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Mashreqbank PSC (MASQ.AE)

AED257.00 +2.50 (+0.98%)
AE DFM Financial Services Banks - Regional
Address PO Box 1250
Dubai, AE
CEO Ahmed Mohamed Abdelaal
IPO 2010-11-28
ISIN AEM000101018

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Description

Mashreqbank PSC is a prominent financial institution delivering a broad spectrum of banking and financial solutions to both individual clients and small-to-medium-sized businesses. Its Wholesale division caters to corporate and commercial entities, offering specialized services such as trade, contracting, and project finance, investment banking advisory, cash management, correspondent banking, and Sharia-compliant products. The Retail segment provides a comprehensive array of personal banking options, including current, savings, and fixed deposit accounts (like the distinct Mashreq Millionaire deposits). It also extends various lending facilities such as personal, auto, mortgage, and business loans, alongside credit and debit cards. Additional retail services encompass bank assurance, overdrafts, priority banking, SME banking, private wealth management, and Islamic financial products. Within its Treasury & Capital Markets operations, the bank facilitates transactional services across foreign exchange, derivatives, margin FX, futures, and hedging. It also deals in investment products, domestic equities, and asset management, in addition to engaging in proprietary trading and investment activities. Beyond traditional banking, Mashreqbank's Insurance and Other segments offer an extensive suite of insurance products, covering life, health, motor, marine cargo and hull, aviation, fire and general accident, engineering, liability, and personal lines. Furthermore, the company is involved in reinsurance, brokerage, employment services, trading, special purpose vehicles, payment processing, asset and fund management, general finance, and IT services. Established in 1967 and headquartered in Dubai, United Arab Emirates, Mashreqbank PSC operates an international network of branches across the United Arab Emirates, Bahrain, Kuwait, Egypt, Hong Kong, India, Qatar, Pakistan, the United Kingdom, and the United States.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
AED257.00 +2.50 (+0.98%)
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Volume Profile
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Liquidity & share structure
Average Volume
8.2K
Beta
-0.35
Float Shares
28.89M
Free Float %
14.4%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+0.00% +0.87% +7.39% +0.41% +1.67% -3.56% +1.79% +95.20% +352.02% +293.87% +248.82%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
257.00
DCF (Unlevered) 2,638.48 +926.6%
DCF (Levered) 4,884.06 +1,800.4%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Ratings Trend (MoM) 100% Bullish
Rating 2026-05 Change
Strong Buy 0 0
Buy 2 0
Hold 0 -1
Sell 0 0
Strong Sell 0 0
Quality scores
Altman Z-Score
0.38
Distress
Piotroski F-Score
6 / 9
Average
Operational MOAT
★ Strong MOAT
  • Revenue growth
    +18.8% Q1'26: +35.7% (vs Q1'25)
  • EPS growth
    -25.8% Q1'26: +4.6% (vs Q1'25)
  • FCF margin
    Q1'26: +28.7% (vs Q1'25)
  • EBIT margin
    Q1'26: +35.1% (vs Q1'25)
  • ROIC
    Q1'26: +10.9% (vs Q1'25)
  • Share dilution
    +0.0% Q1'26: +0.0% (vs Q1'25)
  • Debt / EBITDA
    Q1'26: 7.35× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (-0.40) × ERP
WACC = 43% × Ke + 57% × Kd (12.0%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 2,638.48 Current price: 257.00
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Dec 2015
actual
Dec 2016
actual
Dec 2017
actual
Dec 2018
actual
Dec 2019
actual
Dec 2020
actual
Dec 2021
actual
Dec 2022
actual
Dec 2023
actual
Dec 2024
actual
Dec 2025
actual
Dec 2026
1 Rev. Ana.
1 EPS Ana.
Dec 2027
1 Rev. Ana.
1 EPS Ana.
Dec 2028
1 Rev. Ana.
1 EPS Ana.
Revenue
6.00B
est.
