ALRAMZ

Al Ramz Corporation Investment & Development PJSC

ALRAMZStocksDubai Financial MarketDiversified Financials

Financials

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Annual (AED)

1-5

	2025Dec 31, 2025	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022	2021Dec 31, 2021
Operating Summary
Revenue	159.38M	99.52M	118.53M	103.05M	120.95M
Operating Income	52.91M	17.60M	40.03M	32.49M	54.52M
Interest Income	83.89M	71.86M	57.44M	34.65M	27.00M
Pretax Income	52.91M	17.60M	40.03M	32.49M	54.52M
Income Tax	4.65M	1.65M	0.35M	—	—
Net Income	48.26M	15.95M	39.67M	32.49M	54.52M
Net Interest Income	55.78M	46.14M	46.26M	29.39M	22.06M
Broker Commission	51.35M	27.66M	32.76M	42.81M	43.55M
EPS (Basic)	0.09	0.03	0.07	0.06	0.10
EPS (Diluted)	0.09	0.03	0.07	0.06	0.10
DPS	0.07	—	0.06	0.06	0.06
Margins & Efficiency
Net Margin %	+30.3%	+16.0%	+33.5%	+31.5%	+45.1%
Revenue & Income
Revenue	159.38M	99.52M	118.53M	103.05M	120.95M
Revenue Growth (YoY)	+60.2%	-16.0%	+15.0%	-14.8%	+280.5%
Revenues Before Loan Losses	159.38M	99.86M	118.68M	103.42M	124.89M
Broker Commission	51.35M	27.66M	32.76M	42.81M	43.55M
Inv Banking Fee	38.84M	23.64M	20.05M	37.52M	34.03M
Gain Invest Rev	13.41M	2.43M	19.61M	-6.30M	25.25M
Expenses & Provisions
Cost Of Services Provided	27.69M	25.16M	16.25M	70.55M	66.43M
Total Operating Expenses CM	106.47M	81.92M	78.50M	70.55M	66.43M
Provision for Loan Losses	—	0.35M	0.16M	0.37M	3.94M
Salaries and Employee Benefits	73.27M	50.33M	56.99M	—	—
Profitability & Returns
Pretax Income	52.91M	17.60M	40.03M	32.49M	54.52M
Operating Income	52.91M	17.60M	40.03M	32.49M	54.52M
Operating Margin	+33.2%	+17.7%	+33.8%	+31.5%	+45.1%
Profit Margin	+30.3%	+16.0%	+33.5%	+31.5%	+45.1%
Net Income	48.26M	15.95M	39.67M	32.49M	54.52M
Net Income to Common	48.26M	15.95M	39.67M	32.49M	54.52M
Net Income Growth	+202.5%	-59.8%	+22.1%	-40.4%	—
Income Tax Expense	4.65M	1.65M	0.35M	—	—
Effective Tax Rate	+8.8%	+9.4%	+0.9%	—	—
Per Share & Capital
EPS (Basic)	0.09	0.03	0.07	0.06	0.10
EPS (Diluted)	0.09	0.03	0.07	0.06	0.10
EPS Growth	+202.5%	-59.8%	+11.5%	-38.2%	—
Dividend Per Share	0.07	—	0.06	0.06	0.06
Shares Change (YoY)	—	—	0.09	-0.03	-0.05
Shares Outstanding (Basic)	549.92M	549.92M	549.92M	502.30M	520.43M
Shares Outstanding (Diluted)	549.92M	549.92M	549.92M	502.30M	520.43M
Free Cash Flow	198.49M	-7.34M	-153.82M	-48.02M	81.15M
Free Cash Flow Margin	+124.5%	-7.4%	-129.8%	-46.6%	+67.1%
Free Cash Flow Per Share	0.36	-0.01	-0.28	-0.10	0.16
Payout Ratio	—	+206.9%	+83.2%	+61.3%	+19.6%
Supplemental
Int Exp CM	28.11M	25.72M	11.18M	5.26M	4.94M
Int Inc CM	83.89M	71.86M	57.44M	34.65M	27.00M
Net Int Inc CM	55.78M	46.14M	46.26M	29.39M	22.06M

