The National Bank of Ras Al-Khaimah (P.S.C.) (ADX:RAKBANK)

ADX:RAKBANK Statistics

Total Valuation

ADX:RAKBANK has a market cap or net worth of AED 15.65 billion.

Market Cap	15.65B
Enterprise Value	n/a

Important Dates

The next estimated earnings date is Tuesday, January 27, 2026.

Earnings Date	Jan 27, 2026
Ex-Dividend Date	Mar 27, 2025

Share Statistics

ADX:RAKBANK has 2.01 billion shares outstanding.

Current Share Class	2.01B
Shares Outstanding	2.01B
Shares Change (YoY)	n/a
Shares Change (QoQ)	n/a
Owned by Insiders (%)	6.91%
Owned by Institutions (%)	0.04%
Float	773.42M

Valuation Ratios

The trailing PE ratio is 6.36 and the forward PE ratio is 7.26.

PE Ratio	6.36
Forward PE	7.26
PS Ratio	3.47
PB Ratio	1.10
P/TBV Ratio	1.14
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	-4.37
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 19.15%.

Return on Equity (ROE)	19.15%
Return on Assets (ROA)	2.69%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	1.29M
Profits Per Employee	703,095
Employee Count	3,508
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, ADX:RAKBANK has paid 241.31 million in taxes.

Income Tax	241.31M
Effective Tax Rate	8.91%

Stock Price Statistics

The stock price has increased by +42.94% in the last 52 weeks. The beta is 0.10, so ADX:RAKBANK's price volatility has been lower than the market average.

Beta (5Y)	0.10
52-Week Price Change	+42.94%
50-Day Moving Average	7.80
200-Day Moving Average	7.19
Relative Strength Index (RSI)	50.12
Average Volume (20 Days)	38,519

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:RAKBANK had revenue of AED 4.51 billion and earned 2.46 billion in profits. Earnings per share was 1.22.

Revenue	4.51B
Gross Profit	4.51B
Operating Income	2.71B
Pretax Income	2.71B
Net Income	2.46B
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	1.22

Balance Sheet

The company has 6.81 billion in cash and 15.89 billion in debt, giving a net cash position of -9.08 billion or -4.52 per share.

Cash & Cash Equivalents	6.81B
Total Debt	15.89B
Net Cash	-9.08B
Net Cash Per Share	-4.52
Equity (Book Value)	14.20B
Book Value Per Share	6.51
Working Capital	-48.90B

Cash Flow

In the last 12 months, operating cash flow was -3.37 billion and capital expenditures -272.12 million, giving a free cash flow of -3.64 billion.

Operating Cash Flow	-3.37B
Capital Expenditures	-272.12M
Free Cash Flow	-3.64B
FCF Per Share	-1.81

Margins

Gross Margin	n/a
Operating Margin	60.00%
Pretax Margin	60.00%
Profit Margin	54.49%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of 0.50, which amounts to a dividend yield of 6.42%.

Dividend Per Share	0.50
Dividend Yield	6.42%
Dividend Growth (YoY)	61.29%
Years of Dividend Growth	3
Payout Ratio	40.89%
Buyback Yield	n/a
Shareholder Yield	6.41%
Earnings Yield	15.72%
FCF Yield	-23.25%

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 June 23, 2023. It was a forward split with a ratio of 1.2.

Last Split Date	Jun 23, 2023
Split Type	Forward
Split Ratio	1.2

Scores

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