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Companies Financials RAKBANK.AD
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RAKBANK.AD Banks

National Bank of Ras Al Khaimah PSC

$8,60
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Mcap
P/E
EV / Rev
Div yield
6,95 %
Op margin
ROE
19,7 %
Net margin
77,1 %
Debt / equity
0,70
Beta
52w range
Volume
Day range
Prev close
Open
Next earnings
Ex-dividend
TR 1Y
About

National Bank of Ras Al Khaimah PSC operates as a commercial bank within the Financials sector, generating revenue through interest income and banking services.

Business. National Bank of Ras Al Khaimah PSC (RAKBANK.AD) is a commercial bank operating within the Banking Services industry group. The company generates revenue primarily through interest income, consistent with standard commercial banking models. Specific details regarding its operating segments and geographic mix are not available. The bank is identified by the ticker symbol RAKBANK.AD.

Classification62 %
SectorFinancials
Business sectorBanking & Investment Services
Industry groupBanking Services
IndustryBanks
ActivityCommercial Banks
Generated · model-assisted
Sell-side consensus
BUY4 analysts
2 buy2 hold0 sell
Avg 12m price target11,28

Analyst recommendations

4 analysts · consensus Buy
Buy2
Hold2
Sell0
12-month price target
11,28
Consensus of sell-side coverage.
Upcoming events
— missing data
See all catalysts →

At a glance

Score
not yet scored
Valuation
valuation pending
Analysts
Buy
4 analysts · indicative
Ownership
not yet wired
Profitability
19,7 %
return on equity
Quality
not yet scored

What drives this business

The watch-list the newsroom runs for this company — derived from its sector path, sharpened layer by layer. Not investment advice.

— missing data

News & coverage

0
  • No recent newsroom coverage mentioning RAKBANK.
  • Sector rotation

    Sector1D1Mvs mkt
    Materials+2,3 %+6,6 %+1,7 %
    Communication Services+2,2 %−5,5 %+1,6 %
    Energy+0,6 %+3,3 %+0,0 %
    Health Care+0,6 %−0,8 %+0,0 %
    Information Technology+0,6 %+6,7 %+0,0 %
    Consumer Discretionary+0,4 %+7,6 %−0,2 %
    Financials · THIS SECTOR−0,3 %−2,8 %−0,9 %
    Consumer Staples−0,4 %+2,5 %−1,0 %
    Real Estate−0,7 %+10,9 %−1,3 %
    Industrials−1,9 %−3,1 %−2,5 %
    Utilities−1,9 %+28,2 %−2,5 %

    Developing storylines

    No tracked sagas currently linked to RAKBANK.AD. Browse all sagas →

    Analysis

    AI analysis
    Generated · analysis pipeline · tier hybrid · as of 2026-08-04 ↑ At a glance

    Opportunity

    — missing data

    Upcoming catalysts

    Scheduled public events. Informational only — not investment advice.

    • Peers
    • DividendDividend USD 1.75/sh2026-09-25 · Bank of America (BAC)
    • EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · JPMorgan Chase (JPM)
    • EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · Citigroup (C)
    • Macro
    • Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
    • Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
    • Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
    • Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
    • Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
    • Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
    • Macro & political
    • ElectionSE Swedish Election2026-09-14 · SE
    • ElectionUS U.S. Midterms2026-11-03 · US
    • ElectionFR French Legislative2027-06-01 · FR

    Pre-earnings brief

    — missing data

    Signals & dispatch

    peak dispatch · —

    Composite-score breakdown

    Synthesis

    Business

    National Bank of Ras Al Khaimah PSC (RAKBANK.AD) is a commercial bank operating within the Banking Services industry group. The company generates revenue primarily through interest income, consistent with standard commercial banking models. Specific details regarding its operating segments and geographic mix are not available. The bank is identified by the ticker symbol RAKBANK.AD.

    Classification62 %
    SectorFinancials
    Business sectorBanking & Investment Services
    Industry groupBanking Services
    IndustryBanks
    ActivityCommercial Banks
    AI synthesis
    GENERATED

    National Bank of Ras Al Khaimah PSC maintains a capital structure defined by total assets of 105.02 billion AED and total equity of 14.71 billion AED. The bank carries long-term debt of 10.34 billion AED, resulting in a debt-to-equity ratio of 0.7. Liquidity is assessed as medium, with a key flag noting that net cash is negative after subtracting total debt. Operating cash flow stands at 5.90 billion AED, while free cash flow is 1.50 billion AED, supported by capital expenditures of -281.00 million AED.

    Profitability metrics indicate a return on equity of 19.73% and a return on assets of 2.76%. The bank reported net income of 2.60 billion AED against revenue of 3.69 billion AED. Without specific cohort median data provided in the input, these returns are evaluated solely on their absolute magnitude, showing a strong net income margin relative to total revenue.

