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Financials

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Quarterly (AED)

1-5

	Q4 2025Dec 31, 2025	Q3 2025Sep 30, 2025	Q2 2025Jun 30, 2025	Q1 2025Mar 31, 2025	Q4 2024Dec 31, 2024
Operating Summary
Cost of Revenue	13.89M	14.57M	12.33M	14.14M	15.69M
Operating Income	2.67M	4.26M	12.97M	-2.15M	4.13M
Pretax Income	3.28M	4.87M	13.59M	-1.52M	4.31M
Income Tax	1.01M	0.78M	0.70M	—	0.30M
Net Income	-5.91M	-7.24M	11.53M	-7.17M	0.90M
EPS (Basic)	-0.02	-0.03	0.04	-0.03	0.00
EPS (Diluted)	-0.02	-0.03	0.04	-0.03	0.00
Revenue & Income
Revenue Fin	38.46M	39.22M	45.86M	28.55M	44.53M
Revenue Growth (YoY)	-13.6%	+17.7%	+31.5%	+16.3%	+44.4%
Revenues Before Loan Losses	48.18M	46.50M	51.86M	38.93M	63.03M
Commissions And Fees	8.82M	10.96M	8.01M	8.22M	9.42M
Other Revenue Fin	-6.10M	-3.18M	2.46M	-0.91M	-11.97M
Earnings From Equity Investments	0.62M	0.62M	0.62M	0.64M	0.18M
Expenses & Provisions
Cost Of Services Provided	13.89M	14.57M	12.33M	14.14M	15.69M
Other Operating Expenses	-4.16M	-6.40M	0.89M	-10.68M	-0.91M
Total Operating Expenses Fin	35.79M	34.96M	32.88M	30.71M	40.40M
Provision for Loan Losses	9.73M	7.28M	6.00M	10.38M	18.50M
Salaries and Employee Benefits	22.54M	23.57M	16.61M	24.22M	22.92M
Profitability & Returns
EBT Excluding Unusual Items	3.28M	4.87M	13.59M	-1.52M	4.31M
Pretax Income	3.28M	4.87M	13.59M	-1.52M	4.31M
Operating Income	2.67M	4.26M	12.97M	-2.15M	4.13M
Operating Margin	+6.9%	+10.9%	+28.3%	-7.5%	+9.3%
Profit Margin	-15.4%	-18.5%	+25.1%	-25.1%	+2.0%
Net Income	1.24M	2.03M	11.53M	-2.61M	7.05M
Net Income to Common	-5.91M	-7.24M	11.53M	-7.17M	0.90M
Net Income Growth	-82.4%	-77.7%	+111.2%	—	-57.5%
Earnings From Continuing Ops.	2.28M	4.09M	12.89M	-1.52M	4.01M
Minority Interest in Earnings	-1.04M	-2.06M	-1.36M	-1.09M	3.04M
Income Tax Expense	1.01M	0.78M	0.70M	—	0.30M
Effective Tax Rate	+30.6%	+16.0%	+5.1%	—	+6.9%
Per Share & Capital
EPS (Basic)	-0.02	-0.03	0.04	-0.03	0.00
EPS (Diluted)	-0.02	-0.03	0.04	-0.03	0.00
EPS Growth	—	—	+988.8%	—	-88.9%
Shares Change (YoY)	—	—	-0.01	-0.01	0.02
Shares Outstanding (Basic)	270.80M	270.80M	270.80M	270.80M	270.80M
Shares Outstanding (Diluted)	270.80M	270.80M	270.80M	270.80M	270.80M
Free Cash Flow	177.29M	304.89M	134.31M	202.58M	-66.75M
Free Cash Flow Margin	+461.0%	+777.5%	+292.9%	+709.6%	-149.9%
Free Cash Flow Per Share	0.66	1.13	0.50	0.75	-0.25
Payout Ratio	+487.3%	+231.9%	+39.5%	—	+64.8%
Preferred Dividends & Other Adjustments	7.15M	9.27M	—	4.57M	6.15M
Supplemental
Int Exp Fin	22.05M	23.96M	21.41M	27.28M	25.42M
Int Inc Fin	67.51M	62.67M	62.80M	58.89M	91.00M
Net Int Inc Fin	45.46M	38.72M	41.38M	31.61M	65.58M

