Board Change • Jun 26
Less than half of directors are independent There is 1 new director who has joined the board in the last 3 years. The new board member was not an independent director. The company's board is composed of: 1 new director. 6 experienced directors. No highly experienced directors. 2 independent directors (5 non-independent directors). Independent Director Edward Quinlan was the last independent director to join the board, commencing their role in 2021. The following issues are considered to be risks according to the Simply Wall St Risk Model: Minority of independent directors. Insufficient board refreshment. Board Change • Jun 04
Less than half of directors are independent There is 1 new director who has joined the board in the last 3 years. The new board member was not an independent director. The company's board is composed of: 1 new director. 6 experienced directors. No highly experienced directors. 2 independent directors (5 non-independent directors). Independent Director Edward Quinlan was the last independent director to join the board, commencing their role in 2021. The following issues are considered to be risks according to the Simply Wall St Risk Model: Minority of independent directors. Insufficient board refreshment. New Risk • May 11
New minor risk - Profit margin trend The company's profit margins are lower than last year and have reduced by more than 30%. Net profit margin: 34% Last year net profit margin: 51% This is considered a minor risk. A large drop in profit margin could indicate the company does not have strong competitive advantages or it is yet to establish itself and its core business. Even if it is a well established business, this may make it a much riskier investment than one that has a combination of proven competitive advantages and a stable or growing profit margin. Currently, the following risks have been identified for the company: Major Risk Shares are highly illiquid. Minor Risk Profit margins are more than 30% lower than last year (34% net profit margin). Reported Earnings • May 11
First quarter 2026 earnings released: EPS: د.إ0.53 (vs د.إ2.54 in 1Q 2025) First quarter 2026 results: EPS: د.إ0.53 (down from د.إ2.54 in 1Q 2025). Revenue: د.إ49.5m (flat on 1Q 2025). Net income: د.إ5.35m (down 79% from 1Q 2025). Profit margin: 11% (down from 52% in 1Q 2025). Over the last 3 years on average, earnings per share has fallen by 26% per year but the company’s share price has only fallen by 18% per year, which means it has not declined as severely as earnings. Board Change • Apr 30
Less than half of directors are independent There is 1 new director who has joined the board in the last 3 years. The new board member was not an independent director. The company's board is composed of: 1 new director. 6 experienced directors. No highly experienced directors. 2 independent directors (5 non-independent directors). Independent Director Edward Quinlan was the last independent director to join the board, commencing their role in 2021. The following issues are considered to be risks according to the Simply Wall St Risk Model: Minority of independent directors. Insufficient board refreshment. Board Change • Mar 18
Less than half of directors are independent There is 1 new director who has joined the board in the last 3 years. The new board member was not an independent director. The company's board is composed of: 1 new director. 7 experienced directors. No highly experienced directors. 2 independent directors (6 non-independent directors). Independent Director Edward Quinlan was the last independent director to join the board, commencing their role in 2021. The following issues are considered to be risks according to the Simply Wall St Risk Model: Minority of independent directors. Insufficient board refreshment. Announcement • Mar 05
Emirates Investment Bank P.J.S.C., Annual General Meeting, Mar 31, 2026 Emirates Investment Bank P.J.S.C., Annual General Meeting, Mar 31, 2026, at 11:30 Arabian Standard Time. Location: dubai United Arab Emirates Reported Earnings • Feb 13
Full year 2025 earnings released: EPS: د.إ8.36 (vs د.إ10.87 in FY 2024) Full year 2025 results: EPS: د.إ8.36 (down from د.إ10.87 in FY 2024). Revenue: د.إ188.7m (down 9.5% from FY 2024). Net income: د.إ83.6m (down 23% from FY 2024). Profit margin: 44% (down from 52% in FY 2024). The decrease in margin was primarily driven by lower revenue. Announcement • Feb 07
Emirates Investment Bank Appoints Michel Longhini as CEO Emirates Investment Bank appointed Michel Longhini as CEO and will join the Dubai-based institution soon. Longhini joined FAB in 2023 from Edmond de Rothschild. Announcement • Feb 05
Emirates Investment Bank P.J.S.C. to Report Fiscal Year 2025 Results on Feb 10, 2026 Emirates Investment Bank P.J.S.C. announced that they will report fiscal year 2025 results on Feb 10, 2026 Board Change • Dec 24
Less than half of directors are independent There is 1 new director who has joined the board in the last 3 years. The new board member was not an independent director. The company's board is composed of: 1 new director. 6 experienced directors. No highly experienced directors. 2 independent directors (5 non-independent directors). Independent Director Edward Quinlan was the last independent director to join the board, commencing their role in 2021. The following issues are considered to be risks according to the Simply Wall St Risk Model: Minority of independent directors. Insufficient board refreshment. Board Change • Nov 17
