National Bank of Fujairah PJSC (ADX:NBF)

ADX:NBF Statistics

Total Valuation

ADX:NBF has a market cap or net worth of AED 11.72 billion.

Market Cap	11.72B
Enterprise Value	n/a

Important Dates

The last earnings date was Wednesday, October 29, 2025.

Earnings Date	Oct 29, 2025
Ex-Dividend Date	n/a

Share Statistics

ADX:NBF has 2.58 billion shares outstanding. The number of shares has decreased by -9.34% in one year.

Current Share Class	2.58B
Shares Outstanding	2.58B
Shares Change (YoY)	-9.34%
Shares Change (QoQ)	n/a
Owned by Insiders (%)	0.02%
Owned by Institutions (%)	n/a
Float	480.71M

Valuation Ratios

The trailing PE ratio is 10.74.

PE Ratio	10.74
Forward PE	n/a
PS Ratio	5.63
PB Ratio	1.57
P/TBV Ratio	1.62
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	n/a
EV / Sales	n/a
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	-1.73
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 14.75%.

Return on Equity (ROE)	14.75%
Return on Assets (ROA)	1.81%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	2.43M
Profits Per Employee	1.28M
Employee Count	855
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, ADX:NBF has paid 114.10 million in taxes.

Income Tax	114.10M
Effective Tax Rate	9.06%

Stock Price Statistics

The stock price has increased by +13.78% in the last 52 weeks. The beta is 0.18, so ADX:NBF's price volatility has been lower than the market average.

Beta (5Y)	0.18
52-Week Price Change	+13.78%
50-Day Moving Average	4.10
200-Day Moving Average	4.08
Relative Strength Index (RSI)	92.32
Average Volume (20 Days)	70,000

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	n/a

Income Statement

In the last 12 months, ADX:NBF had revenue of AED 2.08 billion and earned 1.09 billion in profits. Earnings per share was 0.42.

Revenue	2.08B
Gross Profit	2.08B
Operating Income	1.26B
Pretax Income	1.26B
Net Income	1.09B
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	0.42

Balance Sheet

The company has 5.12 billion in cash and 7.99 billion in debt, giving a net cash position of -2.88 billion or -1.11 per share.

Cash & Cash Equivalents	5.12B
Total Debt	7.99B
Net Cash	-2.88B
Net Cash Per Share	-1.11
Equity (Book Value)	7.48B
Book Value Per Share	2.90
Working Capital	-47.63B

Cash Flow

In the last 12 months, operating cash flow was -4.52 billion and capital expenditures -98.11 million, giving a free cash flow of -4.62 billion.

Operating Cash Flow	-4.52B
Capital Expenditures	-98.11M
Free Cash Flow	-4.62B
FCF Per Share	-1.79

Margins

Gross Margin	n/a
Operating Margin	60.51%
Pretax Margin	60.51%
Profit Margin	55.02%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of 0.15, which amounts to a dividend yield of 3.30%.

Dividend Per Share	0.15
Dividend Yield	3.30%
Dividend Growth (YoY)	50.00%
Years of Dividend Growth	6
Payout Ratio	38.55%
Buyback Yield	9.34%
Shareholder Yield	12.64%
Earnings Yield	9.31%
FCF Yield	-39.39%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

The last stock split was on March 15, 2024. It was a forward split with a ratio of 1.05.

Last Split Date	Mar 15, 2024
Split Type	Forward
Split Ratio	1.05

Scores

Altman Z-Score	n/a
Piotroski F-Score	2