DFM/AMLAK (DFM/AMLAK)

Dubai Financial Market: DFM/AMLAK · AED

AED 1.09

-0.01 (-0.9%)· Recorded snapshot

Market cap	1.6B
Revenue (ttm)	3B
Net income (ttm)	1.5B
EPS (ttm)	AED 1.02
Shares out	1.5B
P/E (trailing)	1.1x
Dividend	AED 0.49 (44.95%)
Volume	663,516
Beta	-0.39

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 3B
Net income (ttm): 1.5B
EPS (ttm): AED 1.02
P/E (trailing): 1.1x
Market cap: 1.6B

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-29 13:30 UTC

Forward P/En/a

P25 n/aP50 n/aP75 n/a

Trailing P/E1.1

P25 n/aP50 n/aP75 n/a

ROE82

P25 n/aP50 n/aP75 n/a

ROIC66

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

S&P 500+0.5%

Nasdaq Composite-2.4%

Dow Jones Industrial Average+1.8%

Russell 2000+1.8%

All DFM/AMLAK indicators

Market & fundamental data

Available fields

200

Groups with data

Currency

AED

Showing 200 of 200 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Amount currency	AED
Country	United Arab Emirates
Country code	AE
Earnings date	2026-11-11
Exchange	Dubai Financial Market
Financial currency	AED
Financial report date	2026-06-30
First seen	2026-05-10
Fiscal year end	December
Founded	2000
Industry	Financial - Credit Services
Is primary listing	Yes
ISIN number	AEA001201010
Last earnings date	2025-11-12
Last refreshed	2026-10-29
Market cap	AED 1.6B
Next earnings date	2026-11-11
Price	AED 1.09
Price currency	AED
Sector	Financials
SIC code	6141
Stock price date	2026-10-29
Symbol	dfm/AMLAK
Website	https://www.amlakfinance.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Average P/E ratio (10Y)	45.7x
Average P/E ratio (3Y)	83.68x
Average P/E ratio (5Y)	50.85x
Earnings yield	93.44%
FCF yield	189.15%
Graham number	6.13333
Graham upside	457.58%
Lynch fair value	AED 25.46
Lynch upside	2,214.71%
P/B ratio	0.67x
P/E ratio	1.07x
P/FCF ratio	0.53x
P/OCF ratio	0.53x
P/S ratio	0.56x
Price / tangible book value	0.67x
Sector forward P/E	7.66x
Sector P/E	8.02x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
Effective tax rate	11.81%
FCF margin	105.28%
Gross margin	71.19%
Operating margin	71.17%
Pretax margin	57.23%
Profit margin	51.58%
ROA	58.64%
ROA (5Y)	19.43%
ROE	82%
ROE (5Y)	52.92%
ROIC	66.03%
ROIC (5Y)	21.92%
Tax / revenue	6.76%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
EPS growth	8,108.85%
EPS growth (QoQ)	-53.23%
EPS growth 10Y	27.9%
EPS growth 3Y	90.94%
FCF growth (QoQ)	-36.73%
FCF growth 3Y	116.83%
FCF growth 5Y	70.68%
Net income growth	6,264.65%
Net income growth (QoQ)	-53.12%
Net income growth 3Y	63.92%
OCF growth (QoQ)	-36.8%
OCF growth 10Y	18.87%
OCF growth 3Y	116.53%
OCF growth 5Y	70.41%
Operating income growth (Q)	-57.1%
Operating income growth 3Y	232.2%
Revenue growth	1,329.23%
Revenue growth (Q)	-68.06%
Revenue growth (QoQ)	-40.39%
Revenue growth 10Y	15.32%
Revenue growth 3Y	177.03%
Revenue growth 5Y	106.94%

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
Capital expenditures	AED -312,000
Depreciation and amortization	AED 719,000
EPS	AED 1.02
FCF per share	AED 2.08
Financing cash flow	AED -1.7B
Free cash flow	AED 3.1B
Gross profit	AED 2.1B
Income taxes	AED 200.4M
Investing cash flow	AED 621.2M
Net borrowing	AED -17.8M
Net cash flow	AED 2.1B
Net income	AED 1.5B
Operating income	AED 2.1B
Revenue	AED 3B

