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    Banks - Diversified
Qatar National Bank (Q.P.S.C.)

Qatar National Bank (Q.P.S.C.)

QNBK.QA
Qatar National Bank (Q.P.S.C.)QA flagQatar Stock Exchange
17.30
QAR
-0.22
- -
157.66BMarket Cap
Qatar National Bank (Q.P.S.C.)
QNBK.QA
(Qatar Stock Exchange)

Recent

price

17.30

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
0.87
1.14
1.21
1.56
1.66
1.7
2.47
2.46
2.61
2.72
2.73
3.01
3.7
4.06
4.38
4.83
3.7
Revenue per Share
0.77
0.85
0.9
1.03
1.13
1.22
1.34
1.42
1.49
1.55
1.3
1.43
1.55
1.68
1.81
1.86
1.39
Basic EPS, GAAP
1.8
0.5
0.21
-1.76
1.96
0.87
2.18
2.64
2.18
1.5
2.55
3.75
6.26
0.01
0.12
-4.03
-1.01
Free Cash Flow per Basic Share
0.16
0.22
0.28
0.45
0.53
0.57
0.27
0.32
0.6
0.6
0.6
0.45
0.55
0.6
0.98
0.72
0.37
Dividend per Share
1.01
1.95
2.24
2.69
3.19
3.63
4.28
5.16
5.46
6.2
6.69
7.4
8.13
8.91
9.47
10.33
10.43
Book Value per Share
3.28
4.84
5.17
5.22
5.68
6.14
7.25
8.11
9.14
9.82
10.06
10.41
11.14
11.65
12.1
13.45
13.49
Tangible Book Value per Share
7,389
8,785
9,236
9,236
9,236
9,236
9,236
9,236
9,236
9,236
9,236
9,236
9,236
9,236
9,232
9,135
9,124
Basic Weighted Avg Shares
6,394
10,050
11,215
14,385
15,325
15,723
22,855
22,762
24,098
25,123
25,218
27,785
34,202
37,516
40,428
44,094
33,799
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
150
193
189
332
331
321
622
561
511
781
741
695
702
793
1,048
1,049
775
Depreciation Expense
5,700
7,509
8,339
9,479
10,455
11,264
12,365
13,128
13,788
14,351
12,003
13,211
14,349
15,511
16,717
17,000
12,643
Net Income, GAAP
0.09
0.31
0.67
4.62
5.95
5.61
7.04
6.5
7.56
7.56
8.36
9.48
14.38
12.79
14.29
21.2
21.68
Effective Tax Rate (%)
89.15
74.71
74.35
65.89
68.22
71.64
54.1
57.68
57.22
57.12
47.6
47.55
41.95
41.35
41.35
38.55
37.41
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
14,321
12,152
19,511
34,162
34,304
31,463
52,555
50,787
51,319
59,643
71,152
66,836
61,320
66,219
73,914
104,735
109,062
LT Debt
24,237
42,635
47,989
53,727
57,962
62,055
70,853
78,746
88,275
94,719
96,902
100,057
106,057
110,207
113,785
124,716
124,997
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
88.41
61.07
44.04
41.62
38.53
35.76
33.85
30.13
28.12
26.64
20.17
20.31
20.01
19.71
19.7
18.71
13.79
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
- -
9,113
9,111
Market Capitalization
170,070
170,803
155,470

Working Capital

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
- -
147,198
159,132
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
7.3%
5.21%
9.61%
Free Cash Flow
-92.19%
-222.74%
-3,360.93%
Net Income, GAAP
4.49%
7.25%
1.69%
Sales/Revenue/Turnover
11.53%
11.96%
9.07%
Total Cash Common Dividend
9.74%
8.5%
-27.31%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
10,201
9,397
10,195
10,635
40,428
2025
10,834
10,695
- -
11,254
44,094
2026
11,850
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.45
0.44
0.49
- -
1.81
2025
0.46
0.45
- -
- -
1.86
2026
0.48
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.65
- -
0.33
- -
0.98
2025
0.37
- -
- -
- -
0.72
2026
0.38
- -
- -
- -
- -
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Business
Qatar National Bank (Q.P.S.C.) (QNBK.QA) operates as Qatar's largest bank and a leading multinational financial institution in the Middle East and Africa region, providing a comprehensive range of conventional and Islamic banking products and services including corporate banking such as trade finance, cash management, project finance, and treasury services; consumer banking encompassing personal loans, mortgages, credit cards, deposits, and wealth management; investment banking featuring advisory, capital markets, and asset management; and digital solutions like mobile and internet banking, self-service machines, contactless payments, digital account opening, multi-currency travel cards, and Fawran instant services. The bank serves corporate clients, SMEs, retail customers, and high-net-worth individuals across more than 31 countries on three continents, with subsidiaries and associates including QNB Al Ahli in Egypt and operations in Turkey, Indonesia, Europe, North America, Southeast Asia, and GCC countries. Founded in 1964 and headquartered in Doha, Qatar, QNB Group employs over 29,000 staff, operates more than 1,000 locations and 4,200 ATMs, and maintains top credit ratings from agencies like Standard & Poor’s (A) and Moody’s (Aa3). In recent developments, the bank led a QAR 4.5 billion financing agreement with Qatar Airways and other Qatari banks in June 2025 to support national vision goals; received approval in October 2025 from Egypt's Central Bank to launch its digital bank ezbank; streamlined its brand identity in 2024 by phasing out Al Ahli in Egypt and Finansbank in Turkey; and expanded international partnerships throughout 2025, including key agreements for cash management and sector-focused solutions in technology and energy.