Financial Ratios Finance House

Equities

FH

AEF000401016

Consumer Lending

Market Closed - Abu Dhabi Securities Exchange Other stock markets 19:39:07 2026-03-04 EST			5-day change	1st Jan Change
2.150 ^AED	0.00%		0.00%	-

02-23	Finance House Flags Abu Dhabi Trading Halt in March	MT
02-12	Finance House Posts Higher FY25 Preliminary Pretax Net Profit; Revenue Declines	MT

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Published financial data: FINANCE HOUSE

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest and Dividend Income, Total	206M	206M	229M	281M	252M
Interest Expense, Total	42.62M	54.56M	74.32M	98.56M	94.7M
Net Interest Income	163M	151M	155M	183M	157M
Commission and Fees	29.25M	31.08M	28.98M	30.66M	36.01M
Other Revenues, Total	51.6M	38.78M	-43.44M	-28.84M	-7.72M
Revenues Before Provison For Loan Losses	244M	221M	140M	185M	185M
Provision For Loan Losses	53.09M	38.29M	22.23M	47.36M	33.38M
Total Revenues	191M	183M	118M	137M	152M
Salaries And Other Employee Benefits	103M	110M	91M	91.67M	86.93M
Cost of Services Provided, Total	74.51M	64.67M	54.37M	50.12M	54.93M
Depreciation & Amortization - (IS) - (Collected)	13.45M	9.15M	6.57M	10.42M	12.82M
Amortization of Goodwill and Intangible Assets - (IS)	-	-	-	-	-
Other Operating Expenses	-25.38M	-25.74M	-49.1M	-21.88M	-20.35M
Total Operating Expenses	165M	158M	103M	130M	134M
Operating Income	25.66M	25.05M	15.21M	6.96M	17.74M
Income (Loss) on Equity Invest.	-2.91M	-4.27M	-399K	1.3M	2.49M
Other Non Operating Income (Expenses)	-	-	-	-	-
EBT, Excl. Unusual Items	22.76M	20.78M	14.81M	8.26M	20.23M
Gain (Loss) on Sale of Assets	-	-	-	-	-
Asset Writedown	-	-	-	-	-
EBT, Incl. Unusual Items	22.76M	20.78M	14.81M	8.26M	20.23M
Income Tax Expense	-	-	-	769K	2.48M
Earnings From Continuing Operations	22.76M	20.78M	14.81M	7.49M	17.75M
Net Income to Company	22.76M	20.78M	14.81M	7.49M	17.75M
Minority Interest	-7.27M	-4.22M	21.18M	8.2M	-5.55M
Net Income - (IS)	15.48M	16.56M	35.98M	15.68M	12.2M
Preferred Dividend and Other Adjustments	18.41M	18.96M	20.62M	19.34M	20.98M
Net Income to Common Incl Extra Items	-2.93M	-2.39M	15.36M	-3.66M	-8.78M
Net Income to Common Excl. Extra Items	-2.93M	-2.39M	15.36M	-3.66M	-8.78M
Per Share Items
Net EPS - Basic	-0.01	-0.01	0.06	-0.01	-0.03
Basic EPS - Continuing Operations	-0.01	-0.01	0.06	-0.01	-0.03
Basic Weighted Average Shares Outstanding	283M	281M	273M	271M	271M
Net EPS - Diluted	-0.01	-0.01	0.06	-0.01	-0.03
Diluted EPS - Continuing Operations	-0.01	-0.01	0.06	-0.01	-0.03
Diluted Weighted Average Shares Outstanding	283M	281M	273M	271M	271M
Normalized Basic EPS	0.02	0.03	0.11	0.05	0.03
Normalized Diluted EPS	0.02	0.03	0.11	0.05	0.03
Dividend Per Share	-	-	-	-	-
Payout Ratio	154.97	109.56	50.75	116.42	163
Supplemental Items
Effective Tax Rate - (Ratio)	-	-	-	9.31	12.27
Normalized Net Income	6.95M	8.77M	30.43M	13.36M	7.1M
Non-Cash Pension Expense	1.69M	2.39M	1.99M	1.62M	1.52M

