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Earnings Report

Al Ramz Corporation Investment and Development

Q1 26 NEUTRAL LOW Impact

1. Company Overview & Earnings Context

Al Ramz Corporation Investment and Development PJSC reported a strong Q1 2026 performance, supported by higher brokerage activity, increased margin financing income, stronger deposit income, and continued growth across its financial services operations.

The Group continued expanding its activities across brokerage, market making, liquidity providing, asset management, and corporate finance services within the UAE market.

2. Financial Performance Snapshot

  • Net commission income: AED 14.7M (+54% YoY)

  • Net finance income: AED 16.6M (+41% YoY)

  • Corporate finance, advisory & other income: AED 8.8M

  • Total income, net: AED 41.6M (+36% YoY)

  • Profit before tax: AED 13.2M (+75% YoY)

  • Net profit: AED 12.1M (+80% YoY)

  • Earnings per share (EPS): AED 0.022 (vs AED 0.012 YoY)

3. Operational Highlights & Key Metrics

  • Margin receivables: AED 709.9M

  • Trade receivables: AED 19.9M

  • Fair value investment portfolio: AED 48.8M

  • Market making activity:

    • Buy transactions: AED 4.20B

    • Sell transactions: AED 4.20B

  • Assets under management (fiduciary): AED 1.53B

  • Balance sheet & liquidity:

    • Total assets: AED 1.93B

    • Total equity: AED 595.2M

    • Bank balances & cash: AED 1.03B

    • Client deposits: AED 670.3M

    • Short-term borrowings: AED 612.9M

  • Collateral coverage:

    • Fair value of pledged securities against margin receivables: AED 2.14B

  • Dividend approved: AED 38.5M

    • Equivalent to AED 0.07 per share

4. Key Performance Drivers

  • Higher brokerage and commission activity across UAE markets

  • Growth in margin financing business supporting finance income

  • Stronger deposit income benefiting from higher balances and rates

  • Expansion in corporate finance and advisory activities

  • Active market making and liquidity providing operations

  • Increased administrative and staff costs linked to business expansion and operational growth

5. Outlook & Forward Guidance

  • Continued focus on:

    • Expanding brokerage and market-making operations

    • Growing margin financing and lending activities

    • Enhancing corporate finance and advisory capabilities

    • Strengthening asset management and liquidity services

  • Management stated that despite heightened geopolitical tensions in the Middle East, no material operational disruptions were identified as of the reporting date

  • The company continues monitoring regional developments and assessing potential implications on operations and financial performance

6. 🧾 Investor Takeaway

Al Ramz delivered a strong Q1 2026 with significant growth in revenue, profitability, and financing activity, supported by higher brokerage volumes, expanding margin finance operations, and strong liquidity, reinforcing its position as a diversified UAE financial services and capital markets platform.