Al Ramz Investment and Development Co (DFM:ALRAMZ) Financial Strength: 3 (As of Mar. 2026) — 25% Below Median

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DFM:ALRAMZ Al Ramz Corporation Investment and Development Co DFM:ALRAMZ
76 GF Score
Price د.إ1.50
GF Value د.إ1.95
Valuation Modestly Undervalued
! 7 Warning Signs
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What is Al Ramz Investment and Development Co Financial Strength?

Al Ramz Investment and Development Co DFM:ALRAMZ 76 Financial Strength is 3 as of Mar. 2026, which is 25% below its 10-year median of 4.00. GuruFocus rates DFM:ALRAMZ with a GF Score™ of 76/100 and a GF Value™ of د.إ1.95 (Modestly Undervalued). The stock has 7 warning signs investors should review.

Al Ramz Investment and Development Co has the Financial Strength Rank of 3. It displays poor financial strength and is likely in financial distress. Usually this is caused by too much debt for the company.

Warning Sign:

Al Ramz Corporation Investment and Development Co displays poor financial strength. Usually, this is caused by too much debt for the company.

GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is rated on a scale of 1 to 10 and is based on these factors:

1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.
2. Debt to revenue ratio. The lower, the better.
3. Altman Z-Score.
4. Other debt related ratios.

A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.

Al Ramz Investment and Development Co's Interest Coverage for the quarter that ended in Mar. 2026 was 2.48. Al Ramz Investment and Development Co's debt to revenue ratio for the quarter that ended in Mar. 2026 was 3.48. As of today, Al Ramz Investment and Development Co's Altman Z-Score is 1.07.


Al Ramz Investment and Development Co  (DFM:ALRAMZ) Financial Strength Explanation

The rank is rated on a scale of 1 to 10. A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.

Al Ramz Investment and Development Co has the Financial Strength Rank of 3. It displays poor financial strength and is likely in financial distress. Usually this is caused by too much debt for the company.


Al Ramz Investment and Development Co Financial Strength Related Terms


DFM:ALRAMZ vs MS, GS, SCHW: Financial Strength Comparison

For the Capital Markets subindustry, Al Ramz Investment and Development Co's Financial Strength, along with its competitors' market caps and Financial Strength 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.


Al Ramz Investment and Development Co Financial Strength vs Capital Markets Industry

For the Capital Markets industry and Financial Services sector, Al Ramz Investment and Development Co's Financial Strength distribution charts can be found below:

* The bar in red indicates where Al Ramz Investment and Development Co's Financial Strength falls into.


DFM:ALRAMZ
76GF Score
Al Ramz Corporation Investment and Development Co DFM:ALRAMZ
Financial Strength is just one metric. See GF Score™, valuation, warning signs, and more.
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Al Ramz Investment and Development Co Financial Strength Calculation

GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is based on these factors

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.

Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.

Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:

Al Ramz Investment and Development Co's Interest Expense for the months ended in Mar. 2026 was د.إ-5.3 Mil. Its Operating Income for the months ended in Mar. 2026 was د.إ13.2 Mil. And its Long-Term Debt & Capital Lease Obligation for the quarter that ended in Mar. 2026 was د.إ0.5 Mil.

Al Ramz Investment and Development Co's Interest Coverage for the quarter that ended in Mar. 2026 is

Interest Coverage=-1*Operating Income (Q: Mar. 2026 )/Interest Expense (Q: Mar. 2026 )
=-1*13.247/-5.333
=2.48

The higher the ratio, the stronger the company's financial strength is.

Warning Sign:

Ben Graham prefers companies' interest coverage to be at least 5. Al Ramz Corporation Investment and Development Co interest coverage is 1.82, which is low.

2. Debt to revenue ratio. The lower, the better.

Al Ramz Investment and Development Co's Debt to Revenue Ratio for the quarter that ended in Mar. 2026 is

Debt to Revenue Ratio=Total Debt (Q: Mar. 2026 ) / Revenue
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Revenue
=(613.052 + 0.47) / 176.176
=3.48

3. Altman Z-Score.

Z-Score model is an accurate forecaster of failure up to two years prior to distress. It can be considered the assessment of the distress of industrial corporations.