    Key takeaways
    • The bank generates 2.60 billion AED in net income on 3.69 billion AED in revenue, yielding a high net margin.
    • Return on equity is 19.73%, indicating efficient use of shareholder capital.
    • Debt-to-equity ratio of 0.7 reflects moderate leverage, but net cash is negative after debt subtraction.
    • Analyst sentiment is neutral with a mean recommendation of 2.50 and a mean price target of 11.28 AED.
    • Dilution risk is low as basic and diluted share counts are identical.

    Bull / Bear case

    Generated · model-assisted
    BULL CASE · 3

    Net income surged 25.5% year-over-year to AED 2.6 billion, demonstrating strong profitability growth.

    Analysts project 31.1% upside to a mean price target of AED 11.28.

    Total assets grew 18.9% year-over-year, reflecting robust balance sheet expansion.

    BEAR CASE · 4

    Long-term debt increased to AED 8.6 billion, raising leverage concerns.

    Debt-to-equity ratio of 0.7 exceeds the cohort median of 0.29.

    Revenue growth slowed to 3.5% year-over-year, indicating decelerating top-line momentum.

    The company faces a medium level of liquidity risk.

    In focus — financials by report

    Quarterly
    Annual
    QUARTERLYFiled 2026-04-20
    Q1 2026 · Quarter highlights

    Revenue AED 946.5M, +9,2% YoY; Net income +43,0% YoY.

    RevenueAED 946.5M+9,2 % YoY
    Operating income
    Net incomeAED 1.00B+43,0 % YoY
    Free cash flow-AED 282.0M−141,4 % YoY
    EPS
    Operating cash flowAED 110.6M−85,4 % YoY
    Financials
    Income statement
    RevenueAED 946.5M
    Gross profit
    Operating income
    Net incomeAED 1.00B
    Margins
    Gross margin
    Operating margin
    Net margin106.1%
    FCF margin-29.8%
    Balance sheet
    Total assetsAED 107.32B
    Total liabilitiesAED 93.17B
    Total equityAED 14.16B
    Cash & equivalents
    Long-term debtAED 11.45B
    Cash flow
    Operating cash flowAED 110.6M
    CapEx-AED 64.3M
    Free cash flow-AED 282.0M
    SBC
    Highlights
    • Revenue AED 946.5M, +9,2% YoY
    • Net income +43,0% YoY
    • Free cash flow −141,4% YoY
    • Net margin 106.1%

    Valuation TTM

    Market price
    $8,60
    Market cap
    Enterprise value
    P/E
    Non-GAAP P/E
    EV / Revenue
    EV / Op income
    EV / OCF
    P / B
    P / Tangible book
    Tangible book
    $14.71B
    Net cash
    -$10.34B
    Current ratio
    Debt / equity
    0.7
    ROA
    2.8%
    ROE
    19.7%
    Cash conversion
    203.0%
    CapEx / revenue
    -7.5%
    SBC / revenue
    Dilution ratio
    0.0%

    Revenue by segment

    Market share

    — missing data

    Business relationships

    — missing data

    Supply chain

    — missing data

    Peer comparison

    — missing data

    Market position

    Stress test

    — missing data

    Predictor forecast

    Next quarternear-term
    Earnings · next quarterconf 48 %
    EPS
    Consensus EPS
    1,28
    Predicted surprise
    +0,03
    Beat probability
    48 %
    Analysts
    4
    Other metrics
    Revenue
    no estimate
    Segment revenue
    no estimate
    Margin
    no estimate
    Segment margin
    no estimate
    revision ratio 0,06 · as of 2026-07-08 · Earnings Surprise V1
    Period note: consensus is not fiscal-period-aligned at source — read as consensus vs the last reported actual, not a calibrated same-quarter surprise.
    Full fiscal year~1 year ahead
    Full fiscal year · our forecast vs guidance vs consensus
    MetricOur forecastGuidanceConsensus
    EPSno estimateno estimate1,28
    Revenueno estimateno estimate5,8B AED
    Operating incomeno estimateno estimate4,7B AED
    Full-year consensus mean (period as reported by source) · consensus in AED. Company-level full-year forecast and management guidance are not yet modelled at scale — shown as "no estimate", never inferred.
    Probabilistic model output — not investment advice. · generated 2026-08-04

    Options

    — missing data

    Short squeeze

    — missing data

    Earnings-call key lines

    — missing data

    Consensus distribution

    sell-side coverage
    Recommendation distribution4 analysts
    Strong buy0
    Buy2
    Hold2
    Sell0
    Strong sell0
    12-month price target$11,28 · Median $9,40
    Low $7,90High $18,40
    Operating income · consensus4,7B AED
    EPS surprise
    +0,4 %
    reported vs consensus · beat
    Revenue surprise
    −10,6 %
    reported vs consensus · miss

    Estimate revisions

    consensus EPS · 26-week trend
    — missing data

    Sell-side observations

    Low$7,90
    Mean$11,28
    Median$9,40
    High$18,40
    Spot$8,60
    +31.1 %implied to mean12-month sell-side price targets · ▲ spot

    Themes

    — missing data

    ESG

    — missing data

    Risk factors

    Dilution riskLow
    Liquidity riskMedium
    Filing-based flags
    • Net cash is negative after subtracting total debt.

