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

United Arab Emirates · Delayed Price · Currency is AED

1.380

0.00 (0.00%)

At close: Aug 13, 2026

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

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

Millions AED. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 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
Revenue	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	431.15	437.86	300.96	255.31	154.72	70.19
Earnings Per Share	0.14	0.18	0.15	0.12	0.08	0.03
EPS Growth	-21.82%	21.52%	17.84%	65.25%	120.43%	-

Revenue by Segment

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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
Treasury and Capital Markets	248.45	189.27	178.11	-	-
Corporate Banking	523.76	391.12	297.74	-	-
Personal Banking	75.07	68.24	64.26	91.14	53.32
Total	847.28	648.63	540.11	406.53	313.91

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 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
Cash & Investments	2,560	2,713	2,635	2,202	1,337	2,018
Total Debt	4,929	2,705	1,988	2,519	1,050	832.07
Net Cash (Debt)	-2,369	8.55	646.72	-317.27	287.38	1,186
Net Cash Growth	-	-98.68%	-	-	-75.76%	231.53%
Net Cash Per Share	-0.77	0.00	0.31	-0.15	0.14	0.57

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 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
Operating Cash Flow	-2,112	-2,287	-3,303	-709.86	707.4	2,081
Capital Expenditures	-80.14	-70.27	-46.01	-22.68	-12.86	-12.67
Free Cash Flow	-2,192	-2,357	-3,349	-732.54	694.53	2,068
Free Cash Flow Growth	-	-	-	-	-66.42%	-8.92%

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 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
Profit Margin	50.34%	51.68%	46.40%	47.27%	37.87%	22.36%
FCF Margin	-255.92%	-278.22%	-516.38%	-135.63%	170.01%	658.89%

Dividends

Fiscal Year	Current	FY 2025
Period Ending	Aug '26 Aug 13, 2026	Dec '25 Dec 31, 2025
Dividend Per Share	0.035	0.035
Dividend Per Share Growth	0%	-
Dividend Yield	2.54%	2.76%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug '26 Aug 13, 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
PE Ratio	9.91	9.19	9.39	10.91	11.33	19.78
Forward PE	11.69	11.02	11.66	15.00	10.69	269.20
P/FCF Ratio	-	-	-	-	2.52	0.67
PS Ratio	4.98	4.75	4.36	5.16	4.29	4.42