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	8.1M	8.41M	7.03M	8.52M	8.14M
Long-Term Investments - (FS Template)	346M	292M	234M	205M	217M
Trading Asset Securities, Total	59.68M	58.83M	20.97M	90.56M	104M
Loans and Lease Receivables - (FS Template)	2.11B	2.02B	1.89B	2.08B	2.19B
Other Receivables	525M	473M	202M	358M	395M
Gross Property Plant And Equipment	205M	209M	221M	230M	235M
Accumulated Depreciation	-106M	-104M	-104M	-117M	-127M
Net Property Plant And Equipment	99.26M	106M	117M	113M	109M
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	234M	496M	230M	200M	976M
Other Long-Term Assets, Total	104M	142M	52.6M	65.35M	83.53M
Total Assets	3.5B	3.61B	2.77B	3.13B	4.1B
Liabilities
Interest Bearing Deposits	1.09B	1.11B	887M	1.06B	1.37B
Non-Interest Bearing Deposits	365M	704M	450M	585M	1.15B
Deposits	1.46B	1.82B	1.34B	1.64B	2.52B
Accounts Payable, Total	73.66M	-	-	-	-
Accrued Expenses, Total	43.31M	47.93M	51.35M	40.02M	43.09M
Short-Term Borrowings	469M	370M	248M	338M	339M
Current Portion of Long-Term Debt	100M	66.67M	33.33M	-	-
Current Portion of Leases	1.1M	537K	-	-	-
Long-Term Debt	-	-	-	-	-
Long-Term Leases	-	-	-	-	-
Unearned Revenue, Current	81.38M	113M	-	-	-
Other Current Liabilities - (Brok / FS / Ins. / REIT Template)	372M	336M	399M	445M	530M
Unearned Revenue Non Current	-	-	-	-	-
Pension & Other Post Retirement Benefits	14.33M	14.37M	13.13M	14.39M	14.22M
Other Non Current Liabilities	86.58M	93.26M	22.28M	11.9M	18.02M
Total Liabilities	2.7B	2.86B	2.1B	2.49B	3.46B
Common Stock, Total	303M	303M	303M	303M	303M
Retained Earnings	154M	156M	133M	17.5M	9.46M
Treasury Stock	-29.82M	-46.54M	-51.2M	-54.27M	-54.27M
Comprehensive Income and Other	270M	235M	237M	340M	339M
Total Common Equity	697M	647M	621M	607M	597M
Minority Interest	105M	109M	40.57M	32.42M	38.3M
Total Equity	802M	755M	662M	639M	636M
Total Liabilities And Equity	3.5B	3.61B	2.77B	3.13B	4.1B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	283M	275M	272M	271M	271M
ECS Total Common Shares Outstanding	283M	275M	272M	271M	271M
Book Value / Share	1.43	1.29	1.21	1.16	1.14
Tangible Book Value	690M	640M	615M	600M	591M
Tangible Book Value Per Share	1.41	1.27	1.19	1.14	1.12
Total Debt	570M	437M	281M	338M	339M
Net Debt	502M	370M	253M	239M	227M
Equity Method Investments, Total	86.88M	82.61M	82.21M	83.52M	86M

