Balance Sheet Finance House

Equities

FH

AEF000401016

Consumer Lending

Delayed Abu Dhabi Securities Exchange Other stock markets 19:29:03 2026-01-12 EST			5-day change	1st Jan Change
2.150 ^AED	0.00%		0.00%	-

11-14	Finance House Posts Lower Q3 Attributable Profit; Net Operating Income Up	MT
11-13	Uae's Finance House 9-month profit 15.5 million dirhams	RE

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Published financial data: FINANCE HOUSE

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2020	2021	2022	2023	2024
Interest and Dividend Income, Total	241M	206M	206M	229M	281M
Interest Expense, Total	55.98M	42.62M	54.56M	74.32M	98.56M
Net Interest Income	186M	163M	151M	155M	183M
Commission and Fees	36.66M	29.25M	31.08M	28.98M	30.66M
Other Revenues, Total	56.62M	51.6M	38.78M	-43.44M	-28.84M
Revenues Before Provison For Loan Losses	279M	244M	221M	140M	185M
Provision For Loan Losses	74.1M	53.09M	38.29M	22.23M	47.36M
Total Revenues	205M	191M	183M	118M	137M
Salaries And Other Employee Benefits	122M	103M	110M	91M	91.67M
Cost of Services Provided, Total	67.94M	74.51M	64.67M	54.37M	50.12M
Depreciation & Amortization - (IS) - (Collected)	15.21M	13.45M	9.15M	6.57M	10.42M
Amortization of Goodwill and Intangible Assets - (IS)	-	-	-	-	-
Other Operating Expenses	-21.61M	-25.38M	-25.74M	-49.1M	-21.88M
Total Operating Expenses	183M	165M	158M	103M	130M
Operating Income	21.21M	25.66M	25.05M	15.21M	6.96M
Income (Loss) on Equity Invest.	-307K	-2.91M	-4.27M	-399K	1.3M
Other Non Operating Income (Expenses)	-	-	-	-	-
EBT, Excl. Unusual Items	20.9M	22.76M	20.78M	14.81M	8.26M
Gain (Loss) on Sale of Assets	-	-	-	-	-
Asset Writedown	-	-	-	-	-
EBT, Incl. Unusual Items	20.9M	22.76M	20.78M	14.81M	8.26M
Income Tax Expense	-	-	-	-	769K
Earnings From Continuing Operations	20.9M	22.76M	20.78M	14.81M	7.49M
Net Income to Company	20.9M	22.76M	20.78M	14.81M	7.49M
Minority Interest	-6.94M	-7.27M	-4.22M	21.18M	8.2M
Net Income - (IS)	13.96M	15.48M	16.56M	35.98M	15.68M
Preferred Dividend and Other Adjustments	20.82M	18.41M	18.96M	20.62M	19.34M
Net Income to Common Incl Extra Items	-6.85M	-2.93M	-2.39M	15.36M	-3.66M
Net Income to Common Excl. Extra Items	-6.85M	-2.93M	-2.39M	15.36M	-3.66M
Per Share Items
Net EPS - Basic	-0.02	-0.01	-0.01	0.06	-0.01
Basic EPS - Continuing Operations	-0.02	-0.01	-0.01	0.06	-0.01
Basic Weighted Average Shares Outstanding	299M	283M	281M	273M	271M
Net EPS - Diluted	-0.02	-0.01	-0.01	0.06	-0.01
Diluted EPS - Continuing Operations	-0.02	-0.01	-0.01	0.06	-0.01
Diluted Weighted Average Shares Outstanding	299M	283M	281M	273M	271M
Normalized Basic EPS	0.02	0.02	0.03	0.11	0.05
Normalized Diluted EPS	0.02	0.02	0.03	0.11	0.05
Dividend Per Share	0.01	-	-	-	-
Payout Ratio	208.78	154.97	109.56	50.75	116.42
Supplemental Items
Effective Tax Rate - (Ratio)	-	-	-	-	9.31
Normalized Net Income	6.13M	6.95M	8.77M	30.43M	13.36M
Non-Cash Pension Expense	2.16M	1.69M	2.39M	1.99M	1.62M

