DFM/AJMANBANK (DFM/AJMANBANK)

Dubai Financial Market: DFM/AJMANBANK · AED

AED 1.36

+0.00 (0.0%)· Recorded snapshot

Market cap	3.7B
Revenue (ttm)	916.5M
Net income (ttm)	446.1M
EPS (ttm)	AED 0.16
Shares out	2.7B
P/E (trailing)	8.3x
P/E (forward)	8.3x
Dividend	AED 0.09 (6.78%)
Volume	3,502,336
Beta	0.52

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 916.5M
Net income (ttm): 446.1M
EPS (ttm): AED 0.16
P/E (trailing): 8.3x
P/E (forward): 8.3x
Market cap: 3.7B

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-29 19:55 UTC

Forward P/E8.3

P25 n/aP50 n/aP75 n/a

Trailing P/E8.3

P25 n/aP50 n/aP75 n/a

ROE11.5

P25 n/aP50 n/aP75 n/a

ROICn/a

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

S&P 500+0.6%

Nasdaq Composite-2.3%

Dow Jones Industrial Average+1.9%

Russell 2000+1.8%

All DFM/AJMANBANK indicators

Market & fundamental data

Available fields

188

Groups with data

Currency

AED

Showing 188 of 188 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	2026-10-27
Exchange	Dubai Financial Market
Financial currency	AED
Financial report date	2026-09-30
First seen	2026-05-10
Fiscal year end	December
Founded	2007
Industry	Banks
Is primary listing	Yes
ISIN number	AEA003201018
Last earnings date	2026-10-27
Last refreshed	2026-10-29
Last stock split date	2023-04-28
Last stock split type	Forward
Market cap	AED 3.7B
Next earnings date	2026-10-30
Price	AED 1.36
Price currency	AED
Sector	Financials
SIC code	6020
Stock price date	2026-10-29
Symbol	dfm/AJMANBANK
Website	https://www.ajmanbank.ae

Valuation

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

Metric	Value
Average P/E ratio (10Y)	16.11x
Average P/E ratio (3Y)	8.69x
Average P/E ratio (5Y)	11.9x
Earnings yield	12.08%
FCF yield	-51.38%
Forward P/E	8.3x
Graham number	2.44038
Graham upside	80.1%
Lynch fair value	AED 4.09
Lynch upside	201.91%
P/B ratio	0.84x
P/E ratio	8.28x
P/S ratio	4.02x
Price / tangible book value	0.84x
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	8.3%
Operating margin	51.09%
Pretax margin	53.08%
Profit margin	48.68%
ROA	1.4%
ROA (5Y)	0.61%
ROE	11.47%
ROE (5Y)	4.96%
Tax / revenue	4.4%

Growth

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

Metric	Value
EPS growth	-10.34%
EPS growth (Q)	-41.59%
EPS growth (QoQ)	-31.87%
EPS growth 10Y	6.18%
EPS growth 5Y	32.32%
FCF growth (QoQ)	-92.12%
Net income growth	-9.15%
Net income growth (Q)	-40.95%
Net income growth (QoQ)	-31.83%
Net income growth 5Y	38.46%
OCF growth (QoQ)	-90.56%
Revenue growth	0.06%
Revenue growth (Q)	-20.77%
Revenue growth (QoQ)	-15.94%
Revenue growth 10Y	9.06%
Revenue growth 3Y	35.01%
Revenue growth 5Y	19.29%

Financial statements

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

Metric	Value
Capital expenditures	AED -103.1M
EPS	AED 0.16
FCF per share	AED -0.70
Financing cash flow	AED 2.6B
Free cash flow	AED -1.9B
Gross profit	AED 876.2M
Income taxes	AED 40.4M
Investing cash flow	AED -1.9B
Net borrowing	AED -16M
Net cash flow	AED -1.1B
Net income	AED 446.1M
Operating income	AED 468.2M
Revenue	AED 916.5M

Financial strength

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

Metric	Value
Book value per share	AED 1.62
Debt / equity	0.41
Net cash (debt)	AED -282.8M
Net cash / market cap	-7.67%
Net debt / equity	0.06
Piotroski F-Score	2
Property, plant and equipment	AED 224M
Shareholders' equity	AED 4.4B
Tangible book value	AED 4.4B
Tangible book value per share	AED 1.62
Total assets	AED 35.8B
Total cash	AED 1.5B
Total debt	AED 1.8B
Total liabilities	AED 31.4B
WACC	4.75%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working capital	AED -21.4B

Dividends and buybacks

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

Metric	Value
Buyback yield / dilution	-1.33%
Dividend growth	26.62%
Dividend growth (3Y)	8.19%
Dividend growth (5Y)	22.11%
Dividend growth years	1
Dividend payment date	2026-03-24
Dividend payment years	2
Dividend payout frequency	Annual
Dividend per share	AED 0.09
Dividend yield	6.78%
Ex-dividend date	2026-03-12
Last dividend	AED 0.09
Payout ratio	56.04%
Shareholder yield	5.45%

Performance and technicals

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

Metric	Value
10Y price change	-1.24%
10Y return CAGR	2.91%
10Y total return	33.27%
150-day SMA	AED 1.41
15Y price change	103.85%
15Y return CAGR	7.66%
15Y total return	202.44%
1D price change	0%
1M price change	-7.82%
1M total return	-7.82%
1W price change	-1.09%
1W total return	-1.09%
1Y price change	-8.45%
1Y return CAGR	-2.35%
1Y total return	-2.35%
20-day SMA	AED 1.41
200-day SMA	AED 1.42
3M price change	-1.81%
3M total return	-1.81%
3Y price change	-35.17%
3Y return CAGR	-10.3%
3Y total return	-27.82%
50-day SMA	AED 1.43
50-day SMA vs 200-day SMA	50over200
52-week high	AED 1.66
52-week high date	2026-02-12
52-week low	AED 1.28
52-week low date	2026-03-17
5Y price change	100.06%
5Y return CAGR	20.21%
5Y total return	150.98%
6M price change	-7.82%
6M total return	-7.82%
All-time high	AED 2.97
All-time high date	2014-03-02
All-time low	AED 0.48
All-time low date	2020-03-19
Average true range (ATR)	AED 0.03
Average volume	3M
Beta (1Y)	0.41
Beta (2Y)	0.24
Beta (5Y)	0.52
Change from 52-week high	-18.37%
Change from 52-week low	5.86%
Change from all-time high	-54.32%
Change from all-time low	182.17%
Change from open	0%
Day's gap	0%
Dollar volume	AED 4.7M
High price	AED 1.37
Low price	AED 1.35
Monthly RSI	43.16
Open price	AED 1.36
Position in 52-week range	50%
Previous close	AED 1.36
Price vs 150-day SMA	-3.56%
Price vs 20-day SMA	-4.1%
Price vs 200-day SMA	-4.78%
Price vs 50-day SMA	-4.98%
Relative volume	1.17
RSI	29.17
Sharpe ratio	0.09
Sharpe ratio (3Y)	-0.72
Sharpe ratio (5Y)	0.68
Sortino ratio	0.34
Sortino ratio (3Y)	-0.71
Sortino ratio (5Y)	1.37
Volume	3.5M
Weekly RSI	40.42
YTD price change	1.88%
YTD total return	8.67%

Ownership and float

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

Metric	Value
Float	1.4B
Shares change (QoQ)	0.05%
Shares change (YoY)	1.33%
Shares held by insiders	16%
Shares held by institutions	3.92%
Shares outstanding	2.7B

Deeper analysis on DFM/AJMANBANK

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/AJMANBANK report

Is a complete DFM/AJMANBANK research report available?

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

Market cap

3.7B

Revenue (ttm)

916.5M

Net income (ttm)

446.1M

EPS (ttm)

AED 0.16

Shares out

2.7B

P/E (trailing)

8.3x

P/E (forward)

8.3x

Dividend

AED 0.09 (6.78%)

Volume

3,502,336

Beta

0.52

Metric

Value

Amount currency

AED

Country

United Arab Emirates

Country code

Earnings date

2026-10-27

Exchange

Dubai Financial Market

Financial currency

AED

Financial report date

2026-09-30

First seen

2026-05-10

Fiscal year end

December

Founded

2007

Industry

Banks

Is primary listing

Yes

ISIN number

AEA003201018

Last earnings date

2026-10-27

Last refreshed

2026-10-29

Last stock split date

2023-04-28

Last stock split type

Forward

Market cap

AED 3.7B

Next earnings date

2026-10-30

Price

AED 1.36

Price currency

AED

Sector

Financials

SIC code

6020

Stock price date

2026-10-29

Symbol

dfm/AJMANBANK

Website

https://www.ajmanbank.ae

Metric

Value

Average P/E ratio (10Y)

16.11x

Average P/E ratio (3Y)

8.69x

Average P/E ratio (5Y)

11.9x

Earnings yield

12.08%

FCF yield

-51.38%

Forward P/E

8.3x

Graham number

2.44038

Graham upside

80.1%

Lynch fair value

AED 4.09

Lynch upside

201.91%

P/B ratio

0.84x

P/E ratio

8.28x

P/S ratio

4.02x

Price / tangible book value

0.84x

Sector forward P/E

7.66x

Sector P/E

8.02x

Metric

Value

Effective tax rate

8.3%

Operating margin

51.09%

Pretax margin

53.08%

Profit margin

48.68%

ROA

1.4%

ROA (5Y)

0.61%

ROE

11.47%

ROE (5Y)

4.96%

Tax / revenue

4.4%

Metric

Value

EPS growth

-10.34%

EPS growth (Q)

-41.59%

EPS growth (QoQ)

-31.87%

EPS growth 10Y

6.18%

EPS growth 5Y

32.32%

FCF growth (QoQ)