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	15.48M	16.56M	35.98M	15.68M	12.2M
Depreciation, Depletion & Amortization	13.45M	9.15M	7.36M	13.2M	15.59M
Amortization of Goodwill and Intangible Assets - (CF)	-	-	-	-	-
Total Depreciation, Depletion & Amortization	13.45M	9.15M	7.36M	13.2M	15.59M
(Gain) Loss On Sale of Asset - (CF)	-	-	-	-	-
(Gain) Loss on Sale of Investments - (CF)	-15.81M	-3.44M	1.72M	-40.62M	-5.47M
Total Asset Writedown	-	-600K	-2.12M	-	-
Provision for Credit Losses	53.09M	38.29M	22.23M	47.36M	33.38M
(Income) Loss On Equity Investments - (CF)	2.91M	4.27M	399K	-1.3M	-2.49M
Changes in Accrued Interest Receivable	16.47M	-10.98M	8.21M	-18.38M	-9.95M
Changes in Accrued Interest Payable	54.24M	-94.5M	14.71M	-22.47M	6.7M
Change in Unearned Revenues	2.01M	31.28M	-	-	-
Change in Other Net Operating Assets (Collected)	-184M	331M	-409M	96.64M	776M
Other Operating Activities	-3.34M	2.02M	-25.25M	-12.55M	3.68M
Cash from Operations	-45.7M	323M	-346M	77.56M	830M
Capital Expenditure	-18.56M	-15.56M	-30.15M	-6.29M	-10.58M
Sale of Property, Plant, and Equipment	4.42M	-	11.79M	-	2.59M
Sale (Purchase) of Real Estate Properties (Collected)	-	-	-24.72M	-	-
Investment in Marketable and Equity Securities, Total	13.06M	23.96M	96.45M	-5.01M	-13.7M
Other Investing Activities, Total	10.01M	-	-	-	-
Cash from Investing	8.94M	8.39M	53.36M	-11.3M	-21.69M
Short Term Debt Issued, Total	394M	31M	-	-	-
Long-Term Debt Issued, Total	100M	-	150M	230M	280M
Total Debt Issued	494M	31M	150M	230M	280M
Short Term Debt Repaid, Total	-250M	-133M	-275M	-150M	-295M
Long-Term Debt Repaid, Total	-25M	-33.33M	-33.33M	-33.33M	-
Total Debt Repaid	-275M	-166M	-308M	-183M	-295M
Issuance of Common Stock	-	-	-	-	-
Repurchase of Common Stock	-33.47M	-16.71M	-4.76M	-3.08M	-3.35M
Common Dividends Paid	-24M	-18.14M	-18.26M	-18.26M	-19.88M
Common & Preferred Stock Dividends Paid	-24M	-18.14M	-18.26M	-18.26M	-19.88M
Other Financing Activities, Total	-1.96M	-	-	-	-
Cash from Financing	159M	-170M	-181M	25.33M	-38.23M
Net Change in Cash	123M	161M	-474M	91.59M	770M
Supplemental Items
Net Debt Issued / Repaid	219M	-135M	-158M	46.67M	-15M

