ScoreWhy is Ajman Bank PJSC ?
1
Healthy long term growth as Net profit has grown by an annual rate of 67.36%
2
The company has declared Positive results for the last 3 consecutive quarters
- ROCE(HY) Highest at 1.69%
- NET PROFIT(9M) Higher at AED 363.12 MM
- CREDIT DEPOSIT RATIO(HY) Highest at 92.93%
3
With ROA of 1.23%, it has a fair valuation with a 1.22 Price to Book Value
- The stock is trading at a premium compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of -22.49%, its profits have risen by 203% ; the PEG ratio of the company is 0.1
4
Underperformed the market in the last 1 year
- Even though the market (Abu Dhabi Securities Exchange) has generated returns of 7.69% in the last 1 year, the stock has hugely underperformed and has generate negative returns of -22.49% returns
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Ajman Bank PJSC should be less than 10%
- Overall Portfolio exposure to Major Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Major Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Ajman Bank PJSC for you?
Medium Risk, Low Return
Absolute
Risk Adjusted
Volatility
Ajman Bank PJSC
-100.0%
-1.33
18.89%
Abu Dhabi Securities Exchange
7.69%
0.94
8.15%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
5.08%
EBIT Growth (5y)
52.62%
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
48.72%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
10
Industry P/E
Price to Book Value
1.22
EV to EBIT
8.41
EV to EBITDA
7.96
EV to Capital Employed
1.25
EV to Sales
2.67
PEG Ratio
0.05
Dividend Yield
5.03%
ROCE (Latest)
14.85%
ROE (Latest)
12.43%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Bearish
Moving Averages
Bearish (Daily)
KST
Bearish
Bearish
Dow Theory
No Trend
No Trend
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend8What is working for the Company
ROCE(HY)
Highest at 1.69%
NET PROFIT(9M)
Higher at AED 363.12 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 92.93%
-4What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at AED -132.85 MM
ROCE(HY)
Lowest at 1.69%
Here's what is working for Ajman Bank PJSC
Net Profit
At AED 363.12 MM has Grown at 488.88%
Year on Year (YoY)MOJO Watch
Net Profit trend is very positive
Net Profit (AED MM)
Credit Deposit Ratio
Highest at 92.93%
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 (%)
Net Profit
Higher at AED 363.12 MM
than preceding 12 month period ended Jun 2025MOJO Watch
In the nine month period the company has already crossed sales of the previous twelve months
Net Profit (AED MM)
Here's what is not working for Ajman Bank PJSC
Operating Cash Flow
Lowest at AED -132.85 MM
in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (AED MM)
Capital Adequacy Ratio
Lowest at 16.14%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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