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National Bank of Umm Al-Qaiwain (PSC) (ADX:NBQ)
United Arab Emirates flag United Arab Emirates · Delayed Price · Currency is AED
2.920
0.00 (0.00%)
At close: Aug 13, 2026

ADX:NBQ Financials Overview

Millions AED. Fiscal year is Jan - Dec.

Revenue & Profits
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
811.02844.15730.87669.21519.28401.13
Revenue Growth
5.40%15.50%9.21%28.87%29.45%10.95%
Net Income
538.14580.75506.03502.61364.52264.17
Earnings Per Share
0.270.290.250.250.190.14
EPS Growth
0.69%14.77%0.68%32.72%37.99%29.60%

Revenue by Segment
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Treasury and Investments
489.9470.5431.02308.82158.0850.2
Retail and Corporate Banking
309.43361.5284.49216.33306.1320.45
Others
11.6912.1515.3791.4555.130.48
Total
811.02844.15730.87616.6519.28401.13

Cash & Debt
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
4,6943,0915,3283,9743,9833,625
Total Debt
1.511.742.541.953.695.24
Net Cash (Debt)
4,6933,0905,3253,9723,9793,620
Net Cash Growth
-8.88%-41.98%34.09%-0.19%9.92%4.25%
Net Cash Per Share
2.351.542.661.992.071.88

Cash Flow & CapEx
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
-2,930-5,217-888.82-683.4469.87758.24
Capital Expenditures
-11.05-13.55-28.05-13.27-6.35-10.08
Free Cash Flow
-2,941-5,231-916.87-696.67463.52748.16
Free Cash Flow Growth
-----38.05%1.37%

Margins
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Profit Margin
66.35%68.80%69.24%75.11%70.20%65.85%
FCF Margin
-362.69%-619.66%-125.45%-104.10%89.26%186.51%

Dividends
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingAug '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Dividend Per Share
0.2000.2000.1800.1500.1000.074
Dividend Per Share Growth
11.11%11.11%20.00%50.00%35.32%0%
Dividend Yield
6.85%7.18%9.54%10.80%7.47%6.07%

Valuation
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingAug '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
10.8510.308.706.969.8212.94
P/FCF Ratio
----7.724.57
PS Ratio
7.207.086.025.236.898.52