AMLAK

Amlak Finance PJSC

AMLAKStocksDubai Financial MarketDiversified Financials

Financials

Income Statement Balance Sheet Cash Flow Ratios

Annual Semi-annual Quarterly

Annual (AED)

1-5

	2025Dec 31, 2025	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022	2021Dec 31, 2021
Operating Summary
Revenue	3.12B	0.23B	0.45B	0.55B	1.21B
Cost of Revenue	905.72M	173.61M	148.64M	105.55M	143.79M
Operating Income	2.12B	-0.05B	0.07B	0.21B	0.16B
Pretax Income	1.66B	-0.00B	0.28B	0.48B	1.06B
Income Tax	191.86M	-0.36M	20.11M	1.66M	—
Net Income	1.47B	0.01B	0.26B	0.48B	1.06B
EPS (Basic)	0.98	0.00	0.17	0.32	0.71
EPS (Diluted)	0.92	0.00	0.12	0.19	0.38
Margins & Efficiency
Net Margin %	+47.1%	+3.0%	+57.1%	+86.2%	+87.7%
Revenue & Income
Revenue as Reported	3.12B	0.23B	0.45B	0.55B	1.21B
Revenue Fin	3.02B	0.12B	0.22B	0.28B	0.30B
Revenue Growth (YoY)	+2,495.0%	-46.1%	-23.4%	-6.6%	+1,648.3%
Revenues Before Loan Losses	3.02B	0.12B	0.14B	0.15B	0.19B
Commissions And Fees	—	—	3.72M	3.51M	8.53M
Other Revenue Fin	2.97B	0.10B	0.02B	0.02B	0.02B
Earnings From Equity Investments	77.79M	35.14M	—	—	—
Gain (Loss) on Sale of Investments	-3.15M	—	—	—	—
Gain Invest Rev Fin	—	—	—	—	—
Currency Exchange Gain (Loss)	-477.65M	—	—	—	—
Expenses & Provisions
Cost Of Services Provided	905.72M	173.61M	148.64M	105.55M	143.79M
Other Operating Expenses	-0.21M	-2.29M	-4.11M	-29.79M	-5.60M
Total Operating Expenses Fin	905.51M	171.32M	144.53M	75.76M	138.19M
Provision for Loan Losses	—	—	-73.71M	-128.20M	-116.32M
Profitability & Returns
EBT Excluding Unusual Items	1.66B	-0.09B	-0.01B	0.10B	0.04B
Pretax Income	1.66B	-0.00B	0.28B	0.48B	1.06B
Operating Income	2.12B	-0.05B	0.07B	0.21B	0.16B
Operating Margin	+70.1%	-47.0%	+33.1%	+73.1%	+54.2%
Profit Margin	+48.5%	+6.1%	+119.4%	+168.6%	+350.9%
Net Income	1.47B	0.01B	0.26B	0.48B	1.06B
Net Income to Common	1.47B	0.01B	0.26B	0.48B	1.06B
Net Income to Company	1.47B	0.01B	0.26B	0.48B	1.06B
Net Income Growth	+11,674.1%	-95.2%	-45.5%	-55.1%	—
Earnings From Continuing Ops.	1.47B	-0.00B	0.26B	0.48B	1.06B
Earnings From Discontinued Ops.	-0.61M	16.87M	—	—	—
Minority Interest in Earnings	—	—	—	—	—
Income Tax Expense	191.86M	-0.36M	20.11M	1.66M	—
Effective Tax Rate	+11.5%	—	+7.2%	+0.3%	—
Per Share & Capital
EPS (Basic)	0.98	0.00	0.17	0.32	0.71
EPS (Diluted)	0.92	0.00	0.12	0.19	0.38
EPS Growth	+19,288.5%	-96.1%	-36.8%	-50.0%	—
Shares Change (YoY)	-0.23	-0.04	-0.12	-0.12	0.87
Shares Outstanding (Basic)	1.50B	1.50B	1.50B	1.50B	1.50B
Shares Outstanding (Diluted)	1.60B	2.08B	2.16B	2.44B	2.78B
Free Cash Flow	2.78B	0.27B	0.26B	0.48B	0.47B
Free Cash Flow Margin	+92.0%	+231.1%	+119.2%	+170.6%	+156.1%
Free Cash Flow Per Share	1.74	0.13	0.12	0.20	0.17
Preferred Dividends & Other Adjustments	2.11M	5.40M	1.40M	0.68M	—
Supplemental
Int Inc Fin	51.60M	20.97M	122.26M	126.58M	156.87M
Net Int Inc Fin	51.60M	20.97M	122.26M	126.58M	156.87M
Other Unusual Items	0.00B	0.05B	0.18B	0.35B	1.01B