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Book value per share	AED 1.64
Debt / equity	0
Net cash (debt)	AED 65.5M
Net cash / market cap	3.97%
Net debt / equity	-0.03
Net debt / FCF	-0.02
Piotroski F-Score	6
Property, plant and equipment	AED 2.3M
Shareholders' equity	AED 2.5B
Tangible book value	AED 2.5B
Tangible book value per share	AED 1.64
Total assets	AED 2.7B
Total cash	AED 65.5M
Total debt	AED 0
Total liabilities	AED 285.6M
WACC	2.1%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Asset turnover	1.16
Current ratio	13.75
Quick ratio	1.25
Working capital	AED 2.4B
Working capital turnover	2.52

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback yield / dilution	6.46%
Dividend growth	0%
Dividend growth years	0
Dividend payment date	2026-05-15
Dividend payment years	1
Dividend per share	AED 0.49
Dividend yield	44.95%
Ex-dividend date	2026-05-01
FCF payout ratio	23.55%
Last dividend	AED 0.49
Payout ratio	48.07%
Shareholder yield	51.01%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y price change	-6.84%
10Y return CAGR	2.3%
10Y total return	25.54%
150-day SMA	AED 1.34
1D price change	-0.91%
1M price change	-8.4%
1M total return	-8.4%
1W price change	-4.8%
1W total return	-4.8%
1Y price change	-38.07%
1Y return CAGR	-16.56%
1Y total return	-16.55%
20-day SMA	AED 1.15
200-day SMA	AED 1.42
20Y price change	-84.78%
20Y return CAGR	-7.51%
20Y total return	-79%
3M price change	-6.84%
3M total return	-6.84%
3Y price change	43.05%
3Y return CAGR	24.45%
3Y total return	92.76%
50-day SMA	AED 1.18
50-day SMA vs 200-day SMA	50under200
52-week high	AED 1.93
52-week high date	2026-04-30
52-week low	AED 1.06
52-week low date	2026-10-26
5Y price change	308.24%
5Y return CAGR	40.64%
5Y total return	450.11%
6M price change	-40.11%
6M total return	-19.3%
All-time high	AED 16.00
All-time high date	2005-07-04
All-time low	AED 0.20
All-time low date	2020-03-17
Average true range (ATR)	AED 0.03
Average volume	981.6K
Beta (1Y)	-0.03
Beta (2Y)	0.16
Beta (5Y)	-0.39
Change from 52-week high	-43.52%
Change from 52-week low	2.83%
Change from all-time high	-93.19%
Change from all-time low	445%
Change from open	-0.91%
Day's gap	0%
Dollar volume	AED 723,232
High price	AED 1.12
Low price	AED 1.09
Monthly RSI	43.67
Open price	AED 1.10
Position in 52-week range	16.67%
Previous close	AED 1.10
Price vs 150-day SMA	-18.47%
Price vs 20-day SMA	-5.13%
Price vs 200-day SMA	-23.19%
Price vs 50-day SMA	-7.23%
Relative volume	0.68
RSI	28.62
Sharpe ratio	-0.26
Sharpe ratio (3Y)	0.68
Sharpe ratio (5Y)	0.85
Sortino ratio	-0.31
Sortino ratio (3Y)	1.5
Sortino ratio (5Y)	1.73
Volume	663.5K
Weekly RSI	31.13
YTD price change	-35.12%
YTD total return	-12.57%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	825M
Shares change (QoQ)	0%
Shares change (YoY)	-6.46%
Shares held by insiders	0%
Shares held by institutions	1.19%
Shares outstanding	1.5B

Deeper analysis on DFM/AMLAK

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

→

Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

→

Sensitivity

Cost-of-equity and terminal-growth stress table.

→

Risks

Kill scenarios, soft-pass flags, and downside catalysts.

→

Earnings

Next earnings setup and beat / inline / miss thresholds.

→

Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

→

Financials

Revenue, margins, cash flow, and balance-sheet context.

