Emirates Investment Bank P.J.S.C. (DFM:EIBANK)

United Arab Emirates · Delayed Price · Currency is AED

48.00

0.00 (0.00%)

Oct 27, 2026, 3:00 PM GST

DFM:EIBANK 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	185.02	188.71	208.58	184.45	46.87	98.91
Revenue Growth	-4.82%	-9.53%	13.08%	293.54%	-52.62%	140.32%
Net Income	45.51	83.65	108.71	107.54	-23.67	30.62
Earnings Per Share	4.55	8.36	10.87	14.62	-6.48	8.75
EPS Growth	-53.40%	-23.06%	-25.64%	-	-	-

Revenue by Segment

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
Investments	64.83	58.56	47.22	29.2	13.77	68.73
Banking Services	120.19	130.15	161.37	155.26	68.65	58.44
Total	185.02	188.71	208.58	184.45	82.42	127.17

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	853.15	976.84	1,204	648.83	819.65	521.43
Total Debt	-	7.51	12.3	8.89	12.37	219.91
Net Cash (Debt)	853.15	969.33	1,192	639.94	807.28	301.52
Net Cash Growth	-5.35%	-18.68%	86.26%	-20.73%	167.74%	-61.66%
Net Cash Per Share	85.31	96.93	119.20	86.99	220.84	86.15

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	91.45	185.37	58.97	-918.85	-813.72	-443.39
Capital Expenditures	-3.46	-1.9	-0.23	-1.65	-0.51	-0.78
Free Cash Flow	87.99	183.47	58.75	-920.49	-814.23	-444.18
Free Cash Flow Growth	-75.69%	212.30%	-	-	-	-

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	24.60%	44.32%	52.12%	58.30%	-50.51%	30.95%
FCF Margin	47.56%	97.22%	28.17%	-499.04%	-1737.22%	-449.05%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Oct '26 Oct 28, 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	10.55	7.35	9.19	10.23	-	9.15
P/FCF Ratio	5.46	3.35	17.01	-	-	-
PS Ratio	2.59	3.26	4.79	5.96	7.83	2.83