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Annual (AED)

1-5

	2025Dec 31, 2025	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022	2021Dec 31, 2021
Operating Summary
Revenue	159.38M	99.52M	118.53M	103.05M	120.95M
Operating Income	52.91M	17.60M	40.03M	32.49M	54.52M
Interest Income	83.89M	71.86M	57.44M	34.65M	27.00M
Pretax Income	52.91M	17.60M	40.03M	32.49M	54.52M
Income Tax	4.65M	1.65M	0.35M	—	—
Net Income	48.26M	15.95M	39.67M	32.49M	54.52M
Net Interest Income	55.78M	46.14M	46.26M	29.39M	22.06M
Broker Commission	51.35M	27.66M	32.76M	42.81M	43.55M
EPS (Basic)	0.09	0.03	0.07	0.06	0.10
EPS (Diluted)	0.09	0.03	0.07	0.06	0.10
DPS	0.07	—	0.06	0.06	0.06
Margins & Efficiency
Net Margin %	+30.3%	+16.0%	+33.5%	+31.5%	+45.1%
Revenue & Income
Revenue	159.38M	99.52M	118.53M	103.05M	120.95M
Revenue Growth (YoY)	+60.2%	-16.0%	+15.0%	-14.8%	+280.5%
Revenues Before Loan Losses	159.38M	99.86M	118.68M	103.42M	124.89M
Broker Commission	51.35M	27.66M	32.76M	42.81M	43.55M
Inv Banking Fee	38.84M	23.64M	20.05M	37.52M	34.03M
Gain Invest Rev	13.41M	2.43M	19.61M	-6.30M	25.25M
Expenses & Provisions
Cost Of Services Provided	27.69M	25.16M	16.25M	70.55M	66.43M
Total Operating Expenses CM	106.47M	81.92M	78.50M	70.55M	66.43M
Provision for Loan Losses	—	0.35M	0.16M	0.37M	3.94M
Salaries and Employee Benefits	73.27M	50.33M	56.99M	—	—
Profitability & Returns
Pretax Income	52.91M	17.60M	40.03M	32.49M	54.52M
Operating Income	52.91M	17.60M	40.03M	32.49M	54.52M
Operating Margin	+33.2%	+17.7%	+33.8%	+31.5%	+45.1%
Profit Margin	+30.3%	+16.0%	+33.5%	+31.5%	+45.1%
Net Income	48.26M	15.95M	39.67M	32.49M	54.52M
Net Income to Common	48.26M	15.95M	39.67M	32.49M	54.52M
Net Income Growth	+202.5%	-59.8%	+22.1%	-40.4%	—
Income Tax Expense	4.65M	1.65M	0.35M	—	—
Effective Tax Rate	+8.8%	+9.4%	+0.9%	—	—
Per Share & Capital
EPS (Basic)	0.09	0.03	0.07	0.06	0.10
EPS (Diluted)	0.09	0.03	0.07	0.06	0.10
EPS Growth	+202.5%	-59.8%	+11.5%	-38.2%	—
Dividend Per Share	0.07	—	0.06	0.06	0.06
Shares Change (YoY)	—	—	0.09	-0.03	-0.05
Shares Outstanding (Basic)	549.92M	549.92M	549.92M	502.30M	520.43M
Shares Outstanding (Diluted)	549.92M	549.92M	549.92M	502.30M	520.43M
Free Cash Flow	198.49M	-7.34M	-153.82M	-48.02M	81.15M
Free Cash Flow Margin	+124.5%	-7.4%	-129.8%	-46.6%	+67.1%
Free Cash Flow Per Share	0.36	-0.01	-0.28	-0.10	0.16
Payout Ratio	—	+206.9%	+83.2%	+61.3%	+19.6%
Supplemental
Int Exp CM	28.11M	25.72M	11.18M	5.26M	4.94M
Int Inc CM	83.89M	71.86M	57.44M	34.65M	27.00M
Net Int Inc CM	55.78M	46.14M	46.26M	29.39M	22.06M