The zones of discrimination were as such:

When Z-Score is less than 1.81, it is in Distress Zones.
When Z-Score is greater than 2.99, it is in Safe Zones.
When Z-Score is between 1.81 and 2.99, it is in Grey Zones.

Al Ramz Investment and Development Co has a Z-score of 1.07, indicating it is in Distress Zones. This implies bankrupcy possibility in the next two years.

Warning Sign:

Altman Z-score of 1.07 is in distress zone. This implies bankruptcy possibility in the next two years.

* 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.

Frequently Asked Questions Learn more about Financial Strength →
What does a Financial Strength of 3 mean?
Al Ramz Investment and Development Co (DFM:ALRAMZ) has a Financial Strength of 3 as of Mar. 2026. The financial strength rank measures the strength of a company's balance sheet based on revenue and debt. View historical data on Al Ramz Investment and Development Co and its competitors. This is 25% below median its historical median of 4.00. Over the past decade, Al Ramz Investment and Development Co's Financial Strength has ranged from 2.00 to 9.00.
Is Al Ramz Investment and Development Co's Financial Strength too high?
Al Ramz Investment and Development Co's current Financial Strength of 3 is 25% below median its 10-year median of 4.00. Over the past 10 years, this metric has ranged from a low of 2.00 to a high of 9.00. Overall, Al Ramz Investment and Development Co has a GF Score™ of 76/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Al Ramz Investment and Development Co's Financial Strength compare to MS and GS?
Al Ramz Investment and Development Co's Financial Strength of 3 can be compared against companies in the Capital Markets industry. Historically, Al Ramz Investment and Development Co's own Financial Strength has ranged from 2.00 to 9.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Financial Strength for a Capital Markets company?
A good Financial Strength depends on the Capital Markets industry context. However, Financial Strength 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 Financial Strength mean?
A high Financial Strength can signal that a stock is expensive relative to its fundamentals. The financial strength rank measures the strength of a company's balance sheet based on revenue and debt. View historical data on Al Ramz Investment and Development Co and its competitors. Al Ramz Investment and Development Co's current Financial Strength is 3, which is 25% below median its own 10-year median of 4.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Al Ramz Investment and Development Co stock overvalued right now?
Based on GuruFocus' analysis, Al Ramz Investment and Development Co (DFM:ALRAMZ) is currently considered Modestly Undervalued. The stock's GF Value™ is د.إ1.95, compared to a current price of د.إ1.50 — trading 23.1% below its estimated fair value. The current Financial Strength is 3, which is 25% below median its 10-year median of 4.00. Al Ramz Investment and Development Co's overall GF Score™ is 76/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Financial Strength calculated?
Financial Strength is calculated from a company's financial statements. For Al Ramz Investment and Development Co (DFM:ALRAMZ), the current Financial Strength is 3 as of Mar. 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 Al Ramz Investment and Development Co (DFM:ALRAMZ) Overvalued in 2026?

Based on GuruFocus' analysis, Al Ramz Investment and Development Co stock appears to be undervalued. The current stock price of د.إ1.50 is trading 23.1% below its estimated GF Value™ of د.إ1.95. GuruFocus considers Al Ramz Investment and Development Co to be Modestly Undervalued.

Key valuation signals for DFM:ALRAMZ:

  • Financial Strength: 3 (25% below median its 10-year median of 4.00)
  • GF Value™: د.إ1.95 vs. price of د.إ1.50 (23.1% below fair value)
  • GF Score™: 76/100 with 7 warning signs

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


Al Ramz Investment and Development Co Business Description

Address Sheikh zayed road, Rolex tower, Level 9, P.O.Box 121200, Dubai, ARE
Al Ramz Corporation Investment and Development Co is a financial institution providing a variety of services including asset management, corporate finance, brokerage, lending, market making, liquidity providing, and research. The main activities of the company and its subsidiaries are to invest and manage commercial, industrial, and agricultural enterprises and to provide brokerage services including brokerage in selling and buying shares, margin trading, market making, and liquidity providing, and to perform all related transactions and activities.
76GF Score

Get the complete analysis for DFM:ALRAMZ

Financial Strength is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

د.إ1.50
Price
د.إ1.95
GF Value