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AlRayan Bank

DSMD:MARKFinancial ServicesQSE:GNRI

QAR 1.65−1.85%At closeAt close · Mon 19 Oct · ≈ AED 1.66 · Market cap $4.37B · Next earnings Thu 22 Oct

Ratio	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025	Current · undated	YoY
Gross margin	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	—	—
Operating margin	76.3%	75.2%	70.7%	48.2%	50.2%	58.2%	58.2%	+0.0 pts
Net margin	74.2%	53.4%	34.1%	46.2%	48.5%	56.3%	58.2%	+1.9 pts
EBITDA margin	74.7%	55.7%	38.9%	53.7%	55.8%	64.6%	—	—
Return on equity	15.1%	7.0%	5.6%	5.9%	6.0%	6.0%	6.1%	+0.1 pts
Return on assets	1.8%	1.0%	0.8%	0.9%	0.9%	0.8%	0.9%	+0.0 pts
Return on capital employed	9.3%	4.5%	6.2%	3.5%	3.4%	2.7%	—	—
Debt / equity	0.5×	0.8×	0.5×	0.4×	0.4×	0.5×	0.5×	−1.1%
Debt / assets	6.0%	11.8%	7.4%	6.6%	6.2%	7.0%	—	—
Interest coverage	0.0×	0.0×	0.0×	0.0×	0.0×	0.0×	—	—
Current ratio	0.1×	0.1×	0.1×	0.1×	0.1×	0.1×	0.1×	+0.0%
Quick ratio	0.1×	0.1×	0.1×	0.1×	0.1×	0.1×	—	—
Cash ratio	0.1×	0.1×	0.1×	0.1×	0.1×	0.1×	0.1×	+0.0%
Asset turnover	0.0×	0.0×	0.0×	0.0×	0.0×	0.0×	—	—
Receivables turnover	4.5×	3.4×	2.7×	1.8×	1.5×	1.2×	—	—
Dividend payout	74.6%	70.3%	121.1%	77.4%	68.3%	64.6%	—	—