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Quarterly (AED)

1-5

	Q4 2025Dec 31, 2025	Q3 2025Sep 30, 2025	Q2 2025Jun 30, 2025	Q1 2025Mar 31, 2025	Q4 2024Dec 31, 2024
Operating Summary
Cost of Revenue	13.89M	14.57M	12.33M	14.14M	15.69M
Operating Income	2.67M	4.26M	12.97M	-2.15M	4.13M
Pretax Income	3.28M	4.87M	13.59M	-1.52M	4.31M
Income Tax	1.01M	0.78M	0.70M	—	0.30M
Net Income	-5.91M	-7.24M	11.53M	-7.17M	0.90M
EPS (Basic)	-0.02	-0.03	0.04	-0.03	0.00
EPS (Diluted)	-0.02	-0.03	0.04	-0.03	0.00
Revenue & Income
Revenue Fin	38.46M	39.22M	45.86M	28.55M	44.53M
Revenue Growth (YoY)	-13.6%	+17.7%	+31.5%	+16.3%	+44.4%
Revenues Before Loan Losses	48.18M	46.50M	51.86M	38.93M	63.03M
Commissions And Fees	8.82M	10.96M	8.01M	8.22M	9.42M
Other Revenue Fin	-6.10M	-3.18M	2.46M	-0.91M	-11.97M
Earnings From Equity Investments	0.62M	0.62M	0.62M	0.64M	0.18M
Expenses & Provisions
Cost Of Services Provided	13.89M	14.57M	12.33M	14.14M	15.69M
Other Operating Expenses	-4.16M	-6.40M	0.89M	-10.68M	-0.91M
Total Operating Expenses Fin	35.79M	34.96M	32.88M	30.71M	40.40M
Provision for Loan Losses	9.73M	7.28M	6.00M	10.38M	18.50M
Salaries and Employee Benefits	22.54M	23.57M	16.61M	24.22M	22.92M
Profitability & Returns
EBT Excluding Unusual Items	3.28M	4.87M	13.59M	-1.52M	4.31M
Pretax Income	3.28M	4.87M	13.59M	-1.52M	4.31M
Operating Income	2.67M	4.26M	12.97M	-2.15M	4.13M
Operating Margin	+6.9%	+10.9%	+28.3%	-7.5%	+9.3%
Profit Margin	-15.4%	-18.5%	+25.1%	-25.1%	+2.0%
Net Income	1.24M	2.03M	11.53M	-2.61M	7.05M
Net Income to Common	-5.91M	-7.24M	11.53M	-7.17M	0.90M
Net Income Growth	-82.4%	-77.7%	+111.2%	—	-57.5%
Earnings From Continuing Ops.	2.28M	4.09M	12.89M	-1.52M	4.01M
Minority Interest in Earnings	-1.04M	-2.06M	-1.36M	-1.09M	3.04M
Income Tax Expense	1.01M	0.78M	0.70M	—	0.30M
Effective Tax Rate	+30.6%	+16.0%	+5.1%	—	+6.9%
Per Share & Capital
EPS (Basic)	-0.02	-0.03	0.04	-0.03	0.00
EPS (Diluted)	-0.02	-0.03	0.04	-0.03	0.00
EPS Growth	—	—	+988.8%	—	-88.9%
Shares Change (YoY)	—	—	-0.01	-0.01	0.02
Shares Outstanding (Basic)	270.80M	270.80M	270.80M	270.80M	270.80M
Shares Outstanding (Diluted)	270.80M	270.80M	270.80M	270.80M	270.80M
Free Cash Flow	177.29M	304.89M	134.31M	202.58M	-66.75M
Free Cash Flow Margin	+461.0%	+777.5%	+292.9%	+709.6%	-149.9%
Free Cash Flow Per Share	0.66	1.13	0.50	0.75	-0.25
Payout Ratio	+487.3%	+231.9%	+39.5%	—	+64.8%
Preferred Dividends & Other Adjustments	7.15M	9.27M	—	4.57M	6.15M
Supplemental
Int Exp Fin	22.05M	23.96M	21.41M	27.28M	25.42M
Int Inc Fin	67.51M	62.67M	62.80M	58.89M	91.00M
Net Int Inc Fin	45.46M	38.72M	41.38M	31.61M	65.58M