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Qatar National Bank SAQ

DSMD:QNBKFinancial ServicesQSE:GNRI

QAR 15.66+2.29%At closeAt close · Mon 19 Oct · ≈ AED 15.80 · Market cap $39.25B · Next earnings Wed 13 Jan

Ratio	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025	Current · undated	YoY
Gross margin	100.0%	100.0%	100.0%	100.0%	100.0%	27.0%	—	—
Operating margin	52.0%	52.6%	49.9%	55.8%	76.2%	16.3%	16.3%	+0.0 pts
Net margin	47.6%	47.5%	42.0%	41.3%	41.3%	12.6%	16.3%	+3.7 pts
EBITDA margin	54.8%	54.0%	55.8%	50.0%	51.5%	16.6%	—	—
Return on equity	12.5%	13.4%	13.7%	14.2%	14.9%	16.5%	21.0%	+4.5 pts
Return on assets	1.2%	1.2%	1.2%	1.3%	1.3%	1.2%	1.6%	+0.4 pts
Return on capital employed	1.3%	1.3%	1.4%	1.7%	11.1%	1.7%	—	—
Debt / equity	0.7×	0.7×	0.6×	0.6×	2.3×	2.6×	2.5×	−1.6%
Debt / assets	6.9%	6.1%	5.2%	5.4%	20.1%	18.9%	—	—
Interest coverage	0.6×	0.7×	0.6×	0.3×	0.3×	0.2×	—	—
Current ratio	38.7×	47.6×	29.2×	7.3×	0.2×	0.8×	0.8×	+0.0%
Quick ratio	38.7×	47.6×	29.2×	7.3×	0.4×	0.8×	—	—
Cash ratio	35.2×	42.5×	25.9×	9.0×	0.2×	0.6×	0.6×	+0.0%
Asset turnover	0.0×	0.0×	0.0×	0.0×	0.0×	0.1×	—	—
Inventory turnover	—	—	—	—	−0.4×	—	—	—
Receivables turnover	1.7×	1.4×	1.4×	1.3×	1.3×	5.0×	—	—
Dividend payout	46.1%	31.5%	35.4%	35.7%	54.2%	38.7%	—	—

Margins, returns, leverage and liquidityUpdated 31 Dec 2025 ·

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Current snapshot ratios have no reporting date and are shown separately from fiscal periods.