Preferred Bank

NAS:PFBCFinancial ServicesCBOEFTSE:MRUTNASDAQ:BANK

$103.59−0.79%At closeAt close · Tue 20 Oct · ≈ AED 380.43 · Market cap $1.23B · Next earnings Fri 23 Oct

Ratio	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025	Current · undated	YoY
Gross margin	70.0%	89.0%	82.0%	58.8%	52.2%	55.0%	—	—
Operating margin	44.0%	61.2%	59.4%	43.7%	35.4%	38.0%	38.0%	+0.0 pts
Net margin	31.5%	43.5%	42.7%	31.1%	25.1%	26.8%	26.8%	+0.0 pts
EBITDA margin	44.8%	62.0%	60.1%	43.9%	35.8%	38.3%	—	—
Return on equity	13.2%	16.2%	20.4%	21.6%	17.1%	16.9%	16.9%	+0.0 pts
Return on assets	1.4%	1.6%	2.0%	2.3%	1.9%	1.8%	1.8%	+0.0 pts
Return on capital employed	13.8%	16.3%	20.7%	22.6%	18.6%	2.5%	—	—
Debt / equity	0.2×	0.3×	0.3×	0.2×	0.2×	0.5×	0.5×	+0.0%
Debt / assets	2.3%	2.8%	2.6%	2.5%	2.4%	5.0%	—	—
Interest coverage	2.4×	5.3×	3.8×	1.1×	0.8×	0.9×	—	—
Current ratio	0.2×	0.3×	0.2×	0.2×	0.1×	149.6×	149.6×	+0.0%
Quick ratio	0.2×	0.3×	0.2×	0.2×	0.1×	149.6×	—	—
Cash ratio	0.2×	0.2×	0.1×	0.2×	0.1×	140.2×	140.2×	+0.0%
Asset turnover	0.0×	0.0×	0.0×	0.1×	0.1×	0.1×	—	—
Receivables turnover	9.3×	14.9×	12.8×	13.3×	14.6×	14.6×	—	—
Dividend payout	25.8%	22.5%	19.5%	20.8%	28.7%	28.6%	—	—

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.