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	0.66	0.58	0.48	0.25	0.49
Return On Equity %	2.9	2.67	2.22	1.15	2.78
Return on Common Equity	-0.43	-0.36	2.51	-0.6	-1.46
Margin Analysis
Gross Profit Margin %	87.92	89.93	90.65	82.65	81.95
SG&A Margin	80.73	85.29	113.8	85.93	75.23
Income From Continuing Operations Margin %	11.91	11.38	12.55	5.45	11.67
Net Income Margin %	8.1	9.07	30.48	11.42	8.02
Net Avail. For Common Margin %	-1.53	-1.31	13.01	-2.66	-5.78
Normalized Net Income Margin	3.64	4.8	25.78	9.73	4.67
Asset Turnover
Asset Turnover	0.06	0.05	0.04	0.05	0.04
Short Term Liquidity
Current Ratio	1.13	1.11	1.14	1.11	1.07
Quick Ratio	1.04	0.93	1.02	1.03	0.79
Operating Cash Flow to Current Liabilities	-0.02	0.12	-0.17	0.03	0.24
Long Term Solvency
Total Debt/Equity	71.07	57.9	42.47	52.88	53.33
Total Debt / Total Capital	41.54	36.67	29.81	34.59	34.78
LT Debt/Equity	-	-	-	-	-
Long-Term Debt / Total Capital	-	-	-	-	-
Total Liabilities / Total Assets	77.11	79.1	76.06	79.58	84.5
Total Capital Ratio %	26.91	26.21	28.26	25.38	19.86
Growth Over Prior Year
Total Revenues, 1 Yr. Growth %	-6.65	-4.39	0.1	25.49	10.78
Gross Profit, 1 Yr. Growth %	-6.47	-2.2	1.76	25.32	9.84
Earnings From Cont. Operations, 1 Yr. Growth %	8.89	-8.67	-230.75	-49.44	137.01
Net Income, 1 Yr. Growth %	10.88	6.96	1.78K	-56.41	-22.22
Normalized Net Income, 1 Yr. Growth %	13.42	26.16	393.74	-56.11	-46.87
Diluted EPS Before Extra, 1 Yr. Growth %	-54.91	-36.54	-192.94	-126.05	140.24
Common Equity, 1 Yr. Growth %	3.08	-7.23	2.81	-2.39	-1.51
Total Assets, 1 Yr. Growth %	2.77	3.17	-19.65	13.15	31.02
Tangible Book Value, 1 Yr. Growth %	3.11	-7.3	2.84	-2.41	-1.53
Cash From Operations, 1 Yr. Growth %	-83.03	-957.84	-207.06	-122.43	969.7
Capital Expenditures, 1 Yr. Growth %	161.67	-16.16	93.72	-79.13	68.12
Dividend Per Share, 1 Yr. Growth %	-	-	-	-	-
Compound Annual Growth Rate Over Two Years
Total Revenues, 2 Yr. CAGR %	-8.86	-5.53	-21.4	7.89	17.91
Gross Profit, 2 Yr. CAGR %	-10.07	-4.36	-20.19	3.87	17.32
Earnings From Cont. Operations, 2 Yr. CAGR %	0.69	-0.28	-19.33	-18.69	9.47
Net Income, 2 Yr. CAGR %	6.73	8.9	52.44	186.11	-41.78
Normalized Net Income, 2 Yr. CAGR %	14.8	19.62	109.25	47.21	-51.71
Diluted EPS Before Extra, 2 Yr. CAGR %	-40.43	-39.04	104.93	-52.82	-20.89
Common Equity, 2 Yr. CAGR %	-0.69	-2.21	-5.58	0.18	-1.95
Total Assets, 2 Yr. CAGR %	-5.53	2.97	-11.14	-4.65	21.76
Tangible Book Value, 2 Yr. CAGR %	-0.7	-2.23	-5.64	0.18	-1.97
Cash From Operations, 2 Yr. CAGR %	-62.35	9.51	203.06	-51	54.9
Capital Expenditures, 2 Yr. CAGR %	146.1	48.12	27.44	-36.42	-40.77
Dividend Per Share, 2 Yr. CAGR %	-	-	-	-	-
Compound Annual Growth Rate Over Three Years
Total Revenues, 3 Yr. CAGR %	-6.61	-7.39	-16.76	-10.44	8.85
Gross Profit, 3 Yr. CAGR %	-5.94	-7.52	-15.86	-12.26	5.82
Earnings From Cont. Operations, 3 Yr. CAGR %	8.45	-2.53	-10.85	-30.96	16.15
Net Income, 3 Yr. CAGR %	9.4	6.81	37.1	0.43	85.34
Normalized Net Income, 3 Yr. CAGR %	0.95	18.47	70.61	24.33	4.81
Diluted EPS Before Extra, 3 Yr. CAGR %	-35.91	-33.63	34.97	0.19	-18.83
Common Equity, 3 Yr. CAGR %	0.22	-2.92	-2.78	-4.53	-0.39
Total Assets, 3 Yr. CAGR %	-5.07	-2.71	-6.72	-3.68	6.01
Tangible Book Value, 3 Yr. CAGR %	0.23	-2.95	-2.81	-4.57	-0.39
Cash From Operations, 3 Yr. CAGR %	-32.39	0.06	8.69	27.24	36.95
Capital Expenditures, 3 Yr. CAGR %	-1.36	71.88	61.98	-30.28	-12.08
Dividend Per Share, 3 Yr. CAGR %	-	-	-	-	-
Compound Annual Growth Rate Over Five Years
Total Revenues, 5 Yr. CAGR %	-2.89	-2.16	-12.84	-9.81	-5.77
Gross Profit, 5 Yr. CAGR %	-2.95	-4.21	-11.92	-11.39	-7.05
Earnings From Cont. Operations, 5 Yr. CAGR %	-9.79	-8.62	-3.66	-19.71	-3.22
Net Income, 5 Yr. CAGR %	-17.41	-13.57	24.93	2.9	-2.67
Normalized Net Income, 5 Yr. CAGR %	-23.2	-11.85	35.13	20.43	2.98
Diluted EPS Before Extra, 5 Yr. CAGR %	-27.65	-21.86	7.5	-14.26	7.19
Common Equity, 5 Yr. CAGR %	-4.56	-4.89	-2.14	-3.01	-2.45
Total Assets, 5 Yr. CAGR %	-4.52	-4.57	-7.55	-4.42	3.77
Tangible Book Value, 5 Yr. CAGR %	-4.57	-4.93	-2.16	-3.04	-2.47
Cash From Operations, 5 Yr. CAGR %	-32.74	19.62	18.52	-24.79	25.23
Capital Expenditures, 5 Yr. CAGR %	23.58	18.75	9.28	15.47	8.32
Dividend Per Share, 5 Yr. CAGR %	-	-	-	-	-