GFH Bank BSC

DFM:GFHFinancial Services

AED 1.72+0.00%At closeAt close · Mon 19 Oct · Market cap $1.99B · Next earnings Wed 18 Nov

Ratio	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025	Current · undated	YoY
Gross margin	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	—	—
Operating margin	27.7%	40.8%	44.7%	40.4%	35.5%	33.4%	33.4%	+0.0 pts
Net margin	25.3%	37.1%	41.3%	39.5%	32.7%	32.1%	32.1%	+0.0 pts
EBITDA margin	31.1%	41.9%	47.4%	44.8%	39.0%	36.7%	—	—
Return on equity	4.9%	8.7%	9.1%	10.4%	12.1%	13.7%	12.3%	−1.4 pts
Return on assets	0.7%	1.0%	0.9%	0.9%	1.1%	1.1%	1.1%	+0.0 pts
Return on capital employed	1.9%	2.9%	3.0%	2.7%	3.5%	3.9%	—	—
Debt / equity	1.2×	1.8×	1.9×	2.1×	2.2×	2.5×	2.2×	−10.2%
Debt / assets	16.5%	21.7%	19.9%	19.1%	19.5%	20.7%	—	—
Interest coverage	0.0×	0.0×	0.0×	0.0×	0.0×	0.3×	—	—
Current ratio	0.4×	0.4×	0.4×	0.4×	0.4×	0.2×	0.2×	+0.0%
Quick ratio	0.4×	0.4×	0.4×	0.4×	0.4×	0.2×	—	—
Cash ratio	0.2×	0.2×	0.2×	0.3×	0.2×	0.2×	0.2×	+0.0%
Asset turnover	0.0×	0.0×	0.0×	0.0×	0.0×	0.0×	—	—
Receivables turnover	0.3×	0.3×	0.3×	0.3×	0.4×	19.4×	—	—
Dividend payout	83.0%	20.9%	49.7%	56.8%	51.2%	66.7%	—	—

Margins, returns, leverage and liquidityUpdated 31 Dec 2025 ·

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Current snapshot ratios have no reporting date and are shown separately from fiscal periods.