National Bank of Fujairah PJSC (ADX:NBF)
United Arab Emirates flag United Arab Emirates · Delayed Price · Currency is AED
5.00
0.00 (0.00%)
At close: Aug 13, 2026

ADX:NBF Financials Overview

Millions AED. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
2,2052,1101,7451,424918.55601.53
Revenue Growth
12.80%20.90%22.56%55.02%52.70%3723.85%
Net Income
1,2691,205754.61649.57264.8839.75
Earnings Per Share
0.490.470.290.250.120.02
EPS Growth
29.90%59.71%16.17%111.55%566.45%-

Revenue by Segment

Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Retail Banking
160.63162.58175.18150.01145.56132.78
Corporate and Institutional
556.88627.44394.54152.31-52.64-240.86
Business Banking Segment
887.49758.46700.4652.21517.16453.01
Treasury, Asset and Liability Management (ALM) and Others
-561.42475.06469.44308.47256.6
Total
2,2052,1101,7451,424918.55601.53

Cash & Debt

Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
6,1096,4675,08910,6098,9667,831
Total Debt
9,0787,6525,4594,2723,9912,808
Net Cash (Debt)
-2,970-1,185-369.556,3374,9755,023
Net Cash Growth
---27.38%-0.97%84.33%
Net Cash Per Share
-1.15-0.46-0.142.462.232.26

Cash Flow & CapEx

Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
-257.18-4,408-3,095-2,769-2,490-1,036
Capital Expenditures
-104.19-91.47-100.58-106.69-83.69-55.71
Free Cash Flow
-361.36-4,499-3,196-2,876-2,573-1,092
Free Cash Flow Growth
------

Margins

Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Profit Margin
57.54%57.12%43.24%45.62%28.84%6.61%
FCF Margin
-16.39%-213.24%-183.13%-201.94%-280.14%-181.52%

Dividends

Fiscal YearCurrentFY 2025FY 2024FY 2023
Period EndingAug '26 Dec '25 Dec '24 Dec '23
Dividend Per Share
0.2000.2000.1500.095
Dividend Per Share Growth
33.33%33.33%57.56%-
Dividend Yield
4.00%4.07%4.27%2.20%

Valuation

Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingAug '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
10.1710.9211.1516.3237.68251.59
PS Ratio
5.856.244.827.4410.8716.62