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Sharjah Islamic Bank PJSC (ADX:SIB)
United Arab Emirates flag United Arab Emirates · Delayed Price · Currency is AED
2.960
+0.010 (0.34%)
Last updated: Aug 5, 2026, 10:00 AM GST

Sharjah Islamic Bank PJSC 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
2,4572,2691,9711,7541,2951,183
Revenue Growth
12.66%15.13%12.33%35.44%9.51%17.90%
Net Income
1,2661,169956.06749.72650.91514.07
Earnings Per Share
0.400.380.300.230.200.16
EPS Growth
25.72%26.44%29.91%14.33%26.62%26.67%

Revenue by Segment
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Investment and Treasury
1,026960.371,001798.18405.6979.99
Government and Corporate
733.4615.05397.23435.09451.35648.42
Hospitality, Brokerage and Real Estate
482.69469.81321.07210.35109.75101.43
Retail
215.74223.68251.62310.79328.56353.07
Total
2,4582,2691,9711,7541,2951,183

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
6,6479,63511,3855,6227,42110,765
Total Debt
19,40721,82016,57810,9073,6963,821
Net Cash (Debt)
-12,760-12,185-5,192-5,2853,7256,944
Net Cash Growth
-----46.36%585.53%
Net Cash Per Share
-4.12-3.94-1.62-1.631.152.15

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
-13,941-4,6601,876-531.03-1,16479.64
Capital Expenditures
-62.28-60.76-55.72-34.81-76.31-229.61
Free Cash Flow
-14,003-4,7211,820-565.84-1,241-149.97
Free Cash Flow Growth
------

Margins
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Profit Margin
51.52%51.54%48.51%42.73%50.25%43.46%
FCF Margin
-569.95%-208.06%92.36%-32.25%-95.78%-12.68%

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
0.2000.2000.1500.1000.0950.076
Dividend Per Share Growth
33.33%33.33%50.00%5.04%24.93%0%
Dividend Yield
6.76%7.40%7.36%5.25%6.85%5.71%

Valuation
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingAug '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
7.198.638.4310.499.2311.69
Forward PE
8.489.569.4010.1310.988.34
P/FCF Ratio
--4.43---
PS Ratio
3.824.454.094.484.645.08