Less than half of directors are independent There is 1 new director who has joined the board in the last 3 years. The new board member was not an independent director. The company's board is composed of: 1 new director. 6 experienced directors. No highly experienced directors. 2 independent directors (5 non-independent directors). Independent Director Edward Quinlan was the last independent director to join the board, commencing their role in 2021. The following issues are considered to be risks according to the Simply Wall St Risk Model: Minority of independent directors. Insufficient board refreshment. Announcement • Oct 31
Emirates Investment Bank P.J.S.C. to Report Q3, 2025 Results on Nov 07, 2025 Emirates Investment Bank P.J.S.C. announced that they will report Q3, 2025 results on Nov 07, 2025 Board Change • Oct 23
Less than half of directors are independent There is 1 new director who has joined the board in the last 3 years. The new board member was not an independent director. The company's board is composed of: 1 new director. 6 experienced directors. No highly experienced directors. 2 independent directors (5 non-independent directors). Independent Director Edward Quinlan was the last independent director to join the board, commencing their role in 2021. The following issues are considered to be risks according to the Simply Wall St Risk Model: Minority of independent directors. Insufficient board refreshment. Board Change • Sep 24
Less than half of directors are independent There is 1 new director who has joined the board in the last 3 years. The new board member was not an independent director. The company's board is composed of: 1 new director. 6 experienced directors. No highly experienced directors. 2 independent directors (5 non-independent directors). Independent Director Edward Quinlan was the last independent director to join the board, commencing their role in 2021. The following issues are considered to be risks according to the Simply Wall St Risk Model: Minority of independent directors. Insufficient board refreshment. Board Change • Aug 26
Less than half of directors are independent There is 1 new director who has joined the board in the last 3 years. The new board member was not an independent director. The company's board is composed of: 1 new director. 6 experienced directors. No highly experienced directors. 2 independent directors (5 non-independent directors). Independent Director Edward Quinlan was the last independent director to join the board, commencing their role in 2021. The following issues are considered to be risks according to the Simply Wall St Risk Model: Minority of independent directors. Insufficient board refreshment. Reported Earnings • May 10
First quarter 2025 earnings released: EPS: د.إ2.54 (vs د.إ3.11 in 1Q 2024) First quarter 2025 results: EPS: د.إ2.54 (down from د.إ3.11 in 1Q 2024). Revenue: د.إ49.4m (down 11% from 1Q 2024). Net income: د.إ25.4m (down 18% from 1Q 2024). Profit margin: 52% (down from 56% in 1Q 2024). Over the last 3 years on average, earnings per share has increased by 60% per year but the company’s share price has fallen by 11% per year, which means it is significantly lagging earnings. Valuation Update With 7 Day Price Move • Apr 17
Investor sentiment improves as stock rises 18% After last week's 18% share price gain to د.إ87.50, the stock trades at a trailing P/E ratio of 8x. Average trailing P/E is 9x in the Capital Markets industry in United Arab Emirates. Total loss to shareholders of 24% over the past year. Valuation Update With 7 Day Price Move • Mar 24
Investor sentiment deteriorates as stock falls 20% After last week's 20% share price decline to د.إ72.30, the stock trades at a trailing P/E ratio of 6.7x. Average trailing P/E is 9x in the Capital Markets industry in United Arab Emirates. Announcement • Mar 14
Emirates Investment Bank P.J.S.C., Annual General Meeting, Apr 16, 2025 Emirates Investment Bank P.J.S.C., Annual General Meeting, Apr 16, 2025, at 11:30 Arabian Standard Time. Reported Earnings • Feb 15
Full year 2024 earnings released: EPS: د.إ10.87 (vs د.إ14.62 in FY 2023) Full year 2024 results: EPS: د.إ10.87. Revenue: د.إ208.6m (up 13% from FY 2023). Net income: د.إ108.7m (up 1.1% from FY 2023). Profit margin: 52% (down from 58% in FY 2023). The decrease in margin was driven by higher expenses. Announcement • Feb 07
Emirates Investment Bank P.J.S.C. to Report Fiscal Year 2024 Results on Feb 10, 2025 Emirates Investment Bank P.J.S.C. announced that they will report fiscal year 2024 results on Feb 10, 2025 Valuation Update With 7 Day Price Move • Feb 06
Investor sentiment deteriorates as stock falls 16% After last week's 16% share price decline to د.إ82.80, the stock trades at a trailing P/E ratio of 7.5x. Average trailing P/E is 10x in the Capital Markets industry in United Arab Emirates. Total loss to shareholders of 11% over the past three years. Board Change • Jan 29