Fiscal Period: December	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	6.72M	8.1M	8.41M	7.03M	8.52M
Long-Term Investments - (FS Template)	308M	346M	292M	234M	205M
Trading Asset Securities, Total	29.3M	59.68M	58.83M	20.97M	90.56M
Loans and Lease Receivables - (FS Template)	2.23B	2.11B	2.02B	1.89B	2.08B
Other Receivables	432M	525M	473M	202M	358M
Gross Property Plant And Equipment	193M	205M	209M	221M	230M
Accumulated Depreciation	-98.5M	-106M	-104M	-104M	-117M
Net Property Plant And Equipment	94.15M	99.26M	106M	117M	113M
Goodwill	6.7M	6.7M	6.7M	6.7M	6.7M
Other Intangibles, Total	-	-	-	-	-
Restricted Cash	6M	6M	6M	6M	6M
Other Current Assets, Total	220M	234M	496M	230M	200M
Other Long-Term Assets, Total	76.22M	104M	142M	52.6M	65.35M
Total Assets	3.41B	3.5B	3.61B	2.77B	3.13B
Liabilities
Interest Bearing Deposits	1.35B	1.09B	1.11B	887M	1.06B
Non-Interest Bearing Deposits	224M	365M	704M	450M	585M
Deposits	1.58B	1.46B	1.82B	1.34B	1.64B
Accounts Payable, Total	45.62M	73.66M	-	-	-
Accrued Expenses, Total	34.88M	43.31M	47.93M	51.35M	40.02M
Short-Term Borrowings	353M	469M	370M	248M	338M
Current Portion of Long-Term Debt	25M	100M	66.67M	33.33M	-
Current Portion of Leases	3.46M	1.1M	537K	-	-
Long-Term Debt	-	-	-	-	-
Long-Term Leases	-	-	-	-	-
Unearned Revenue, Current	79.37M	81.38M	113M	-	-
Other Current Liabilities - (Brok / FS / Ins. / REIT Template)	432M	372M	336M	399M	445M
Unearned Revenue Non Current	-	-	-	-	-
Pension & Other Post Retirement Benefits	14.92M	14.33M	14.37M	13.13M	14.39M
Other Non Current Liabilities	71.2M	86.58M	93.26M	22.28M	11.9M
Total Liabilities	2.64B	2.7B	2.86B	2.1B	2.49B
Common Stock, Total	310M	303M	303M	303M	303M
Retained Earnings	169M	154M	156M	133M	17.5M
Treasury Stock	-21.4M	-29.82M	-46.54M	-51.2M	-54.27M
Comprehensive Income and Other	218M	270M	235M	237M	340M
Total Common Equity	676M	697M	647M	621M	607M
Minority Interest	93.58M	105M	109M	40.57M	32.42M
Total Equity	770M	802M	755M	662M	639M
Total Liabilities And Equity	3.41B	3.5B	3.61B	2.77B	3.13B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	299M	283M	275M	272M	271M
ECS Total Common Shares Outstanding	299M	283M	275M	272M	271M
Book Value / Share	1.28	1.43	1.29	1.21	1.16
Tangible Book Value	669M	690M	640M	615M	600M
Tangible Book Value Per Share	1.25	1.41	1.27	1.19	1.14
Total Debt	381M	570M	437M	281M	338M
Net Debt	345M	502M	370M	253M	239M
Equity Method Investments, Total	89.79M	86.88M	82.61M	82.21M	83.52M