-92.12%

Net income growth

-9.15%

Net income growth (Q)

-40.95%

Net income growth (QoQ)

-31.83%

Net income growth 5Y

38.46%

OCF growth (QoQ)

-90.56%

Revenue growth

0.06%

Revenue growth (Q)

-20.77%

Revenue growth (QoQ)

-15.94%

Revenue growth 10Y

9.06%

Revenue growth 3Y

35.01%

Revenue growth 5Y

19.29%

Metric

Value

Capital expenditures

AED -103.1M

EPS

AED 0.16

FCF per share

AED -0.70

Financing cash flow

AED 2.6B

Free cash flow

AED -1.9B

Gross profit

AED 876.2M

Income taxes

AED 40.4M

Investing cash flow

AED -1.9B

Net borrowing

AED -16M

Net cash flow

AED -1.1B

Net income

AED 446.1M

Operating income

AED 468.2M

Revenue

AED 916.5M

Metric

Value

Book value per share

AED 1.62

Debt / equity

0.41

Net cash (debt)

AED -282.8M

Net cash / market cap

-7.67%

Net debt / equity

0.06

Piotroski F-Score

Property, plant and equipment

AED 224M

Shareholders' equity

AED 4.4B

Tangible book value

AED 4.4B

Tangible book value per share

AED 1.62

Total assets

AED 35.8B

Total cash

AED 1.5B

Total debt

AED 1.8B

Total liabilities

AED 31.4B

WACC

4.75%

Metric

Value

Working capital

AED -21.4B

Metric

Value

Buyback yield / dilution

-1.33%

Dividend growth

26.62%

Dividend growth (3Y)

8.19%

Dividend growth (5Y)

22.11%

Dividend growth years

Dividend payment date

2026-03-24

Dividend payment years

Dividend payout frequency

Annual

Dividend per share

AED 0.09

Dividend yield

6.78%

Ex-dividend date

2026-03-12

Last dividend

AED 0.09

Payout ratio

56.04%

Shareholder yield

5.45%

Metric

Value

10Y price change

-1.24%

10Y return CAGR

2.91%

10Y total return

33.27%

150-day SMA

AED 1.41

15Y price change

103.85%

15Y return CAGR

7.66%

15Y total return

202.44%

1D price change

1M price change

-7.82%

1M total return

-7.82%

1W price change

-1.09%

1W total return

-1.09%

1Y price change

-8.45%

1Y return CAGR

-2.35%

1Y total return

-2.35%

20-day SMA

AED 1.41

200-day SMA

AED 1.42

3M price change

-1.81%

3M total return

-1.81%

3Y price change

-35.17%

3Y return CAGR

-10.3%

3Y total return

-27.82%

50-day SMA

AED 1.43

50-day SMA vs 200-day SMA

50over200

52-week high

AED 1.66

52-week high date

2026-02-12

52-week low

AED 1.28

52-week low date

2026-03-17

5Y price change

100.06%

5Y return CAGR

20.21%

5Y total return

150.98%

6M price change

-7.82%

6M total return

-7.82%

All-time high

AED 2.97

All-time high date

2014-03-02

All-time low

AED 0.48

All-time low date

2020-03-19

Average true range (ATR)

AED 0.03

Average volume

Beta (1Y)

0.41

Beta (2Y)

0.24

Beta (5Y)

0.52

Change from 52-week high

-18.37%

Change from 52-week low

5.86%

Change from all-time high

-54.32%

Change from all-time low

182.17%

Change from open

Day's gap

Dollar volume

AED 4.7M

High price

AED 1.37

Low price

AED 1.35

Monthly RSI

43.16

Open price

AED 1.36

Position in 52-week range

50%

Previous close

AED 1.36

Price vs 150-day SMA

-3.56%

Price vs 20-day SMA

-4.1%

Price vs 200-day SMA

-4.78%

Price vs 50-day SMA

-4.98%

Relative volume

1.17

RSI

29.17

Sharpe ratio

0.09

Sharpe ratio (3Y)

-0.72

Sharpe ratio (5Y)

0.68

Sortino ratio

0.34

Sortino ratio (3Y)

-0.71

Sortino ratio (5Y)

1.37

Volume

3.5M

Weekly RSI

40.42

YTD price change

1.88%

YTD total return

8.67%

Metric

Value

Float

1.4B

Shares change (QoQ)

0.05%

Shares change (YoY)

1.33%

Shares held by insiders

16%

Shares held by institutions

3.92%

Shares outstanding

2.7B

DFM/AJMANBANK (DFM/AJMANBANK)

Price

Financial snapshot

Fair-value bridge

Latest news · DFM/AJMANBANK

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All DFM/AJMANBANK 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/AJMANBANK

Frequently asked questions

DFM/AJMANBANK (DFM/AJMANBANK)

Price

Financial snapshot

Fair-value bridge

Latest news · DFM/AJMANBANK

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All DFM/AJMANBANK 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/AJMANBANK

Frequently asked questions