→

Peers

Relative valuation and profitability against the cohort.

→

Moat

Economic-profit evidence and competitive advantage risk.

→

Industry cycle

Sector phase, capital cycle, and secular tailwinds.

→

Scorecard

Six-factor overlay and 9-category weighted scorecard.

→

Recommendation

Final action, action steps, opportunity, and biggest risk.

→

Perspectives

Growth, value, and income investor reads.

→

Frequently asked questions

About this DFM/AMLAK report

Is a complete DFM/AMLAK research report available?

No complete published report is available for dfm/AMLAK (DFM/AMLAK) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

Market cap

1.6B

Revenue (ttm)

Net income (ttm)

1.5B

EPS (ttm)

AED 1.02

Shares out

1.5B

P/E (trailing)

1.1x

Dividend

AED 0.49 (44.95%)

Volume

663,516

Beta

-0.39

Metric

Value

Amount currency

AED

Country

United Arab Emirates

Country code

Earnings date

2026-11-11

Exchange

Dubai Financial Market

Financial currency

AED

Financial report date

2026-06-30

First seen

2026-05-10

Fiscal year end

December

Founded

2000

Industry

Financial - Credit Services

Is primary listing

Yes

ISIN number

AEA001201010

Last earnings date

2025-11-12

Last refreshed

2026-10-29

Market cap

AED 1.6B

Next earnings date

2026-11-11

Price

AED 1.09

Price currency

AED

Sector

Financials

SIC code

6141

Stock price date

2026-10-29

Symbol

dfm/AMLAK

Website

https://www.amlakfinance.com

Metric

Value

Average P/E ratio (10Y)

45.7x

Average P/E ratio (3Y)

83.68x

Average P/E ratio (5Y)

50.85x

Earnings yield

93.44%

FCF yield

189.15%

Graham number

6.13333

Graham upside

457.58%

Lynch fair value

AED 25.46

Lynch upside

2,214.71%

P/B ratio

0.67x

P/E ratio

1.07x

P/FCF ratio

0.53x

P/OCF ratio

0.53x

P/S ratio

0.56x

Price / tangible book value

0.67x

Sector forward P/E

7.66x

Sector P/E

8.02x

Metric

Value

Effective tax rate

11.81%

FCF margin

105.28%

Gross margin

71.19%

Operating margin

71.17%

Pretax margin

57.23%

Profit margin

51.58%

ROA

58.64%

ROA (5Y)

19.43%

ROE

82%

ROE (5Y)

52.92%

ROIC

66.03%

ROIC (5Y)

21.92%

Tax / revenue

6.76%

Metric

Value

EPS growth

8,108.85%

EPS growth (QoQ)

-53.23%

EPS growth 10Y

27.9%

EPS growth 3Y

90.94%

FCF growth (QoQ)

-36.73%

FCF growth 3Y

116.83%

FCF growth 5Y

70.68%

Net income growth

6,264.65%

Net income growth (QoQ)

-53.12%

Net income growth 3Y

63.92%

OCF growth (QoQ)

-36.8%

OCF growth 10Y

18.87%

OCF growth 3Y

116.53%

OCF growth 5Y

70.41%

Operating income growth (Q)

-57.1%

Operating income growth 3Y

232.2%

Revenue growth

1,329.23%

Revenue growth (Q)

-68.06%

Revenue growth (QoQ)

-40.39%

Revenue growth 10Y

15.32%

Revenue growth 3Y

177.03%

Revenue growth 5Y

106.94%

Metric

Value

Capital expenditures

AED -312,000

Depreciation and amortization

AED 719,000

EPS

AED 1.02

FCF per share

AED 2.08

Financing cash flow

AED -1.7B

Free cash flow

AED 3.1B

Gross profit

AED 2.1B

Income taxes

AED 200.4M

Investing cash flow

AED 621.2M

Net borrowing

AED -17.8M

Net cash flow

AED 2.1B

Net income

AED 1.5B

Operating income

AED 2.1B

Revenue

AED 3B

Metric

Value

Book value per share

AED 1.64

Debt / equity

Net cash (debt)

