National Bank of Fujairah Adjusts Valuation Amid Strong Profit Growth and Low NPA Ratio

National Bank of Fujairah PJSC has recently undergone an evaluation adjustment, reflecting changes in its financial metrics and market position. The bank's valuation grade has been revised to fair, indicating a shift in its perceived value relative to its peers. Key financial indicators show a P/E ratio of 12 and a price-to-book value of 1.25, suggesting a competitive standing within the major banks sector.
In terms of performance, the bank reported a pre-tax profit of AED 347.43 million for the quarter ending June 2025, marking a notable achievement. Additionally, the gross non-performing assets (NPA) ratio reached a low of 4.39%, which may signal effective asset management. The return on equity (ROE) stands at 10.57%, while the return on assets (ROA) is recorded at 0.84%.

Despite a decline in stock performance over the past year, the bank's profits have shown a positive trend, increasing by 16%. This adjustment in evaluation reflects the bank's current standing and operational metrics within the financial landscape.

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