8.73B
est: 6.17B (+41.4%)
7.56B
est: 6.04B (+25.1%)
8.01B
est: 6.05B (+32.4%)
8.67B
est: 5.95B (+45.6%)
7.26B
est: 5.13B (+41.4%)
7.31B
est: 5.84B (+25.1%)
9.56B
est: 7.28B (+31.4%)
15.78B
est: 13.26B (+19.0%)
20.31B
est: 12.64B (+60.6%)
24.13B
est: 12.58B (+91.8%)
13.15B
13.15B – 13.15B
+4.5% YoY
14.75B
14.39B – 15.11B
+12.1% YoY
17.19B
17.19B – 17.19B
+16.5% YoY
EBITDA
1.91B
est.
2.18B
est: 1.96B (+11.4%)
2.32B
est: 1.92B (+20.7%)
2.24B
est: 1.92B (+16.7%)
2.38B
est: 1.89B (+25.9%)
-921.45M
est: 1.63B (-156.5%)
1.38B
est: 1.86B (-25.6%)
4.30B
est: 2.31B (+85.9%)
9.10B
est: 5.47B (+66.2%)
10.16B
est: 5.22B (+94.7%)
8.41B
est: 5.19B (+62.0%)
5.43B
5.43B – 5.43B
+4.5% YoY
6.09B
5.94B – 6.24B
+12.1% YoY
7.10B
7.10B – 7.10B
+16.5% YoY
EBIT
1.75B
est.
2.03B
est: 1.80B (+12.8%)
2.17B
est: 1.76B (+23.1%)
2.09B
est: 1.76B (+18.5%)
2.16B
est: 1.73B (+24.5%)
-1.15B
est: 1.50B (-177.1%)
1.12B
est: 1.70B (-33.9%)
3.97B
est: 2.12B (+87.2%)
8.83B
est: 5.19B (+70.1%)
9.89B
est: 4.95B (+99.7%)
8.26B
est: 4.93B (+67.7%)
5.15B
5.15B – 5.15B
+4.5% YoY
5.78B
5.63B – 5.92B
+12.1% YoY
6.73B
6.73B – 6.73B
+16.5% YoY
Net Income
2.47B
est.
1.93B
est: 1.96B (-1.9%)
2.05B
est: 2.09B (-1.8%)
2.06B
est: 2.14B (-3.9%)
2.07B
est: 2.16B (-4.3%)
-1.28B
est: 395.89M (-422.8%)
1.00B
est: 186.41M (+437.6%)
3.73B
est: 3.25B (+14.8%)
8.59B
est: 9.08B (-5.4%)
8.92B
est: 6.45B (+38.3%)
6.84B
est: 6.49B (+5.4%)
6.78B
6.78B – 6.78B
+4.5% YoY
7.27B
7.27B – 7.27B
+7.2% YoY
8.18B
8.18B – 8.18B
+12.5% YoY
SGA
609.11M
est.
885.99M
est: 626.52M (+41.4%)
839.09M
est: 613.52M (+36.8%)
923.02M
est: 614.59M (+50.2%)
2.62B
est: 604.39M (+334.0%)
1.17B
est: 521.13M (+125.2%)
900.65M
est: 593.06M (+51.9%)
832.01M
est: 738.87M (+12.6%)
1.14B
est: 1.15B (-0.5%)
1.28B
est: 1.10B (+17.2%)
2.10B
est: 1.09B (+93.1%)
1.14B
1.14B – 1.14B
+4.5% YoY
1.28B
1.25B – 1.31B
+12.1% YoY
1.49B
1.49B – 1.49B
+16.5% YoY
EPS
12.32
est.
