ALRAMZ

Al Ramz Corporation Investment & Development PJSC

ALRAMZStocksDubai Financial MarketDiversified Financials

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
Revenue	45.17M	47.53M	36.08M	30.61M	26.74M
Operating Income	17.24M	14.78M	13.33M	7.56M	7.48M
Interest Income	21.42M	22.36M	20.67M	19.44M	18.94M
Pretax Income	17.24M	14.78M	13.33M	7.56M	7.48M
Income Tax	1.37M	1.23M	1.22M	0.84M	0.74M
Net Income	15.87M	13.55M	12.11M	6.72M	6.75M
Net Interest Income	14.91M	15.28M	13.84M	11.75M	11.04M
Broker Commission	11.08M	17.39M	13.32M	9.56M	9.11M
EPS (Basic)	0.03	0.02	0.02	0.01	0.01
EPS (Diluted)	0.03	0.02	0.02	0.01	0.01
Margins & Efficiency
Net Margin %	+35.1%	+28.5%	+33.6%	+22.0%	+25.2%
Revenue & Income
Revenue	45.17M	47.53M	36.08M	30.61M	26.74M
Revenue Growth (YoY)	+68.9%	+50.4%	+83.3%	+42.3%	-28.5%
Revenues Before Loan Losses	45.17M	47.53M	36.08M	30.61M	26.98M
Broker Commission	11.08M	17.39M	13.32M	9.56M	9.11M
Inv Banking Fee	11.09M	12.72M	8.16M	6.87M	9.06M
Gain Invest Rev	8.09M	2.14M	0.75M	2.43M	-2.23M
Expenses & Provisions
Cost Of Services Provided	6.06M	8.36M	6.48M	7.02M	7.49M
Total Operating Expenses CM	27.92M	32.75M	22.75M	23.05M	19.26M
Provision for Loan Losses	—	—	—	—	0.24M
Salaries and Employee Benefits	20.10M	23.18M	15.23M	14.75M	9.74M
Profitability & Returns
EBT Excluding Unusual Items	17.24M	14.78M	13.33M	7.56M	7.48M
Pretax Income	17.24M	14.78M	13.33M	7.56M	7.48M
Operating Income	17.24M	14.78M	13.33M	7.56M	7.48M
Operating Margin	+38.2%	+31.1%	+37.0%	+24.7%	+28.0%
Profit Margin	+35.1%	+28.5%	+33.6%	+22.0%	+25.2%
Net Income	15.87M	13.55M	12.11M	6.72M	6.75M
Net Income to Common	15.87M	13.55M	12.11M	6.72M	6.75M
Net Income Growth	+135.3%	+97.9%	+1,521.2%	+317.4%	-62.6%
Income Tax Expense	1.37M	1.23M	1.22M	0.84M	0.74M
Effective Tax Rate	+7.9%	+8.3%	+9.2%	+11.0%	+9.9%
Per Share & Capital
EPS (Basic)	0.03	0.02	0.02	0.01	0.01
EPS (Diluted)	0.03	0.02	0.02	0.01	0.01
EPS Growth	+135.3%	+97.9%	+1,521.6%	+317.4%	-62.6%
Dividend Per Share	—	—	—	—	—
Shares Change (YoY)	—	—	—	—	—
Shares Outstanding (Basic)	549.92M	549.92M	549.92M	549.92M	549.92M
Shares Outstanding (Diluted)	549.92M	549.92M	549.92M	549.92M	549.92M
Dividend Growth	—	—	—	—	—
Free Cash Flow	-54.78M	-289.61M	572.77M	-29.89M	-46.22M
Free Cash Flow Margin	-121.3%	-609.4%	+1,587.6%	-97.6%	-172.9%
Free Cash Flow Per Share	-0.10	-0.53	1.04	-0.05	-0.08
Payout Ratio	—	—	—	—	—
Supplemental
Int Exp CM	6.51M	7.08M	6.83M	7.69M	7.90M
Int Inc CM	21.42M	22.36M	20.67M	19.44M	18.94M
Net Int Inc CM	14.91M	15.28M	13.84M	11.75M	11.04M

