ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Ajman Bank PJSC ?
1
Below par performance in long term as well as near term
- Along with generating -7.28% returns in the last 1 year, the stock has also underperformed Abu Dhabi Securities Exchange in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow much should you sell?
- 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
-7.28%
-0.79
25.35%
Abu Dhabi Securities Exchange
0.87%
0.06
12.40%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
7.58%
EBIT Growth (5y)
52.22%
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
49.65%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
8
Industry P/E
Price to Book Value
1.11
EV to EBIT
8.51
EV to EBITDA
8.15
EV to Capital Employed
1.09
EV to Sales
3.25
PEG Ratio
0.31
Dividend Yield
NA
ROCE (Latest)
12.79%
ROE (Latest)
14.50%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Bearish
Moving Averages
Mildly Bearish (Daily)
KST
Bearish
Bearish
Dow Theory
No Trend
No Trend
OBV
No Trend
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend8What is working for the Company
ROCE(HY)
Highest at 1.79%
NET SALES(Q)
Highest at AED 391.26 MM
CREDIT DEPOSIT RATIO(Q)
Highest at 0%
DIVIDEND PAYOUT RATIO(Y)
Highest at 207.69%
DIVIDEND PER SHARE(HY)
Highest at AED 0
-3What is not working for the Company
ROCE(HY)
Lowest at 1.79%
OPERATING PROFIT MARGIN(Q)
Lowest at 34.47 %
Here's what is working for Ajman Bank PJSC
Net Sales
Highest at AED 391.26 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (AED MM)
Credit Deposit Ratio
Highest at 0% and Grown
In each half year 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 (%)
Dividend per share
Highest at AED 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (AED)
Dividend Payout Ratio
Highest at 207.69%
in the last five yearsMOJO Watch
Company is distributing higher proportion of profits generated as dividend
DPR (%)
Here's what is not working for Ajman Bank PJSC
Operating Profit Margin
Lowest at 34.47 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Capital Adequacy Ratio
Lowest at 12.88%
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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