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Apna Microfinance Bank Ltd

KAR:AMBLFinancePSX:ALLSHR

Rs 19.65+0.77%LiveIn session · ≈ AED 0.2608 · Market cap $36.79M

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Ratio	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025	Trend	YoY
Operating margin	0.6%	−248.4%	−200.2%	−130.1%	−98.8%	−46.1%		+52.7 pts
Net margin	0.4%	−181.1%	−184.3%	−131.3%	−100.2%	−47.2%		+53.1 pts
Return on equity	0.6%	−436.5%	110.9%	54.1%	32.9%	15.7%		−17.2 pts
Return on assets	0.0%	−8.2%	−22.9%	−21.1%	−17.8%	−8.0%		+9.8 pts
Return on capital employed	0.2%	−31.7%	−139.9%	−108.3%	−287.1%	−34.5%		+252.6 pts
Debt / equity	0.4×	1.5×	−0.1×	−0.1×	−0.1×	−0.2×		−203.1%
Debt / assets	2.7%	2.7%	2.8%	3.0%	3.3%	9.5%		+6.1 pts
Interest coverage	0.3×	−33.4×	−81.8×	−66.4×	−25.1×	−23.8×		+5.2%
Current ratio	0.8×	0.5×	0.3×	0.4×	0.3×	0.3×		+9.2%
Quick ratio	0.8×	0.5×	0.3×	0.4×	0.3×	0.3×		+9.2%
Asset turnover	0.1×	0.0×	0.1×	0.2×	0.2×	0.2×		−4.9%
Dividend payout	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%		—

Margins, returns, leverage and liquidityUpdated 31 Dec 2025 ·

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