Income Statement Balance Sheet Cash Flow Ratios

Annual Semi-annual Quarterly

Annual (AED)

1-5

	2025Dec 31, 2025	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022	2021Dec 31, 2021
Operating Summary
Revenue	3.12B	0.23B	0.45B	0.55B	1.21B
Cost of Revenue	905.72M	173.61M	148.64M	105.55M	143.79M
Operating Income	2.12B	-0.05B	0.07B	0.21B	0.16B
Pretax Income	1.66B	-0.00B	0.28B	0.48B	1.06B
Income Tax	191.86M	-0.36M	20.11M	1.66M	—
Net Income	1.47B	0.01B	0.26B	0.48B	1.06B
EPS (Basic)	0.98	0.00	0.17	0.32	0.71
EPS (Diluted)	0.92	0.00	0.12	0.19	0.38
Margins & Efficiency
Net Margin %	+47.1%	+3.0%	+57.1%	+86.2%	+87.7%
Revenue & Income
Revenue as Reported	3.12B	0.23B	0.45B	0.55B	1.21B
Revenue Fin	3.02B	0.12B	0.22B	0.28B	0.30B
Revenue Growth (YoY)	+2,495.0%	-46.1%	-23.4%	-6.6%	+1,648.3%
Revenues Before Loan Losses	3.02B	0.12B	0.14B	0.15B	0.19B
Commissions And Fees	—	—	3.72M	3.51M	8.53M
Other Revenue Fin	2.97B	0.10B	0.02B	0.02B	0.02B
Earnings From Equity Investments	77.79M	35.14M	—	—	—
Gain (Loss) on Sale of Investments	-3.15M	—	—	—	—
Gain Invest Rev Fin	—	—	—	—	—
Currency Exchange Gain (Loss)	-477.65M	—	—	—	—
Expenses & Provisions
Cost Of Services Provided	905.72M	173.61M	148.64M	105.55M	143.79M
Other Operating Expenses	-0.21M	-2.29M	-4.11M	-29.79M	-5.60M
Total Operating Expenses Fin	905.51M	171.32M	144.53M	75.76M	138.19M
Provision for Loan Losses	—	—	-73.71M	-128.20M	-116.32M
Profitability & Returns
EBT Excluding Unusual Items	1.66B	-0.09B	-0.01B	0.10B	0.04B
Pretax Income	1.66B	-0.00B	0.28B	0.48B	1.06B
Operating Income	2.12B	-0.05B	0.07B	0.21B	0.16B
Operating Margin	+70.1%	-47.0%	+33.1%	+73.1%	+54.2%
Profit Margin	+48.5%	+6.1%	+119.4%	+168.6%	+350.9%
Net Income	1.47B	0.01B	0.26B	0.48B	1.06B
Net Income to Common	1.47B	0.01B	0.26B	0.48B	1.06B
Net Income to Company	1.47B	0.01B	0.26B	0.48B	1.06B
Net Income Growth	+11,674.1%	-95.2%	-45.5%	-55.1%	—
Earnings From Continuing Ops.	1.47B	-0.00B	0.26B	0.48B	1.06B
Earnings From Discontinued Ops.	-0.61M	16.87M	—	—	—
Minority Interest in Earnings	—	—	—	—	—
Income Tax Expense	191.86M	-0.36M	20.11M	1.66M	—
Effective Tax Rate	+11.5%	—	+7.2%	+0.3%	—
Per Share & Capital
EPS (Basic)	0.98	0.00	0.17	0.32	0.71
EPS (Diluted)	0.92	0.00	0.12	0.19	0.38
EPS Growth	+19,288.5%	-96.1%	-36.8%	-50.0%	—
Shares Change (YoY)	-0.23	-0.04	-0.12	-0.12	0.87
Shares Outstanding (Basic)	1.50B	1.50B	1.50B	1.50B	1.50B
Shares Outstanding (Diluted)	1.60B	2.08B	2.16B	2.44B	2.78B
Free Cash Flow	2.78B	0.27B	0.26B	0.48B	0.47B
Free Cash Flow Margin	+92.0%	+231.1%	+119.2%	+170.6%	+156.1%
Free Cash Flow Per Share	1.74	0.13	0.12	0.20	0.17
Preferred Dividends & Other Adjustments	2.11M	5.40M	1.40M	0.68M	—
Supplemental
Int Inc Fin	51.60M	20.97M	122.26M	126.58M	156.87M
Net Int Inc Fin	51.60M	20.97M	122.26M	126.58M	156.87M
Other Unusual Items	0.00B	0.05B	0.18B	0.35B	1.01B