Fiscal Period: December	2020	2021	2022	2023	2024
Net Income	13.96M	15.48M	16.56M	35.98M	15.68M
Depreciation, Depletion & Amortization	15.21M	13.45M	9.15M	7.36M	13.2M
Amortization of Goodwill and Intangible Assets - (CF)	-	-	-	-	-
Total Depreciation, Depletion & Amortization	15.21M	13.45M	9.15M	7.36M	13.2M
(Gain) Loss On Sale of Asset - (CF)	-	-	-	-	-
(Gain) Loss on Sale of Investments - (CF)	-6.42M	-15.81M	-3.44M	1.72M	-40.62M
Total Asset Writedown	-	-	-600K	-2.12M	-
Provision for Credit Losses	74.1M	53.09M	38.29M	22.23M	47.36M
(Income) Loss On Equity Investments - (CF)	307K	2.91M	4.27M	399K	-1.3M
Changes in Accrued Interest Receivable	-65.32M	16.47M	-10.98M	8.21M	-18.38M
Changes in Accrued Interest Payable	-13.95M	54.24M	-94.5M	14.71M	-22.47M
Change in Unearned Revenues	-15.52M	2.01M	31.28M	-	-
Change in Other Net Operating Assets (Collected)	-255M	-184M	331M	-409M	96.64M
Other Operating Activities	-16.77M	-3.34M	2.02M	-25.25M	-12.55M
Cash from Operations	-269M	-45.7M	323M	-346M	77.56M
Capital Expenditure	-7.09M	-18.56M	-15.56M	-30.15M	-6.29M
Sale of Property, Plant, and Equipment	-	4.42M	-	11.79M	-
Cash Acquisitions	-	-	-	-	-
Sale (Purchase) of Real Estate Properties (Collected)	-	-	-	-24.72M	-
Investment in Marketable and Equity Securities, Total	183M	13.06M	23.96M	96.45M	-5.01M
Other Investing Activities, Total	24.23M	10.01M	-	-	-
Cash from Investing	200M	8.94M	8.39M	53.36M	-11.3M
Short Term Debt Issued, Total	298M	394M	31M	-	-
Long-Term Debt Issued, Total	-	100M	-	150M	230M
Total Debt Issued	298M	494M	31M	150M	230M
Short Term Debt Repaid, Total	-173M	-250M	-133M	-275M	-150M
Long-Term Debt Repaid, Total	-75M	-25M	-33.33M	-33.33M	-33.33M
Total Debt Repaid	-248M	-275M	-166M	-308M	-183M
Issuance of Common Stock	-	-	-	-	-
Repurchase of Common Stock	-550K	-33.47M	-16.71M	-4.76M	-3.08M
Common Dividends Paid	-29.16M	-24M	-18.14M	-18.26M	-18.26M
Common & Preferred Stock Dividends Paid	-29.16M	-24M	-18.14M	-18.26M	-18.26M
Other Financing Activities, Total	-1.22M	-1.96M	-	-	-
Cash from Financing	19.13M	159M	-170M	-181M	25.33M
Net Change in Cash	-49.88M	123M	161M	-474M	91.59M
Supplemental Items
Net Debt Issued / Repaid	50.06M	219M	-135M	-158M	46.67M

