ADX:RAKBANK Ratios and Metrics

Market cap in millions AED. Fiscal year is January - December.

Millions AED. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jul '26 Jul 23, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Market Capitalization	18,466	16,897	12,170	10,661	7,878	7,543
Market Cap Growth	21.59%	38.84%	14.15%	35.32%	4.44%	15.38%
Last Close Price	9.18	7.86	5.26	4.34	3.00	2.75
PE Ratio	6.36	6.50	5.87	5.98	6.73	9.98
PS Ratio	3.61	3.58	3.09	3.14	3.03	3.50
PB Ratio	1.23	1.15	1.03	1.03	0.87	0.90
Debt / Equity Ratio	0.94	1.08	1.12	1.01	1.17	1.05
Net Debt / Equity Ratio	0.47	0.69	0.79	0.65	0.82	0.60
Net Debt / FCF Ratio	-0.68	-1.95	-1.58	-4.32	-17.13	-2.22
Return on Equity (ROE)	21.55%	19.65%	18.74%	18.41%	13.36%	9.35%
Return on Assets (ROA)	2.90%	2.70%	2.56%	2.54%	1.88%	1.37%
Earnings Yield	15.91%	15.39%	17.03%	16.73%	14.85%	10.02%
FCF Yield	-55.72%	-30.74%	-48.31%	-14.59%	-5.50%	-30.08%
Dividend Yield	6.86%	8.01%	9.51%	7.14%	9.44%	6.82%
Payout Ratio	44.37%	38.68%	30.09%	31.95%	32.23%	33.25%
Buyback Yield / Dilution	0.16%	-	-	-	0.00%	-
Total Shareholder Return	7.09%	8.01%	9.51%	7.14%	9.44%	6.82%