Finance HouseFF

Finance House

2.30AEDD
+0.01+0.44%
Last update at May 9, 10:55 GMT
AED
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FH fundamentals

Key facts

Market capitalization‪687.47 M‬AED
Basic EPS (TTM)−0.00AED
Founded2004
CEORaman Tirunelveli Kuppuswamy
About

Finance House PJSC engages in the provision of investment, consumer, and commercial financing services.It operates through the following segments: Commercial and Retail Financing, Investment, Islamic Financing and Investing, Insurance, and Brokerage.The Commercial and Retail Financing segment provides loans and other credit facilities for institutional and individual customers. The Investment segment involves in the management of the group's investment portfolio and its treasury activities.The Islamic Financing and Investing segment takes charge of the group's subsidiaries offering investment, consumer and commercial financing, and related services based on Islamic Sharia's rules and principles.The Insurance segment consists of non-life insurance services. The Brokerage segment includes brokerage services.The company was founded on March 13, 2004 and is headquartered in Abu Dhabi, United Arab Emirates.

Ownership
‪‪272.55 M‬‬
Closely held shares
‪‪146.30 M‬‬ (53.68%)
Free Float shares
‪‪126.25 M‬‬ (46.32%)
Closely held shares
‪‪146.30 M‬‬ (53.68%)
Free Float shares
‪‪126.25 M‬‬ (46.32%)
Capital structure
Market cap
‪‪687.47 M‬‬
Debt
‪‪699.43 M‬‬
Minority interest
‪‪33.56 M‬‬
Cash & equivalents
‪‪478.38 M‬‬
Enterprise value
‪‪942.08 M‬‬

Valuation

Fundamental metrics to determine fair value of the stock

Summary
‪‪687.47 M‬‬
Price to earning ratio (P/E)
Price to sales ratio (P/S)
2.15x
Market Cap
Net income
Revenue
Price to earning ratio (P/E)
Price to sales ratio (P/S)
2.15x
Valuation ratios
‪0.00‬
‪0.60‬
‪1.20‬
‪1.80‬
‪2.40‬
Q1 '24
Q2 '24
Q3 '24
Q4 '24
Q1 '25
‪0.00‬
‪40.00‬
‪80.00‬
‪120.00‬
‪160.00‬
P/E
P/S

Growth and Profitability

Company’s recent performance and margins

Performance
‪−21%‬
‪−14%‬
‪−7%‬
‪0%‬
‪7%‬
Q1 '24
Q2 '24
Q3 '24
Q4 '24
Q1 '25
‪‪−30.00 M‬‬
‪0.00‬
‪‪30.00 M‬‬
‪‪60.00 M‬‬
‪‪90.00 M‬‬
Total revenue
Net income
Net margin %
Revenue to profit conversion
Total revenue
Int. expense & PCL
Non-int. expense
Op income
Unusual income/ expense
Pretax income
Taxes & Other
Net income
‪‪−26.00 M‬‬
‪0.00‬
‪‪26.00 M‬‬
‪‪52.00 M‬‬
‪‪78.00 M‬‬
Total revenue
Int. & Non-int. expenses
Op income
Expenses & adjustments
Net income
‪‪−26.00 M‬‬
‪0.00‬
‪‪26.00 M‬‬
‪‪52.00 M‬‬
‪‪78.00 M‬‬

Revenue breakdown

Revenue streams and regions a business earns money from

By source/business
Period: 2024
Commercial and Retail Financing
Other
Investment
By country
Period: 2024
United Arab Emirates

Dividends

Dividend yield, history and sustainability

Dividend summary
0.00%
Payout ratio (TTM)
Dividend yield TTM
0.00%
Last payment
Last ex-date
Last pay date
Dividend history
‪0.00%‬
‪0.15%‬
‪0.30%‬
‪0.45%‬
‪0.60%‬
2020
2021
2022
2023
2024
‪0.00‬
‪0.00‬
‪0.01‬
‪0.01‬
‪0.01‬
Dividends per share (FY)
Dividend yield (FY) %

Financial health

Financial position and solvency of the company

Loans and customer deposits
Q1 '24
Q2 '24
Q3 '24
Q4 '24
Q1 '25
‪‪−800.00 M‬‬
‪0.00‬
‪‪800.00 M‬‬
‪‪1.60 B‬‬
‪‪2.40 B‬‬
Net loans
Total deposits
Loan loss allowances
Capital adequacy analysis
Q1 '24
Q2 '24
Q3 '24
Q4 '24
Q1 '25
Common equity Tier 1 ratio
Tier 1 capital ratio
Total capital ratio