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Sharjah Islamic Bank

ADX:SIBFinanceADX:FADGIADX:FADSI

AED 2.86−1.72%At closeAt close · Mon 19 Oct · Market cap $3.36B · Next earnings Thu 21 Jan

Ratio	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025	YoY
Operating margin	21.7%	32.4%	30.0%	29.6%	25.2%	29.5%	+4.3 pts
Net margin	20.3%	25.6%	27.1%	20.4%	21.3%	23.8%	+2.5 pts
Return on equity	7.0%	8.8%	11.2%	11.9%	14.8%	15.2%	+0.4 pts
Return on assets	0.8%	0.9%	1.1%	1.1%	1.2%	1.3%	+0.1 pts
Return on capital employed	1.3%	1.7%	2.0%	2.8%	2.0%	2.4%	+0.4 pts
Debt / equity	2.3×	1.7×	2.1×	2.0×	2.9×	3.1×	+7.9%
Debt / assets	25.0%	17.8%	20.7%	19.5%	23.5%	26.5%	+2.9 pts
Interest coverage	2.5×	3.8×	5.4×	14.1×	11.1×	6.5×	−40.8%
Current ratio	0.5×	0.7×	0.4×	0.4×	0.5×	0.5×	−9.1%
Quick ratio	0.5×	0.7×	0.4×	0.4×	0.5×	0.5×	−9.1%
Asset turnover	0.0×	0.0×	0.0×	0.1×	0.1×	0.1×	−4.2%
Dividend payout	36.2%	48.0%	37.9%	41.1%	33.8%	39.2%	+5.4 pts

Margins, returns, leverage and liquidityUpdated 31 Dec 2025 ·

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