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
2.2%
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
13
Industry P/E
Price to Book Value
3.05
EV to EBIT
7.04
EV to EBITDA
6.72
EV to Capital Employed
-269.76
EV to Sales
3.62
PEG Ratio
0.74
Dividend Yield
3.81%
ROCE (Latest)
Negative Capital Employed
ROE (Latest)
24.32%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
Mildly Bearish
Bearish
OBV
Mildly Bearish
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend9What is working for the Company
GROSS NPA (%)
(Q
NII(Q)
Highest at AED 2,434.77 MM
NET SALES(Q)
Highest at AED 3,982.59 MM
CASH AND EQV(HY)
Highest at AED 81,404.2 MM
-6What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at AED -1,859.81 MM
DIVIDEND PAYOUT RATIO(Y)
Lowest at 0%
DIVIDEND PER SHARE(HY)
Lowest at AED 0
OPERATING PROFIT MARGIN(Q)
Lowest at 48.58 %
Here's what is working for Abu Dhabi Islamic Bank
Non Performing Loans (%)
Lowest at 2.66% 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 2,434.77 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Net Sales
Highest at AED 3,982.59 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (AED MM)
Cash and Eqv
Highest at AED 81,404.2 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Depreciation
Highest at AED 94.45 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 -1,859.81 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)
Operating Profit Margin
Lowest at 48.58 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Dividend per share
Lowest at AED 0
in the last five yearsMOJO Watch
Company is distributing lower dividend than previous years
DPS (AED)
Dividend Payout Ratio
Lowest at 0%
in the last five yearsMOJO Watch
Company is distributing lower proportion of profits generated as dividend
DPR (%)
Capital Adequacy Ratio
Lowest at 14.63%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
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