Fiscal Period: December	2020	2021	2022	2023	2024
Profitability
Return on Assets	0.57	0.66	0.58	0.48	0.25
Return On Equity %	2.67	2.9	2.67	2.22	1.15
Return on Common Equity	-0.99	-0.43	-0.36	2.51	-0.6
Margin Analysis
Gross Profit Margin %	87.75	87.92	89.93	90.65	89.62
SG&A Margin	80.52	80.73	85.29	113.8	92.9
Income From Continuing Operations Margin %	10.21	11.91	11.38	12.55	5.45
Net Income Margin %	6.82	8.1	9.07	30.48	11.42
Net Avail. For Common Margin %	-3.35	-1.53	-1.31	13.01	-2.66
Normalized Net Income Margin	2.99	3.64	4.8	25.78	9.73
Asset Turnover
Asset Turnover	0.06	0.06	0.05	0.04	0.05
Short Term Liquidity
Current Ratio	1.15	1.13	1.11	1.14	1.11
Quick Ratio	1.06	1.04	0.93	1.02	1.03
Operating Cash Flow to Current Liabilities	-0.11	-0.02	0.12	-0.17	0.03
Long Term Solvency
Total Debt/Equity	49.52	71.07	57.9	42.47	52.88
Total Debt / Total Capital	33.12	41.54	36.67	29.81	34.59
LT Debt/Equity	-	-	-	-	-
Long-Term Debt / Total Capital	-	-	-	-	-
Total Liabilities / Total Assets	77.41	77.11	79.1	76.06	79.58
Total Capital Ratio %	26.55	26.91	26.21	28.26	25.38
Growth Over Prior Year
Total Revenues, 1 Yr. Growth %	-11.02	-6.65	-4.39	0.1	25.49
Gross Profit, 1 Yr. Growth %	-13.53	-6.47	-2.2	1.76	25.09
Earnings From Cont. Operations, 1 Yr. Growth %	-6.88	8.89	-8.67	-230.75	-49.44
Net Income, 1 Yr. Growth %	2.74	10.88	6.96	1.78K	-56.41
Normalized Net Income, 1 Yr. Growth %	16.2	13.42	26.16	393.74	-56.11
Diluted EPS Before Extra, 1 Yr. Growth %	-21.31	-54.91	-36.54	-192.94	-126.05
Common Equity, 1 Yr. Growth %	-4.32	3.08	-7.23	2.81	-2.39
Total Assets, 1 Yr. Growth %	-13.15	2.77	3.17	-19.65	13.15
Tangible Book Value, 1 Yr. Growth %	-4.36	3.11	-7.3	2.84	-2.41
Cash From Operations, 1 Yr. Growth %	-16.46	-83.03	-957.84	-207.06	-122.43
Capital Expenditures, 1 Yr. Growth %	131.45	161.67	-16.16	93.72	-79.13
Dividend Per Share, 1 Yr. Growth %	-	-	-	-	-
Compound Annual Growth Rate Over Two Years
Total Revenues, 2 Yr. CAGR %	-6.6	-8.86	-5.53	-21.4	7.89
Gross Profit, 2 Yr. CAGR %	-5.68	-10.07	-4.36	-20.19	8.16
Earnings From Cont. Operations, 2 Yr. CAGR %	8.24	0.69	-0.28	-19.33	-18.69
Net Income, 2 Yr. CAGR %	8.67	6.73	8.9	52.44	186.11
Normalized Net Income, 2 Yr. CAGR %	-4.76	14.8	19.62	109.25	47.21
Diluted EPS Before Extra, 2 Yr. CAGR %	-23.6	-40.43	-39.04	104.93	-52.82
Common Equity, 2 Yr. CAGR %	-1.17	-0.69	-2.21	-5.58	0.18
Total Assets, 2 Yr. CAGR %	-8.77	-5.53	2.97	-11.14	-4.65
Tangible Book Value, 2 Yr. CAGR %	-1.18	-0.7	-2.23	-5.64	0.18
Cash From Operations, 2 Yr. CAGR %	34.96	-62.35	9.51	203.06	-51
Capital Expenditures, 2 Yr. CAGR %	-39.44	146.1	48.12	27.44	-36.42
Dividend Per Share, 2 Yr. CAGR %	-	-	-	-	-
Compound Annual Growth Rate Over Three Years
Total Revenues, 3 Yr. CAGR %	0.15	-6.61	-7.39	-16.76	-10.44
Gross Profit, 3 Yr. CAGR %	-4.12	-5.94	-7.52	-15.86	-9.86
Earnings From Cont. Operations, 3 Yr. CAGR %	-13.79	8.45	-2.53	-10.85	-30.96
Net Income, 3 Yr. CAGR %	-25.9	9.4	6.81	37.1	0.43
Normalized Net Income, 3 Yr. CAGR %	-28.08	0.95	18.47	70.61	24.33
Diluted EPS Before Extra, 3 Yr. CAGR %	-7.79	-35.91	-33.63	34.97	0.19
Common Equity, 3 Yr. CAGR %	-6.63	0.22	-2.92	-2.78	-4.53
Total Assets, 3 Yr. CAGR %	-9.28	-5.07	-2.71	-6.72	-3.68
Tangible Book Value, 3 Yr. CAGR %	-6.68	0.23	-2.95	-2.81	-4.57
Cash From Operations, 3 Yr. CAGR %	26.88	-32.39	0.06	8.69	27.24
Capital Expenditures, 3 Yr. CAGR %	2.48	-1.36	71.88	61.98	-30.28
Dividend Per Share, 3 Yr. CAGR %	-40.75	-	-	-	-
Compound Annual Growth Rate Over Five Years
Total Revenues, 5 Yr. CAGR %	-2.79	-2.89	-2.16	-12.84	-9.81
Gross Profit, 5 Yr. CAGR %	-5.29	-2.95	-4.21	-11.92	-9.94
Earnings From Cont. Operations, 5 Yr. CAGR %	-19.47	-9.79	-8.62	-3.66	-19.71
Net Income, 5 Yr. CAGR %	-27.26	-17.41	-13.57	24.93	2.9
Normalized Net Income, 5 Yr. CAGR %	-30.96	-23.2	-11.85	35.13	20.43
Diluted EPS Before Extra, 5 Yr. CAGR %	-33.8	-27.65	-21.86	7.5	-14.26
Common Equity, 5 Yr. CAGR %	-5.11	-4.56	-4.89	-2.14	-3.01
Total Assets, 5 Yr. CAGR %	-7.54	-4.52	-4.57	-7.55	-4.42
Tangible Book Value, 5 Yr. CAGR %	-5.11	-4.57	-4.93	-2.16	-3.04
Cash From Operations, 5 Yr. CAGR %	0.19	-32.74	19.62	18.52	-24.79
Capital Expenditures, 5 Yr. CAGR %	-7.24	23.58	18.75	9.28	15.47
Dividend Per Share, 5 Yr. CAGR %	-36.41	-	-	-	-