AMLAK

Amlak Finance PJSC

AMLAKStocksDubai Financial MarketDiversified Financials

Financials

Income Statement Balance Sheet Cash Flow Ratios

Annual Semi-annual Quarterly

Semi-annual (AED)

1-5

	H2 2025Dec 31, 2025	H1 2025Jun 30, 2025	H2 2024Dec 31, 2024	H1 2024Jun 30, 2024	H2 2023Dec 31, 2023
Operating Summary
Revenue	—	158.04M	—	64.86M	171.18M
Cost of Revenue	—	96.75M	—	47.44M	103.10M
Operating Income	—	-16.05M	—	-6.84M	76.85M
Pretax Income	—	11.16M	—	-11.76M	125.26M
Income Tax	—	0.49M	—	-3.02M	3.70M
Net Income	—	16.42M	—	3.60M	120.16M
EPS (Basic)	—	0.01	—	0.00	0.08
EPS (Diluted)	—	0.01	—	0.00	0.06
Margins & Efficiency
Net Margin %	—	+10.4%	—	+5.6%	+70.2%
Revenue & Income
Revenue as Reported	—	158.04M	—	64.86M	171.18M
Revenue Fin	—	80.49M	—	39.79M	178.66M
Revenue Growth (YoY)	—	+102.3%	—	+6.5%	+75.1%
Revenues Before Loan Losses	—	79.00M	—	39.97M	76.38M
Commissions And Fees	—	—	—	—	2.24M
Other Revenue Fin	—	72.29M	—	19.71M	10.56M
Earnings From Equity Investments	—	57.31M	—	8.58M	—
Expenses & Provisions
Cost Of Services Provided	—	96.75M	—	47.44M	103.10M
Other Operating Expenses	—	-0.21M	—	-0.81M	-1.29M
Total Operating Expenses Fin	—	96.54M	—	46.63M	101.81M
Provision for Loan Losses	—	-1.49M	—	0.18M	-102.29M
Profitability & Returns
EBT Excluding Unusual Items	—	11.62M	—	-27.27M	35.96M
Pretax Income	—	11.16M	—	-11.76M	125.26M
Operating Income	—	-16.05M	—	-6.84M	76.85M
Operating Margin	—	-19.9%	—	-17.2%	+43.0%
Profit Margin	—	+20.4%	—	+9.1%	+67.3%
Net Income	—	18.53M	—	7.00M	121.56M
Net Income to Common	—	16.42M	—	3.60M	120.16M
Net Income to Company	—	18.53M	—	7.00M	121.56M
Net Income Growth	—	+164.9%	—	-94.9%	-42.1%
Earnings From Continuing Ops.	—	10.66M	—	-8.75M	121.56M
Earnings From Discontinued Ops.	—	7.87M	—	15.75M	—
Income Tax Expense	—	0.49M	—	-3.02M	3.70M
Per Share & Capital
EPS (Basic)	—	0.01	—	0.00	0.08
EPS (Diluted)	—	0.01	—	0.00	0.06
EPS Growth	—	+302.0%	—	-96.2%	-31.0%
Shares Change (YoY)	—	0.14	—	-0.31	-0.11
Shares Outstanding (Basic)	—	1.50B	—	1.50B	1.50B
Shares Outstanding (Diluted)	—	1.71B	—	1.50B	2.13B
Free Cash Flow	—	-130.13M	—	170.09M	123.60M
Free Cash Flow Margin	—	-161.7%	—	+427.4%	+69.2%
Free Cash Flow Per Share	—	-0.08	—	0.11	0.06
Preferred Dividends & Other Adjustments	—	2.11M	—	3.39M	1.40M
Supplemental
Int Inc Fin	—	3.40M	—	10.22M	63.58M
Net Int Inc Fin	—	3.40M	—	10.22M	63.58M
Other Unusual Items	—	0.31M	—	3.31M	24.27M

Income Statement Balance Sheet Cash Flow Ratios

Annual Semi-annual Quarterly

Semi-annual (AED)

1-5

	H2 2025Dec 31, 2025	H1 2025Jun 30, 2025	H2 2024Dec 31, 2024	H1 2024Jun 30, 2024	H2 2023Dec 31, 2023
Operating Summary
Revenue	—	158.04M	—	64.86M	171.18M
Cost of Revenue	—	96.75M	—	47.44M	103.10M
Operating Income	—	-16.05M	—	-6.84M	76.85M
Pretax Income	—	11.16M	—	-11.76M	125.26M
Income Tax	—	0.49M	—	-3.02M	3.70M
Net Income	—	16.42M	—	3.60M	120.16M
EPS (Basic)	—	0.01	—	0.00	0.08
EPS (Diluted)	—	0.01	—	0.00	0.06
Margins & Efficiency
Net Margin %	—	+10.4%	—	+5.6%	+70.2%
Revenue & Income
Revenue as Reported	—	158.04M	—	64.86M	171.18M
Revenue Fin	—	80.49M	—	39.79M	178.66M
Revenue Growth (YoY)	—	+102.3%	—	+6.5%	+75.1%
Revenues Before Loan Losses	—	79.00M	—	39.97M	76.38M
Commissions And Fees	—	—	—	—	2.24M
Other Revenue Fin	—	72.29M	—	19.71M	10.56M
Earnings From Equity Investments	—	57.31M	—	8.58M	—
Expenses & Provisions
Cost Of Services Provided	—	96.75M	—	47.44M	103.10M
Other Operating Expenses	—	-0.21M	—	-0.81M	-1.29M
Total Operating Expenses Fin	—	96.54M	—	46.63M	101.81M
Provision for Loan Losses	—	-1.49M	—	0.18M	-102.29M
Profitability & Returns
EBT Excluding Unusual Items	—	11.62M	—	-27.27M	35.96M
Pretax Income	—	11.16M	—	-11.76M	125.26M
Operating Income	—	-16.05M	—	-6.84M	76.85M
Operating Margin	—	-19.9%	—	-17.2%	+43.0%
Profit Margin	—	+20.4%	—	+9.1%	+67.3%
Net Income	—	18.53M	—	7.00M	121.56M
Net Income to Common	—	16.42M	—	3.60M	120.16M
Net Income to Company	—	18.53M	—	7.00M	121.56M
Net Income Growth	—	+164.9%	—	-94.9%	-42.1%
Earnings From Continuing Ops.	—	10.66M	—	-8.75M	121.56M
Earnings From Discontinued Ops.	—	7.87M	—	15.75M	—
Income Tax Expense	—	0.49M	—	-3.02M	3.70M
Per Share & Capital
EPS (Basic)	—	0.01	—	0.00	0.08
EPS (Diluted)	—	0.01	—	0.00	0.06
EPS Growth	—	+302.0%	—	-96.2%	-31.0%
Shares Change (YoY)	—	0.14	—	-0.31	-0.11
Shares Outstanding (Basic)	—	1.50B	—	1.50B	1.50B
Shares Outstanding (Diluted)	—	1.71B	—	1.50B	2.13B
Free Cash Flow	—	-130.13M	—	170.09M	123.60M
Free Cash Flow Margin	—	-161.7%	—	+427.4%	+69.2%
Free Cash Flow Per Share	—	-0.08	—	0.11	0.06
Preferred Dividends & Other Adjustments	—	2.11M	—	3.39M	1.40M
Supplemental
Int Inc Fin	—	3.40M	—	10.22M	63.58M
Net Int Inc Fin	—	3.40M	—	10.22M	63.58M
Other Unusual Items	—	0.31M	—	3.31M	24.27M