Amlak Finance PJSC — Cyborg Score 5/10

Mixed
Islamic Finance / Real Estate Finance

Strategic Profile

The company specializes in Islamic financing and investing activities based on various structures, such as Ijara, Murabaha, Mudaraba, Wakala, and Musharaka. Amlak provides home finance products like Ijarah, property management services through Edaara, buy-to-let financing through Istithmari, and construction property financing through Tatweer.

Cyborg Score Rationale

As of September 2025, Amlak trades at $0.48 per share with a market cap of $727M. FY24 net profit was AED 52 million with focus on debt management, indicating recovery but modest profitability in a stabilizing real estate market.

Top Insights

  • Early settlement of AED 898 million with financiers marking financial discipline and strategic progress
  • Trailing 12-month revenue of $643M as of September 2025
  • Primary industry classification is Consumer Finance
  • Diversified across three business segments reducing single-market dependency

Named Competitors

  • Home Finance — Conventional real estate financing through major banking institutions
  • Islamic Real Estate Finance — Competing Sharia-compliant financing solutions in Middle East

Recent Developments

  • (September 2025) Market capitalization of $727M with 1.5B shares outstanding
  • (FY 2024) Net profit of AED 52 million achieved amid debt management efforts
  • (Recent) Early settlement of AED 898 million with financiers completed

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