AED 65.5M

Net cash / market cap

3.97%

Net debt / equity

-0.03

Net debt / FCF

-0.02

Piotroski F-Score

Property, plant and equipment

AED 2.3M

Shareholders' equity

AED 2.5B

Tangible book value

AED 2.5B

Tangible book value per share

AED 1.64

Total assets

AED 2.7B

Total cash

AED 65.5M

Total debt

AED 0

Total liabilities

AED 285.6M

WACC

2.1%

Metric

Value

Asset turnover

1.16

Current ratio

13.75

Quick ratio

1.25

Working capital

AED 2.4B

Working capital turnover

2.52

Metric

Value

Buyback yield / dilution

6.46%

Dividend growth

Dividend growth years

Dividend payment date

2026-05-15

Dividend payment years

Dividend per share

AED 0.49

Dividend yield

44.95%

Ex-dividend date

2026-05-01

FCF payout ratio

23.55%

Last dividend

AED 0.49

Payout ratio

48.07%

Shareholder yield

51.01%

Metric

Value

10Y price change

-6.84%

10Y return CAGR

2.3%

10Y total return

25.54%

150-day SMA

AED 1.34

1D price change

-0.91%

1M price change

-8.4%

1M total return

-8.4%

1W price change

-4.8%

1W total return

-4.8%

1Y price change

-38.07%

1Y return CAGR

-16.56%

1Y total return

-16.55%

20-day SMA

AED 1.15

200-day SMA

AED 1.42

20Y price change

-84.78%

20Y return CAGR

-7.51%

20Y total return

-79%

3M price change

-6.84%

3M total return

-6.84%

3Y price change

43.05%

3Y return CAGR

24.45%

3Y total return

92.76%

50-day SMA

AED 1.18

50-day SMA vs 200-day SMA

50under200

52-week high

AED 1.93

52-week high date

2026-04-30

52-week low

AED 1.06

52-week low date

2026-10-26

5Y price change

308.24%

5Y return CAGR

40.64%

5Y total return

450.11%

6M price change

-40.11%

6M total return

-19.3%

All-time high

AED 16.00

All-time high date

2005-07-04

All-time low

AED 0.20

All-time low date

2020-03-17

Average true range (ATR)

AED 0.03

Average volume

981.6K

Beta (1Y)

-0.03

Beta (2Y)

0.16

Beta (5Y)

-0.39

Change from 52-week high

-43.52%

Change from 52-week low

2.83%

Change from all-time high

-93.19%

Change from all-time low

445%

Change from open

-0.91%

Day's gap

Dollar volume

AED 723,232

High price

AED 1.12

Low price

AED 1.09

Monthly RSI

43.67

Open price

AED 1.10

Position in 52-week range

16.67%

Previous close

AED 1.10

Price vs 150-day SMA

-18.47%

Price vs 20-day SMA

-5.13%

Price vs 200-day SMA

-23.19%

Price vs 50-day SMA

-7.23%

Relative volume

0.68

RSI

28.62

Sharpe ratio

-0.26

Sharpe ratio (3Y)

0.68

Sharpe ratio (5Y)

0.85

Sortino ratio

-0.31

Sortino ratio (3Y)

1.5

Sortino ratio (5Y)

1.73

Volume

663.5K

Weekly RSI

31.13

YTD price change

-35.12%

YTD total return

-12.57%

Metric

Value

Float

825M

Shares change (QoQ)

Shares change (YoY)

-6.46%

Shares held by insiders

Shares held by institutions

1.19%

Shares outstanding

1.5B

DFM/AMLAK (DFM/AMLAK)

Price

Financial snapshot

Fair-value bridge

Latest news · DFM/AMLAK

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All DFM/AMLAK indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on DFM/AMLAK

Frequently asked questions

DFM/AMLAK (DFM/AMLAK)

Price

Financial snapshot

Fair-value bridge

Latest news · DFM/AMLAK

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All DFM/AMLAK indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on DFM/AMLAK

Frequently asked questions