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United Arab Bank PJSC

ADX:UABFinanceADX:FADGI

AED 1.57+14.60%At closeAt close · Tue 20 Oct · Market cap $1.3B · Next earnings Tue 10 Nov

Ratio	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025	YoY
Operating margin	−73.5%	12.0%	21.6%	23.1%	25.2%	31.3%	+6.0 pts
Net margin	−87.2%	10.7%	20.5%	23.1%	22.7%	28.7%	+6.0 pts
Return on equity	−45.9%	4.6%	10.3%	14.7%	15.0%	12.6%	−2.5 pts
Return on assets	−4.5%	0.5%	1.1%	1.4%	1.4%	1.6%	+0.2 pts
Return on capital employed	−5.8%	0.9%	2.7%	3.2%	3.2%	3.2%	+0.0 pts
Debt / equity	0.9×	1.6×	2.2×	2.9×	2.4×	1.4×	−42.5%
Debt / assets	8.4%	15.9%	23.2%	28.4%	22.8%	18.1%	−4.7 pts
Interest coverage	0.0×	0.0×	0.0×	0.0×	7.1×	11.0×	+55.4%
Current ratio	0.4×	0.4×	0.3×	0.3×	0.3×	0.3×	+8.2%
Quick ratio	0.4×	0.4×	0.3×	0.3×	0.3×	0.3×	+8.2%
Asset turnover	0.1×	0.0×	0.1×	0.1×	0.1×	0.1×	−8.7%
Dividend payout	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	—

Margins, returns, leverage and liquidityUpdated 31 Dec 2025 ·

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