Less than half of directors are independent Following the recent departure of a director, there are only 2 independent directors on the board. The company's board is composed of: 2 independent directors. 6 non-independent directors. Independent Director Edward Quinlan was the last independent director to join the board, commencing their role in 2021. The company's minority of independent directors is a risk according to the Simply Wall St Risk Model. Board Change • Jan 02
Less than half of directors are independent Following the recent departure of a director, there are only 2 independent directors on the board. The company's board is composed of: 2 independent directors. 6 non-independent directors. Independent Director Edward Quinlan was the last independent director to join the board, commencing their role in 2021. The company's minority of independent directors is a risk according to the Simply Wall St Risk Model. Reported Earnings • Nov 13
Third quarter 2024 earnings released: EPS: د.إ2.33 (vs د.إ2.58 in 3Q 2023) Third quarter 2024 results: EPS: د.إ2.33 (down from د.إ2.58 in 3Q 2023). Revenue: د.إ47.3m (up 6.2% from 3Q 2023). Net income: د.إ23.3m (down 9.4% from 3Q 2023). Profit margin: 49% (down from 58% in 3Q 2023). The decrease in margin was driven by higher expenses. Valuation Update With 7 Day Price Move • Nov 01
Investor sentiment deteriorates as stock falls 19% After last week's 19% share price decline to د.إ92.35, the stock trades at a trailing P/E ratio of 8.2x. Average trailing P/E is 14x in the Capital Markets industry in United Arab Emirates. Total loss to shareholders of 16% over the past year. Board Change • Oct 16
Less than half of directors are independent Following the recent departure of a director, there are only 2 independent directors on the board. The company's board is composed of: 2 independent directors. 6 non-independent directors. Independent Director Edward Quinlan was the last independent director to join the board, commencing their role in 2021. The company's minority of independent directors is a risk according to the Simply Wall St Risk Model. Reported Earnings • Aug 15
Second quarter 2024 earnings released: EPS: د.إ2.92 (vs د.إ4.37 in 2Q 2023) Second quarter 2024 results: EPS: د.إ2.92. Revenue: د.إ56.3m (up 39% from 2Q 2023). Net income: د.إ29.2m (up 42% from 2Q 2023). Profit margin: 52% (up from 51% in 2Q 2023). The increase in margin was driven by higher revenue. Announcement • Aug 10
Emirates Investment Bank P.J.S.C. to Report Q2, 2024 Results on Aug 13, 2024 Emirates Investment Bank P.J.S.C. announced that they will report Q2, 2024 results on Aug 13, 2024 Valuation Update With 7 Day Price Move • Jul 30
Investor sentiment improves as stock rises 30% After last week's 30% share price gain to د.إ117, the stock trades at a trailing P/E ratio of 11.2x. Average trailing P/E is 16x in the Capital Markets industry in United Arab Emirates. Reported Earnings • May 16
First quarter 2024 earnings released: EPS: د.إ3.11 (vs د.إ9.73 in 1Q 2023) First quarter 2024 results: EPS: د.إ3.11 (down from د.إ9.73 in 1Q 2023). Revenue: د.إ55.2m (up 6.5% from 1Q 2023). Net income: د.إ31.1m (down 8.5% from 1Q 2023). Profit margin: 56% (down from 66% in 1Q 2023). The decrease in margin was driven by higher expenses. Board Change • May 13
Less than half of directors are independent There is 1 new director who has joined the board in the last 3 years. The new board member was an independent director. The company's board is composed of: 1 new director. 7 experienced directors. No highly experienced directors. 3 independent directors (5 non-independent directors). Independent Director Omer Elsheikh was the last independent director to join the board, commencing their role in 2022. The following issues are considered to be risks according to the Simply Wall St Risk Model: Minority of independent directors. Insufficient board refreshment. Board Change • Apr 15
Less than half of directors are independent There is 1 new director who has joined the board in the last 3 years. The new board member was an independent director. The company's board is composed of: 1 new director. 7 experienced directors. No highly experienced directors. 3 independent directors (5 non-independent directors). Independent Director Omer Elsheikh was the last independent director to join the board, commencing their role in 2022. The following issues are considered to be risks according to the Simply Wall St Risk Model: Minority of independent directors. Insufficient board refreshment. Announcement • Feb 28
Emirates Investment Bank P.J.S.C., Annual General Meeting, Mar 26, 2024 Emirates Investment Bank P.J.S.C., Annual General Meeting, Mar 26, 2024, at 07:30 Coordinated Universal Time. Location: Bank head office on 15th floor, Festival Tower, Dubai Festival City Dubai United Arab Emirates Agenda: To review and approve the Directors' report on the Bank's activities and financial position for the financial year ended on 31 December 2023; to review and approve the Auditors' report for the financial year ended on 31 December 2023; to discuss and approve the Balance Sheet and the Profit and Loss Statements of the financial year ended on 31 December 2023; to consider approving the proposal of the Board of Directors not to distribute dividends to the shareholders for the financial year ended on 31 December 2023 based on the justification presented by the Board of Directors in its report to the shareholders; to consider discharge the Auditors of their liability for the financial year ended on 31 December 2023, or not discharge them, remove them, and file a liability lawsuit against them, as the case may be; and to consider other matters. Reported Earnings • Feb 16