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
Revenue	45.17M	47.53M	36.08M	30.61M	26.74M
Operating Income	17.24M	14.78M	13.33M	7.56M	7.48M
Interest Income	21.42M	22.36M	20.67M	19.44M	18.94M
Pretax Income	17.24M	14.78M	13.33M	7.56M	7.48M
Income Tax	1.37M	1.23M	1.22M	0.84M	0.74M
Net Income	15.87M	13.55M	12.11M	6.72M	6.75M
Net Interest Income	14.91M	15.28M	13.84M	11.75M	11.04M
Broker Commission	11.08M	17.39M	13.32M	9.56M	9.11M
EPS (Basic)	0.03	0.02	0.02	0.01	0.01
EPS (Diluted)	0.03	0.02	0.02	0.01	0.01
Margins & Efficiency
Net Margin %	+35.1%	+28.5%	+33.6%	+22.0%	+25.2%
Revenue & Income
Revenue	45.17M	47.53M	36.08M	30.61M	26.74M
Revenue Growth (YoY)	+68.9%	+50.4%	+83.3%	+42.3%	-28.5%
Revenues Before Loan Losses	45.17M	47.53M	36.08M	30.61M	26.98M
Broker Commission	11.08M	17.39M	13.32M	9.56M	9.11M
Inv Banking Fee	11.09M	12.72M	8.16M	6.87M	9.06M
Gain Invest Rev	8.09M	2.14M	0.75M	2.43M	-2.23M
Expenses & Provisions
Cost Of Services Provided	6.06M	8.36M	6.48M	7.02M	7.49M
Total Operating Expenses CM	27.92M	32.75M	22.75M	23.05M	19.26M
Provision for Loan Losses	—	—	—	—	0.24M
Salaries and Employee Benefits	20.10M	23.18M	15.23M	14.75M	9.74M
Profitability & Returns
EBT Excluding Unusual Items	17.24M	14.78M	13.33M	7.56M	7.48M
Pretax Income	17.24M	14.78M	13.33M	7.56M	7.48M
Operating Income	17.24M	14.78M	13.33M	7.56M	7.48M
Operating Margin	+38.2%	+31.1%	+37.0%	+24.7%	+28.0%
Profit Margin	+35.1%	+28.5%	+33.6%	+22.0%	+25.2%
Net Income	15.87M	13.55M	12.11M	6.72M	6.75M
Net Income to Common	15.87M	13.55M	12.11M	6.72M	6.75M
Net Income Growth	+135.3%	+97.9%	+1,521.2%	+317.4%	-62.6%
Income Tax Expense	1.37M	1.23M	1.22M	0.84M	0.74M
Effective Tax Rate	+7.9%	+8.3%	+9.2%	+11.0%	+9.9%
Per Share & Capital
EPS (Basic)	0.03	0.02	0.02	0.01	0.01
EPS (Diluted)	0.03	0.02	0.02	0.01	0.01
EPS Growth	+135.3%	+97.9%	+1,521.6%	+317.4%	-62.6%
Dividend Per Share	—	—	—	—	—
Shares Change (YoY)	—	—	—	—	—
Shares Outstanding (Basic)	549.92M	549.92M	549.92M	549.92M	549.92M
Shares Outstanding (Diluted)	549.92M	549.92M	549.92M	549.92M	549.92M
Dividend Growth	—	—	—	—	—
Free Cash Flow	-54.78M	-289.61M	572.77M	-29.89M	-46.22M
Free Cash Flow Margin	-121.3%	-609.4%	+1,587.6%	-97.6%	-172.9%
Free Cash Flow Per Share	-0.10	-0.53	1.04	-0.05	-0.08
Payout Ratio	—	—	—	—	—
Supplemental
Int Exp CM	6.51M	7.08M	6.83M	7.69M	7.90M
Int Inc CM	21.42M	22.36M	20.67M	19.44M	18.94M
Net Int Inc CM	14.91M	15.28M	13.84M	11.75M	11.04M