United Arab Bank P.J.S.C. (ADX:UAB)

United Arab Bank P.J.S.C. Financials Overview

Financials in millions AED. Fiscal year is January - December.

Revenue & Profits

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Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Revenue Revenue Growth	856.54	847.28	648.63	540.11	408.53	313.91
Revenue Growth	13.70%	30.63%	20.09%	32.21%	30.14%	-
Net Income Net Income Growth	431.15	437.86	300.96	255.31	154.72	70.19
Earnings Per Share EPS Growth	0.14	0.18	0.15	0.12	0.08	0.03
EPS Growth	-19.47%	21.52%	17.84%	65.25%	120.43%	-

Revenue by Segment

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Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Corporate Banking Corporate Banking Growth	542.89	523.76	391.12	297.74	-	-
Personal Banking Personal Banking Growth	62.83	75.07	68.24	64.26	91.14	53.32
Treasury and Capital Markets Treasury and Capital Markets Growth	250.83	248.45	189.27	178.11	-	-
Total Total Growth	856.54	847.28	648.63	540.11	406.53	313.91

Cash & Debt

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Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Investments Cash & Investments Growth	2,704	2,713	2,635	2,202	1,337	2,018
Total Debt Total Debt Growth	2,979	2,705	1,988	2,519	1,050	832.07
Net Cash (Debt) Net Cash Growth	-275.43	8.55	646.72	-317.27	287.38	1,186
Net Cash Growth	-	-98.68%	-	-	-75.76%	231.53%
Net Cash Per Share Net Cash Per Share Growth	-0.09	0.00	0.31	-0.15	0.14	0.57

Cash Flow & CapEx

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Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Operating Cash Flow Operating Cash Flow Growth	-2,141	-2,287	-3,303	-709.86	707.4	2,081
Capital Expenditures CapEx Growth	-80.14	-70.27	-46.01	-22.68	-12.86	-12.67
Free Cash Flow Free Cash Flow Growth	-2,221	-2,357	-3,349	-732.54	694.53	2,068
Free Cash Flow Growth	-	-	-	-	-66.42%	-8.92%

Margins

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Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Profit Margin	50.34%	51.68%	46.40%	47.27%	37.87%	22.36%
FCF Margin	-259.31%	-278.22%	-516.38%	-135.63%	170.01%	658.89%

Dividends

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Fiscal Year	Current	FY 2025
Period Ending	Sep 23, 2026	Dec 31, 2025
Dividend Per Share Dividend Per Share Growth	0.035	0.035
Dividend Per Share Growth	0%	-
Dividend Yield	2.59%	2.76%

Valuation

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Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 23, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
PE Ratio	9.34	9.19	9.39	10.91	11.33	19.78
Forward PE	11.44	11.02	11.66	15.00	10.69	269.20
P/FCF Ratio	-	-	-	-	2.52	0.67
PS Ratio	4.88	4.75	4.36	5.16	4.29	4.42

Data Source: S&P Global Market Intelligence Last updated: Jun 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Sep 22, 2026

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