Full year 2023 earnings released: EPS: د.إ14.62 (vs د.إ6.76 loss in FY 2022) Full year 2023 results: EPS: د.إ14.62 (up from د.إ6.76 loss in FY 2022). Revenue: د.إ184.5m (up 294% from FY 2022). Net income: د.إ107.5m (up د.إ131.2m from FY 2022). Profit margin: 58% (up from net loss in FY 2022). The move to profitability was driven by higher revenue. Board Change • Jan 31
Less than half of directors are independent Following the recent departure of a director, there are only 3 independent directors on the board. The company's board is composed of: 3 independent directors. 5 non-independent directors. Independent Director Omer Elsheikh was the last independent director to join the board, commencing their role in 2022. The company's minority of independent directors is a risk according to the Simply Wall St Risk Model. Board Change • Oct 11
Less than half of directors are independent Following the recent departure of a director, there are only 3 independent directors on the board. The company's board is composed of: 3 independent directors. 5 non-independent directors. Independent Director Omer Elsheikh was the last independent director to join the board, commencing their role in 2022. The company's minority of independent directors is a risk according to the Simply Wall St Risk Model. New Risk • Aug 15
New major risk - Shareholder dilution The company's shareholders have been substantially diluted in the past year. Increase in shares outstanding: 186% This is considered a major risk. Shareholder dilution occurs when there is an increase in the number of shares on issue that is not proportionally distributed between all shareholders. Often due to the company raising equity capital or some options being converted into stock. All else being equal, if there are more shares outstanding then each existing share will be entitled to a lower proportion of the company's total earnings, thus reducing earnings per share (EPS). While dilution might not always result in lower EPS (like if the company is using the capital to fund an EPS accretive acquisition) in a lot cases it does, along with lower dividends per share and less voting power at shareholder meetings. Currently, the following risks have been identified for the company: Major Risks Shares are highly illiquid. Earnings have declined by 16% per year over the past 5 years. Shareholders have been substantially diluted in the past year (186% increase in shares outstanding). Reported Earnings • Aug 15
Second quarter 2023 earnings released: EPS: د.إ3.56 (vs د.إ0.93 in 2Q 2022) Second quarter 2023 results: EPS: د.إ3.56 (up from د.إ0.93 in 2Q 2022). Revenue: د.إ40.6m (up 122% from 2Q 2022). Net income: د.إ20.6m (up د.إ17.3m from 2Q 2022). Profit margin: 51% (up from 18% in 2Q 2022). The increase in margin was driven by higher revenue. Board Change • Aug 15
No independent directors No new directors have joined the board in the last 3 years. The company's board is composed of: No new directors. 5 experienced directors. No highly experienced directors. No independent directors (5 non-independent directors). Director Abdullah Al Turifi was the last director to join the board, commencing their role in 2019. The following issues are considered to be risks according to the Simply Wall St Risk Model: Lack of independent directors. Insufficient board refreshment. Board Change • Jun 14
No independent directors No new directors have joined the board in the last 3 years. The company's board is composed of: No new directors. 5 experienced directors. No highly experienced directors. No independent directors (5 non-independent directors). Director Abdullah Al Turifi was the last director to join the board, commencing their role in 2019. The following issues are considered to be risks according to the Simply Wall St Risk Model: Lack of independent directors. Insufficient board refreshment. Board Change • Apr 17
No independent directors No new directors have joined the board in the last 3 years. The company's board is composed of: No new directors. 5 experienced directors. No highly experienced directors. No independent directors (5 non-independent directors). Director Abdullah Al Turifi was the last director to join the board, commencing their role in 2019. The following issues are considered to be risks according to the Simply Wall St Risk Model: Lack of independent directors. Insufficient board refreshment. Board Change • Dec 13
No independent directors No new directors have joined the board in the last 3 years. The company's board is composed of: No new directors. 5 experienced directors. No highly experienced directors. No independent directors (5 non-independent directors). Director Abdullah Al Turifi was the last director to join the board, commencing their role in 2019. The following issues are considered to be risks according to the Simply Wall St Risk Model: Lack of independent directors. Insufficient board refreshment. 