ScoreWhy is Arab Jordan Investment Bank ?
1
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 15.56% signifying inadequate buffers against its risk based assets
- Poor long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 8.14%
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 15.56% signifying inadequate buffers against its risk based assets
- The bank has been able to generate a Return on Assets (avg) of 0.73% signifying low profitability per unit of total assets
2
Poor long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 8.14%
3
Flat results in Dec 25
- GROSS NPA (%)(Q) Highest at 2.13%
- CREDIT DEPOSIT RATIO(HY) Lowest at 63.77%
- NET SALES(Q) Lowest at JOD 34.44 MM
4
With ROA of 0.49%, it has a expensive valuation with a 1.00 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 45.16%, its profits have fallen by -2.4%
- At the current price, the company has a high dividend yield of 6.8
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Arab Jordan Investment Bank 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 Arab Jordan Investment Bank for you?
High Risk, Medium Return
Absolute
Risk Adjusted
Volatility
Arab Jordan Investment Bank
45.16%
1.42
30.14%
Jordan General Index
41.27%
4.23
9.76%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
9.18%
EBIT Growth (5y)
8.00%
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
111.21%
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
1.00
EV to EBIT
6.41
EV to EBITDA
4.50
EV to Capital Employed
0.99
EV to Sales
0.75
PEG Ratio
NA
Dividend Yield
6.80%
ROCE (Latest)
15.48%
ROE (Latest)
7.44%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
Bearish
Bearish
Bollinger Bands
Mildly Bullish
Mildly Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
No Trend
Mildly Bullish
OBV
No Trend
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend3What is working for the Company
DIVIDEND PAYOUT RATIO(Y)
Highest at 439.56%
CASH AND EQV(HY)
Highest at JOD 1,093.15 MM
DIVIDEND PER SHARE(HY)
Highest at JOD 0
-6What is not working for the Company
GROSS NPA (%)
(Q
CREDIT DEPOSIT RATIO(HY)
Lowest at 63.77%
NET SALES(Q)
Lowest at JOD 34.44 MM
Here's what is working for Arab Jordan Investment Bank
Cash and Eqv
Highest at JOD 1,093.15 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Dividend per share
Highest at JOD 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (JOD)
Dividend Payout Ratio
Highest at 439.56%
in the last five yearsMOJO Watch
Company is distributing higher proportion of profits generated as dividend
DPR (%)
Here's what is not working for Arab Jordan Investment Bank
Non Performing Loans (%)
Highest at 2.13% and Grown
In each half year in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
Credit Deposit Ratio
Lowest at 63.77% and Fallen
In each half year in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
Net Sales
Lowest at JOD 34.44 MM
in the last five periodsMOJO Watch
Near term sales trend is negative
Net Sales (JOD MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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