    Benchmarks vs cohort

    Net Margin77,1 %Best in class
    ROE19,7 %Best in class
    Capex / Rev-7,5 %Below median
    D/E0,70Below median
    Cash Conv2,03Above median

    Corporate actions / M&A

    — missing data

    FX exposure

    — missing data

    Comparable transactions

    — missing data

    Derivatives & instruments

    — missing data

    Actions

    Ask Handelsavisen

    — missing data
    Data sources
    • Market data
    • Market data cache
    • Issuer disclosures
    • Public news
    • Earnings transcripts
    • Consensus estimates
    • ESG data
    • Reference data
    How metrics are computed
    • Return On Equity
      net_income / total_equity
    • Cash Conversion Ratio
      operating_cash_flow / net_income
    • Dilution Ratio
      (shares_outstanding_diluted - shares_outstanding_basic) / shares_outstanding_basic
    • Capex To Revenue
      capital_expenditure / revenue
    • Debt To Equity
      (short_term_debt + long_term_debt) / total_equity
    • Return On Assets
      net_income / total_assets
    Source documents
    • National Bank of Ras Al Khaimah PSC Market data — financials · 2026-07-08
    • National Bank of Ras Al Khaimah PSC Market data — analyst estimates · 2026-07-08
    • National Bank of Ras Al Khaimah PSC Market data — ESG · 2026-07-08

    Ownership & reference

    Insider activity

    — missing data

    Short positioning

    — missing data

    Geographic breakdown

    — missing data
    Listings · one canonical issuer all listings resolve to the canonical
    RAKBANK.ADCanonical
    — · USD

    Intel & risk

    PredictorBeat prob48 %Surprise+0,03Full forecast →
    peak dispatch · —
    OSINT findings
    Dilution riskLow
    Liquidity riskMedium
    Net cash is negative after subtracting total debt.
    Relationship graph
    RAKBANKJPMBACCBanks
    This companyPeerSector

    Evidence & claims

    From filings & derived data
    — missing data

    The Thread

    Everything we know, in order
    2026-06-30 03:38 UTCEARNINGSUpcomingForecast: earnings_forecast (90d)
    2026-04-20 16:22 UTCEARNINGSQuarterly results — Q1 2026 Revenue AED 946.5M · Net AED 1.00B
    2026-01-27 19:43 UTCEARNINGSQuarterly results — Q4 2025 Revenue AED 960.8M · Net AED 526.2M
    2026-01-27 19:43 UTCEARNINGSAnnual results — FY 2026 Revenue AED 3.69B · Net AED 2.60B
    2025-10-23 18:40 UTCEARNINGSQuarterly results — Q3 2025 Revenue AED 948.9M · Net AED 705.3M
    2025-07-21 16:23 UTCEARNINGSQuarterly results — Q2 2025 Revenue AED 909.0M · Net AED 666.6M
    2025-04-21 12:36 UTCEARNINGSQuarterly results — Q1 2025 Revenue AED 866.9M · Net AED 702.2M
    2025-01-23 17:24 UTCEARNINGSQuarterly results — Q4 2024 Revenue AED 898.6M · Net AED 385.3M
    2025-01-23 17:24 UTCEARNINGSAnnual results — FY 2025 Revenue AED 3.56B · Net AED 2.07B
    2024-10-21 15:28 UTCEARNINGSQuarterly results — Q3 2024 Revenue AED 901.7M · Net AED 597.8M
    2024-07-29 13:26 UTCEARNINGSQuarterly results — Q2 2024 Revenue AED 882.3M · Net AED 515.8M
    2024-01-29 20:06 UTCEARNINGSAnnual results — FY 2024 Revenue AED 3.34B · Net AED 1.78B
    2023-02-13 14:15 UTCEARNINGSAnnual results — FY 2023 Revenue AED 2.49B · Net AED 1.17B
    2022-02-01 14:21 UTCEARNINGSAnnual results — FY 2022 Revenue AED 2.17B · Net AED 756.1M
    The entity's full life in the product — typed, chronological, joined across Newspaper, Platform and Data. Our memory, made visible.
    Sources filings · IR · transcripts · market data · tier hybrid · as of 2026-08-04 Market data · Issuer disclosures · Public news · Earnings transcripts · Consensus estimates · ESG data · Reference data Premium coverage