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

United Arab Bank P.J.S.C. Statistics

Total Valuation

ADX:UAB has a market cap or net worth of AED 3.87 billion.

Market Cap	3.87B
Enterprise Value	n/a

Important Dates

The last earnings date was Monday, October 27, 2025.

Earnings Date	Oct 27, 2025
Ex-Dividend Date	n/a

Share Statistics

ADX:UAB has 3.09 billion shares outstanding. The number of shares has increased by 7.48% in one year.

Current Share Class	3.09B
Shares Outstanding	3.09B
Shares Change (YoY)	+7.48%
Shares Change (QoQ)	+26.94%
Owned by Insiders (%)	20.88%
Owned by Institutions (%)	10.79%
Float	1.21B

Valuation Ratios

The trailing PE ratio is 6.83 and the forward PE ratio is 11.57.

PE Ratio	6.83
Forward PE	11.57
PS Ratio	4.79
PB Ratio	0.98
P/TBV Ratio	0.98
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	-0.99
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 12.37%.

Return on Equity (ROE)	12.37%
Return on Assets (ROA)	1.82%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	n/a
Profits Per Employee	n/a
Employee Count	n/a
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, ADX:UAB has paid 40.12 million in taxes.

Income Tax	40.12M
Effective Tax Rate	9.03%

Stock Price Statistics

The stock price has increased by +13.64% in the last 52 weeks. The beta is 0.43, so ADX:UAB's price volatility has been lower than the market average.

Beta (5Y)	0.43
52-Week Price Change	+13.64%
50-Day Moving Average	1.23
200-Day Moving Average	1.31
Relative Strength Index (RSI)	50.73
Average Volume (20 Days)	564,426

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:UAB had revenue of AED 806.93 million and earned 404.27 million in profits. Earnings per share was 0.18.

Revenue	806.93M
Gross Profit	806.93M
Operating Income	448.81M
Pretax Income	444.39M
Net Income	404.27M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	0.18

Balance Sheet

The company has 1.05 billion in cash and 2.80 billion in debt, giving a net cash position of -1.75 billion or -0.56 per share.

Cash & Cash Equivalents	1.05B
Total Debt	2.80B
Net Cash	-1.75B
Net Cash Per Share	-0.56
Equity (Book Value)	3.96B
Book Value Per Share	1.10
Working Capital	-17.63B

Cash Flow

In the last 12 months, operating cash flow was -2.76 billion and capital expenditures -76.68 million, giving a free cash flow of -2.83 billion.

Operating Cash Flow	-2.76B
Capital Expenditures	-76.68M
Free Cash Flow	-2.83B
FCF Per Share	-0.92

Margins

Gross Margin	n/a
Operating Margin	55.62%
Pretax Margin	55.07%
Profit Margin	50.10%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

ADX:UAB does not appear to pay any dividends at this time.

Dividend Per Share	n/a
Dividend Yield	n/a
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	10.98%
Buyback Yield	-7.48%
Shareholder Yield	-7.48%
Earnings Yield	10.45%
FCF Yield	-73.28%

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 March 12, 2015. It was a forward split with a ratio of 1.2.

Last Split Date	Mar 12, 2015
Split Type	Forward
Split Ratio	1.2

Scores

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