9.60
est: 9.79 (-1.9%)
10.23
est: 10.42 (-1.8%)
10.27
est: 10.68 (-3.9%)
10.29
est: 10.75 (-4.3%)
-6.37
est: 1.97 (-422.8%)
5.00
est: 0.93 (+438.1%)
18.59
est: 16.19 (+14.8%)
42.82
est: 45.24 (-5.4%)
44.45
est: 32.15 (+38.3%)
32.98
est: 32.35 (+2.0%)
33.81
33.81 – 33.81
+4.5% YoY
36.24
36.24 – 36.24
+7.2% YoY
40.78
40.78 – 40.78
+12.5% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-25 A- 4/5 4/5 5/5 4/5 1/5 4/5 2/5
2026-05-22 A- 4/5 4/5 5/5 4/5 1/5 4/5 2/5
2026-05-21 A- 4/5 4/5 5/5 4/5 1/5 4/5 2/5
2026-05-20 A- 4/5 4/5 5/5 4/5 1/5 4/5 2/5
2026-05-19 A- 4/5 4/5 5/5 4/5 1/5 4/5 2/5
2026-05-18 A- 4/5 4/5 5/5 4/5 1/5 4/5 2/5
2026-05-15 A- 4/5 4/5 5/5 4/5 1/5 4/5 2/5
2026-05-14 A- 4/5 4/5 5/5 4/5 1/5 4/5 2/5
2026-05-13 A- 4/5 4/5 5/5 4/5 1/5 4/5 2/5
2026-05-12 A- 4/5 4/5 5/5 4/5 1/5 4/5 2/5
2026-05-11 A- 4/5 4/5 5/5 4/5 1/5 4/5 2/5
2026-05-08 A- 4/5 4/5 5/5 5/5 1/5 4/5 2/5
2026-05-07 A- 4/5 4/5 5/5 5/5 1/5 4/5 2/5
2026-05-06 A- 4/5 4/5 5/5 5/5 1/5 4/5 2/5
2026-05-05 A- 4/5 4/5 5/5 5/5 1/5 4/5 2/5
2026-05-04 A- 4/5 4/5 5/5 5/5 1/5 4/5 2/5
2026-05-01 A- 4/5 4/5 5/5 5/5 1/5 4/5 2/5
2026-04-30 A- 4/5 4/5 5/5 5/5 1/5 4/5 2/5
2026-04-29 A- 4/5 4/5 5/5 5/5 1/5 4/5 2/5
2026-04-28 A- 4/5 4/5 5/5 5/5 1/5 4/5 2/5
2026-04-27 A- 4/5 4/5 5/5 5/5 1/5 4/5 2/5
2026-04-24 A- 4/5 4/5 5/5 5/5 1/5 4/5 2/5
2026-04-23 A- 4/5 4/5 5/5 5/5 1/5 4/5 2/5
2026-04-22 A- 4/5 4/5 5/5 5/5 1/5 4/5 2/5
2026-04-21 A- 4/5 4/5 5/5 5/5 1/5 4/5 2/5
2026-04-20 A- 4/5 4/5 5/5 5/5 1/5 4/5 2/5
2026-04-17 A- 4/5 4/5 5/5 5/5 1/5 4/5 2/5
2026-04-16 A- 4/5 4/5 5/5 5/5 1/5 4/5 2/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
16.63B
OE per share TTM
82.85
Owner's Yield
33.97%
Maintenance CapEx ratio
6.31%
Maint CapEx / Avg PPE
10.5%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock Held by 3 ETFs in our universe
# ETF Weight Est. AUM exposure TER
1 Franklin Emerging Market Core Dividend Tilt Index ETF DIEM 0.05% 32.4K 0.19%
2 JPMorgan BetaBuilders Emerging Markets Equity ETF BBEM 0.02% 126.1K 0.15%
3 FlexShares Morningstar Emerging Markets Factor Tilt Index Fund TLTE 0.01% 37.7K 0.58%

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
4.32M
Shares Outstanding
200.61M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Ahmed Mohamed Abdelaal Group Chief Executive Officer male
Ali Raza Khan Group Head of Corporate Affairs male
Bassam Moussa Group General Counsel male
Hamda Al Shamali Chief People & Intellectual Capital Officer female
Joel D. Van Dusen Group Head of Corporate & Investment Banking male
Mark Edwards Group Head of Operations male
Mohamed Salah Abdel Hamid Abdel Razek Group Head of Technology, Transformation & Information male
Muna Al Ghurair Group Head of Marketing & Corporate Communications female
Norman Tambach Group Chief Financial Officer male
Scott Ramsay Group Head of Compliance & Bank Money Laundering Reporting Officer male
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits