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Ajman Bank PJSC

  • Market Cap: Small Cap
  • Industry: Major Banks
  • ISIN: AEA003201018
AED
1.31
-0.14 (-9.66%)

Dec 12

DFM

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  • Price Points
  • Score
  • Mojo Parameters
  • Total Return
  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-recommendationScore
Click here to find our call on this stock
Strong Sell
Sell
Hold
Buy
Strong Buy

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Comparison
Company
Score
Quality
Valuation
Financial
Technical
Emirates NBD Bank PJSC
Commercial Bank of Dubai
National Bank of Fujairah PJSC
Emirates Islamic Bank PJSC
Abu Dhabi Commercial Bank
Sharjah Islamic Bank
Dubai Islamic Bank PJSC
Ajman Bank PJSC
Bank of Sharjah PSC
Commercial Bank International PSC
Why is Ajman Bank PJSC ?
1
Underperformed the market in the last 1 year
  • Even though the market (Abu Dhabi Securities Exchange) has generated returns of 7.93% in the last 1 year, the stock has hugely underperformed and has generate negative returns of -22.49% returns
stock-recommendationReal-Time Research Report
Verdict Report
How much should you sell?
  1. All quantity irrespective of whether you are making profits or losses

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Major Banks)

When to re-enter? - We will constantly monitor the company and review our call based on new data

Is Ajman Bank PJSC for you?

Medium Risk, Low Return

Absolute
Risk Adjusted
Volatility
Ajman Bank PJSC
-22.49%
-1.33
18.90%
Abu Dhabi Securities Exchange
7.69%
0.97
8.15%
stock-recommendationQuality
stock-summaryManagement Risk
stock-summaryGrowth
stock-summaryCapital Structure
stock-recommendation
Quality grade scale :

Below Average, Average, Good, Excellent

Quality 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
stock-recommendationValuation
Valuation Scorecard stock-summary
stock-recommendation
Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors stock-summary
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%
stock-recommendationTechnicals
Technical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Bearish
Moving Averages
Bearish (Daily)
KST
Bearish
Bearish
Dow Theory
Bearish
No Trend
OBV
No Trend
Mildly Bearish
stock-recommendation Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish  Turned 
Technical Movement
Analyse All Technical Factors stock-recommendation
stock-recommendationFinancial Trend
Financial Trend Scorecard stock-summary
stock-recommendation
Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

8What 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 periods
MOJO 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 2025
MOJO 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 years
MOJO 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 periods
MOJO Watch
The Bank's capital base vs its risk assets is deteriorating.

CAR (%)

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