Amlak Finance PJSC (DFM:AMLAK) Net Debt Paydown Yield % : -1.05% (As of Jul. 18, 2026)

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DFM:AMLAK Amlak Finance PJSC DFM:AMLAK
42 GF Score
Price د.إ1.19
GF Value د.إ19.76
Valuation Possible Value Trap
! 1 Warning Sign
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What is Amlak Finance PJSC Net Debt Paydown Yield %?

Amlak Finance PJSC DFM:AMLAK 42 Net Debt Paydown Yield % is -1.05% as of Jul. 18, 2026. GuruFocus rates DFM:AMLAK with a GF Score™ of 42/100 and a GF Value™ of د.إ19.76 (Possible Value Trap). The stock has 1 warning sign investors should review. Among 1,418 Banks companies, Amlak Finance PJSC ranks better than 50.07% on this metric.

Net Debt Paydown Yield % is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. It is a measure of a company's willingness and ability to reduce its debt. As of today, Amlak Finance PJSC's Net Debt Paydown Yield % was -1.05%.


Amlak Finance PJSC  (DFM:AMLAK) Net Debt Paydown Yield % Explanation

Net Debt Paydown Yield % is the change in average of four quarters of company's total debt over a company's market cap. Assuming the total value of a company remains that same, shareholder value is increased as debt is reduced. In other words, it is a measure of the willingness and ability of a firm's management to pay down debt. Companies that have high debt paydown yields indicate that they are more aggressive with paying down debt.

In the calculation of Net Debt Paydown Yield %, we use the reductions of TTM average total debt one-year-ago and TTM average total debt at present, divided by its Market Cap.

We calculating the TTM average debt by adding up the total debt, calculated by the sum of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation, in the trailing twelve months(TTM) divided by the counts of the total debt, accoring to the company's report frequency.


Amlak Finance PJSC Net Debt Paydown Yield % Related Terms


Amlak Finance PJSC Net Debt Paydown Yield % Historical Data

* Premium members only.

The historical data trend for Amlak Finance PJSC's Net Debt Paydown Yield % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Amlak Finance PJSC Net Debt Paydown Yield % Chart

Amlak Finance PJSC Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Debt Paydown Yield %
Get a 7-Day Free Trial Premium Member Only Premium Member Only -200.07 72.79 132.23 0.52 -0.44

Amlak Finance PJSC Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Net Debt Paydown Yield % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.27 -0.08 0.09 -0.44 -0.77

DFM:AMLAK vs RKT, FNMA, PFSI: Net Debt Paydown Yield % Comparison

For the Mortgage Finance subindustry, Amlak Finance PJSC's Net Debt Paydown Yield %, along with its competitors' market caps and Net Debt Paydown Yield % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Amlak Finance PJSC Net Debt Paydown Yield % vs Banks Industry

For the Banks industry and Financial Services sector, Amlak Finance PJSC's Net Debt Paydown Yield % distribution charts can be found below:

* The bar in red indicates where Amlak Finance PJSC's Net Debt Paydown Yield % falls into.


DFM:AMLAK
42GF Score
Amlak Finance PJSC DFM:AMLAK
Net Debt Paydown Yield % is just one metric. See GF Score™, valuation, warning signs, and more.
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Amlak Finance PJSC Net Debt Paydown Yield % Calculation

Amlak Finance PJSC's Net Debt Paydown Yield % for the quarter that ended in Mar. 2026 is calculated as:

Net Debt Paydown Yield %
=( TTM Average Debt   (1-Year Ago))-TTM Average Debt )/Market Cap
=( 161.66-181.3 )/2565
=-0.77 %

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* All the data are calculated by TTM values. Note that if a companies is traded in several exchanges, then we calculate the company level data for Net Debt Paydown Yield % using the primary share class stock data. The calculation result in definition page is for demonstration purpose only, and it's showing the share class level data. Therefore, the numbers in the calculation may differ from elsewhere if the stock is not a primary share.

What does a Net Debt Paydown Yield % of -1.05% mean?
Amlak Finance PJSC (DFM:AMLAK) has a Net Debt Paydown Yield % of -1.05% as of Jul. 18, 2026. Net Debt Paydown Yield is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. This metric provides insight into a company's willingness and ability to reduce its debt using free cash flow. View historical data on Amlak Finance PJSC and its competitors. According to the industry distribution chart, Amlak Finance PJSC ranks #708 out of 1418 companies in the Banks industry, placing it in the top 49.9%.
Is Amlak Finance PJSC's Net Debt Paydown Yield % too high?
Amlak Finance PJSC's current Net Debt Paydown Yield % is -1.05%. Based on the distribution chart, Amlak Finance PJSC ranks #708 out of 1418 companies in the Banks industry, which is above the industry midpoint. Overall, Amlak Finance PJSC has a GF Score™ of 42/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Amlak Finance PJSC's Net Debt Paydown Yield % compare to RKT and FNMA?
According to the Banks industry distribution chart, Amlak Finance PJSC ranks #708 out of 1418 companies for Net Debt Paydown Yield %. This puts Amlak Finance PJSC in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Debt Paydown Yield % for a Banks company?
A good Net Debt Paydown Yield % depends on the Banks industry context. However, Net Debt Paydown Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Debt Paydown Yield % mean?
A high Net Debt Paydown Yield % can signal that a stock is expensive relative to its fundamentals. Net Debt Paydown Yield is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. This metric provides insight into a company's willingness and ability to reduce its debt using free cash flow. View historical data on Amlak Finance PJSC and its competitors. Amlak Finance PJSC's current Net Debt Paydown Yield % is -1.05%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Amlak Finance PJSC stock overvalued right now?
Based on GuruFocus' analysis, Amlak Finance PJSC (DFM:AMLAK) is currently considered Possible Value Trap. The stock's GF Value™ is د.إ19.76, compared to a current price of د.إ1.19 — trading 94% below its estimated fair value. The current Net Debt Paydown Yield % is -1.05%. Amlak Finance PJSC's overall GF Score™ is 42/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Debt Paydown Yield % calculated?
Net Debt Paydown Yield % is calculated from a company's financial statements. For Amlak Finance PJSC (DFM:AMLAK), the current Net Debt Paydown Yield % is -1.05% as of Jul. 18, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Amlak Finance PJSC (DFM:AMLAK) Overvalued in 2026?

Based on GuruFocus' analysis, Amlak Finance PJSC stock appears to be undervalued. The current stock price of د.إ1.19 is trading 94% below its estimated GF Value™ of د.إ19.76. GuruFocus considers Amlak Finance PJSC to be Possible Value Trap.

Key valuation signals for DFM:AMLAK:

  • Net Debt Paydown Yield %: -1.05%
  • GF Value™: د.إ19.76 vs. price of د.إ1.19 (94% below fair value)
  • GF Score™: 42/100 with 1 warning sign

No single metric tells the full story. See the DFM:AMLAK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Amlak Finance PJSC Business Description

Address Office No. 1803, 18th floor, Grosvenor Business Tower, Barsha Heights, Dubai, ARE
Amlak Finance PJSC is licensed as a finance company. It is mainly focused on financing and investing activities based on structures such as Ijara, Murabaha, Mudaraba, Wakala, and Musharaka. All activities of the Company are conducted in accordance with Islamic Sharia and within the provisions of its Articles and Memorandum of Association. The Group is organised into the following three business segments: Real Estate Financing, Real Estate Investments, and Corporate Finance Investments. The majority of revenue is from Real Estate Investments.
42GF Score

Get the complete analysis for DFM:AMLAK

Net Debt Paydown Yield % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

د.إ1.19
Price
د.إ19.76
GF Value