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VersaBank

NAS:VBNKFinancial ServicesNASDAQ:BANKnasdaq_composite

$22.43+0.67%At closeAt close · Tue 20 Oct · ≈ AED 82.37 · Market cap $727.16M · Next earnings Wed 16 Dec

Ratio	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025	Current · undated	YoY
Gross margin	63.3%	69.5%	61.8%	45.4%	100.0%	100.0%	—	—
Operating margin	31.1%	32.5%	24.6%	24.2%	49.1%	34.5%	34.5%	+0.0 pts
Net margin	22.5%	23.6%	17.1%	17.7%	35.6%	23.7%	23.7%	+0.0 pts
EBITDA margin	32.4%	34.3%	26.0%	25.0%	51.4%	37.1%	—	—
Return on equity	7.6%	6.7%	6.5%	11.2%	10.0%	5.3%	5.3%	+0.0 pts
Return on assets	1.0%	0.9%	0.7%	1.0%	0.8%	0.5%	0.5%	+0.0 pts
Return on capital employed	9.5%	6.8%	5.4%	8.8%	7.9%	4.4%	—	—
Debt / equity	0.1×	0.3×	0.3×	0.3×	0.3×	0.2×	0.2×	+0.0%
Debt / assets	0.9%	4.2%	3.4%	2.6%	2.2%	1.9%	—	—
Interest coverage	0.8×	1.0×	0.6×	0.4×	0.3×	0.2×	—	—
Current ratio	0.2×	0.2×	0.0×	0.0×	0.1×	0.1×	0.1×	+0.0%
Quick ratio	0.2×	0.2×	0.0×	0.0×	0.1×	0.1×	—	—
Cash ratio	0.2×	0.1×	0.0×	0.0×	0.1×	0.1×	0.1×	+0.0%
Asset turnover	0.0×	0.0×	0.0×	0.1×	0.0×	0.0×	—	—
Receivables turnover	12.7×	8.7×	7.2×	9.7×	3.4×	3.9×	—	—
Dividend payout	22.1%	17.2%	16.5%	8.5%	9.0%	11.4%	—	—