National Bank of Fujairah PJSC (ADX:NBF)
United Arab Emirates flag United Arab Emirates · Delayed Price · Currency is AED
4.840
0.00 (0.00%)
At close: Nov 2, 2026

ADX:NBF Financials Overview

Millions AED. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
2,2252,1101,7451,424918.55601.53
Revenue Growth
6.93%20.90%22.56%55.02%52.70%3723.85%
Net Income
1,3041,205754.61649.57264.8839.75
Earnings Per Share
0.510.470.290.250.120.02
EPS Growth
19.58%59.71%16.17%111.55%566.45%-

Revenue by Segment

Fiscal Year
TTMFY 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 Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
4,0476,4675,08910,6098,9667,831
Total Debt
8,5807,6525,4594,2723,9912,808
Net Cash (Debt)
-4,533-1,185-369.556,3374,9755,023
Net Cash Growth
---27.38%-0.97%84.33%
Net Cash Per Share
-1.76-0.46-0.142.462.232.26

Cash Flow & CapEx

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
2,233-4,408-3,095-2,769-2,490-1,036
Capital Expenditures
-112.2-91.47-100.58-106.69-83.69-55.71
Free Cash Flow
2,120-4,499-3,196-2,876-2,573-1,092
Free Cash Flow Growth
------

Margins

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Profit Margin
58.61%57.12%43.24%45.62%28.84%6.61%
FCF Margin
95.29%-213.24%-183.13%-201.94%-280.14%-181.52%

Dividends

Fiscal Year
CurrentFY 2025FY 2024FY 2023
Period EndingNov '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
4.13%3.92%4.60%2.00%

Valuation

Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingNov '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
9.5810.9211.1516.3237.68251.59
PS Ratio
5.616.244.827.4410.8716.62