ScoreWhy is Abu Dhabi Islamic Bank ?
1
The company has declared Positive results for the last 13 consecutive quarters
- GROSS NPA (%)(Q) Lowest at 3.21%
- NET SALES(Q) Highest at AED 3,550.4 MM
- NII(Q) Highest at AED 2,243.69 MM
2
Consistent Returns over the last 3 years
- Along with generating 88.40% returns in the last 1 year, the stock has outperformed Abu Dhabi Securities Exchange in each of the last 3 annual periods
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to Abu Dhabi Islamic Bank should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Abu Dhabi Islamic Bank for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
Abu Dhabi Islamic Bank
-100.0%
4.33
25.65%
Abu Dhabi Securities Exchange
-1.29%
1.13
8.08%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
30.20%
EBIT Growth (5y)
41.01%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
55.60%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
12
Industry P/E
Price to Book Value
3.21
EV to EBIT
8.02
EV to EBITDA
7.65
EV to Capital Employed
7.72
EV to Sales
4.12
PEG Ratio
0.72
Dividend Yield
4.60%
ROCE (Latest)
96.31%
ROE (Latest)
26.57%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Bullish
Moving Averages
Bearish (Daily)
KST
Bearish
Mildly Bearish
Dow Theory
Mildly Bullish
Mildly Bearish
OBV
No Trend
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend11What is working for the Company
GROSS NPA (%)
(Q
NII(Q)
Highest at AED 2,451.77 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 90.96%
NET SALES(Q)
Highest at AED 4,124.16 MM
OPERATING PROFIT(Q)
Highest at AED 2,172.82 MM
PRE-TAX PROFIT(Q)
Highest at AED 2,182.17 MM
NET PROFIT(Q)
Highest at AED 1,754.33 MM
EPS(Q)
Highest at AED 0.48
-3What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at AED -1,000.53 MM
Here's what is working for Abu Dhabi Islamic Bank
Non Performing Loans (%)
Lowest at 2.02% and Fallen
In each half year in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are falling
Non Performing Loans (%)
NII
Highest at AED 2,451.77 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (AED MM)
Net Sales
Highest at AED 4,124.16 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (AED MM)
Operating Profit
Highest at AED 2,172.82 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (AED MM)
Pre-Tax Profit
Highest at AED 2,182.17 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (AED MM)
Net Profit
Highest at AED 1,754.33 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (AED MM)
EPS
Highest at AED 0.48
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (AED)
Credit Deposit Ratio
Highest at 90.96%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Depreciation
Highest at AED 95.84 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (AED MM)
Here's what is not working for Abu Dhabi Islamic Bank
Operating Cash Flow
Lowest at AED -1,000.53 MM and Fallen
In each year in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (AED MM)
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