Boursa Kuwait engaged in portfolio management and corporate investment. Closely comparable to UniCap on size, listed status, and core investment activity.
• Coast Investment & Development Company: Kuwaiti investment and real estate development firm listed on Boursa Kuwait. Comparable to UniCap in combining investment activity with real estate development and Gulf regional exposure.
• Al Mal Investment Company: Kuwait-based investment company with multi-asset investment and financing operations. Comparable to UniCap on Kuwaiti focus, licensed investment activities, and small-cap listed profile.

Broad incumbents

• Gulf Investment Corporation (GIC): Kuwait-headquartered, GCC-owned investment and development bank. Comparable as a regional incumbent offering corporate finance, equity investment, and asset management at greater scale than UniCap.
• Kuwait Finance House (KFH): One of the largest Islamic banks in Kuwait, providing Ijara, Murabaha, and investment services. Comparable to UniCap on Islamic finance product set (notably Ijara leasing) and Kuwaiti customer base, though at vastly greater scale.

Emerging players

• Injazat Real Estate Development Company: Kuwaiti real estate-focused firm with investment activities. Comparable to UniCap as a smaller emerging player with overlapping real estate investment and development exposure in the Kuwaiti market.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks2 records

Key highlights6 records

Customer concentration

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles12 records

Subsidiaries10 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about UniCap Investment & Finance SAKC