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    Regional banks
Mashreqbank PSC

Mashreqbank PSC

DDFM:MASQ
305.00
AED
-3.00
(-0.97%)
51.14BMarket Cap
Nov 10Next Earn
Mashreqbank PSC
DFM:MASQ
(Dubai Financial Market)

Recent

price

305.00

P/E

ratio

- -

div

yld

3.38%

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
AED
23.14
21.65
23.08
28.27
33.74
35.55
36.79
30.49
29.5
30.16
25.64
28.93
36.4
53.46
66.87
62.78
- -
Revenue per Share
4.34
4.09
6.54
9
11.97
11.97
9.6
10.23
10.27
10.29
-6.37
5
18.59
42.82
44.45
34.09
- -
Basic EPS, GAAP
5.49
-20.39
10.2
16.97
23.51
22.27
14.06
-35.31
9.59
-8.96
23.57
46.51
87.4
53.07
28.17
-11.08
- -
Free Cash Flow per Basic Share
- -
1.73
1.69
3.24
3.45
3.46
3.62
3.63
3.62
3.54
3.54
0.16
1.16
9.16
18.66
21.26
10.32
Dividend per Share
59.04
61.13
65.97
72.02
80.57
88.57
93.5
101.51
100.41
107.34
96.86
100.83
117.64
151.21
183.01
196.27
213.27
Book Value per Share
59.04
61.13
65.84
71.88
80.44
88.48
93.43
101.44
100.36
106.03
95.39
99.43
116.49
149.41
181.14
194.16
210.98
Tangible Book Value per Share
201
201
201
201
201
201
201
201
201
201
201
201
201
201
201
201
202
Basic Weighted Avg Shares
4,643
4,342
4,631
5,671
6,769
7,132
7,381
6,117
5,918
6,051
5,145
5,803
7,302
10,724
13,416
12,594
- -
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
143
159
144
143
147
149
156
151
155
223
232
256
330
270
278
295
- -
Depreciation Expense
870
820
1,312
1,806
2,401
2,402
1,926
2,052
2,060
2,065
-1,278
1,002
3,729
8,589
8,917
6,840
- -
Net Income, GAAP
1.11
2.47
2.28
2.11
2.9
2.82
3.67
3.58
1.18
1.05
- -
4.34
3.68
1.74
8.79
15.63
- -
Effective Tax Rate (%)
18.73
18.89
28.34
31.84
35.47
33.68
26.1
33.55
34.81
34.13
-24.84
17.27
51.07
80.1
66.47
54.31
- -
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
5,903
4,634
1,495
2,538
4,008
4,106
4,972
6,226
8,185
11,933
9,698
7,377
7,104
7,042
3,982
15,378
20,833
LT Debt
12,385
12,804
13,820
15,121
16,919
18,486
19,486
21,126
20,766
22,243
20,188
21,024
24,509
31,318
37,780
40,577
44,045
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
4.84
4.36
7.66
10.49
12.01
10.89
8.07
7.78
7.3
6.32
- -
3.19
12.12
24.3
22.01
13.73
- -
Return on Capital (%)
7.52
6.81
10.29
13.05
15.69
14.16
10.55
10.49
10.17
9.91
-6.24
5.05
17.02
31.85
26.6
17.98
- -
Return on Common Equity (%)

Capital Structure

AED

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
201
201
201
Market Capitalization
50,754
41,927
51,135

Working Capital

AED

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
36,009
38,072
44,257
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

AED

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
8.65%
15.3%
7.4%
Free Cash Flow
-111.2%
-8.05%
-139.34%
Net Income, GAAP
3%
40.9%
-23.3%
Sales/Revenue/Turnover
7.49%
20.89%
-6.13%
Total Cash Common Dividend
- -
264.18%
13.93%

Quarterly Revenue

AED

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
3,141
2,986
2,971
4,317
13,416
2025
3,091
3,067
- -
3,204
12,594
2026
3,389
3,400
- -
- -
- -

Quarterly Earnings Per Share

AED

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
10.01
9.95
8.59
15.67
44.45
2025
8.75
7.89
- -
8.73
34.09
2026
9.39
10.01
- -
- -
- -

Quarterly Dividends Per Share

AED

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
18.66
- -
- -
- -
18.66
2025
21.26
- -
- -
- -
21.26
2026
10.4
- -
- -
- -
- -
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Business
Mashreqbank PSC (MASQ.AE), one of the oldest banks in the United Arab Emirates founded in 1967 and headquartered in Dubai, provides a comprehensive range of conventional and Islamic banking services to retail, corporate, SME, and institutional clients across the Middle East, North Africa, South Asia, Europe, and the Americas. The bank operates through Wholesale, Retail, Treasury & Capital Markets, and Insurance & Others segments, offering core products and services including personal banking solutions such as deposits, loans, credit cards, and the digital Mashreq NEO platform with Neo, Neo Nxt, and NeoBiz for individuals and SMEs; corporate and investment banking encompassing trade finance, contracting finance, project finance, cash management, correspondent banking, mergers and acquisitions advisory, IPOs, underwriting, and the Titan platform; NEO CORP for corporate clients; private banking and wealth management; treasury and capital markets; digital IPOs; blockchain services with DIFC; and sustainable financing like green bonds, social bonds, and sustainability-linked loans. Mashreq maintains corporate banking operations in Oman, Bahrain, Qatar, Kuwait, and India; retail and corporate services in Egypt; a full-services digital retail bank in Pakistan launched commercially in September 2025 with USD 100 million committed investment by year-end; operational readiness of its GIFT City branch in India announced in October 2025 for foreign currency loans and trade finance; a new representative office in Turkey opened in June 2025; and full-service branches in New York, London, and Hong Kong. Recent developments include the sale of a majority stake in its payments subsidiary NEOPAY to a consortium led by Arcapita and Dgpays for approximately USD 385 million in September 2024 while retaining a significant minority stake; leading a AED 500 million syndicated loan for the Eastern and Southern African Trade and Development Bank in September 2024 and a USD 88 million facility for Uzbekistan's Agrobank; co-coordinating a USD 1 billion syndicated term loan for Banque Misr in November 2024; launching NEO CORP in Kuwait; and expanding partnerships such as with Al Etihad Payments for Jaywan Cards acceptance on NEOPAY terminals.