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National Bank of Ras Al-Khaimah PSC

ADX:RAKBANKFinanceADX:FADGIADX:FADSI

AED 10.00−0.40%At closeAt close · Mon 19 Oct · Market cap $5.5B · Next earnings Tue 27 Oct

Ratio	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025	YoY
Operating margin	11.8%	19.6%	29.2%	29.6%	32.3%	37.0%	+4.7 pts
Net margin	11.4%	19.4%	26.0%	28.5%	29.3%	33.8%	+4.5 pts
Return on equity	6.5%	9.1%	13.0%	17.3%	17.6%	19.1%	+1.5 pts
Return on assets	1.0%	1.3%	1.8%	2.4%	2.3%	2.5%	+0.1 pts
Return on capital employed	2.4%	3.1%	4.6%	5.7%	5.6%	6.0%	+0.4 pts
Debt / equity	0.8×	1.1×	1.2×	1.0×	1.1×	1.3×	+11.9%
Debt / assets	11.4%	15.2%	15.8%	14.3%	15.1%	16.5%	+1.3 pts
Interest coverage	2.4×	5.2×	4.9×	3.7×	4.1×	3.9×	−3.9%
Current ratio	0.3×	0.3×	0.3×	0.3×	0.4×	0.4×	+10.0%
Quick ratio	0.3×	0.3×	0.3×	0.3×	0.4×	0.4×	+10.0%
Asset turnover	0.1×	0.1×	0.1×	0.1×	0.1×	0.1×	−8.6%
Dividend payout	99.8%	33.5%	32.4%	32.0%	30.1%	38.7%	+8.6 pts