ScoreWhy is Bank Al-Etihad ?
1
Negative results in Sep 25
- GROSS NPA (%)(Q) Highest at 6.35%
- INTEREST(9M) At JOD 223.49 MM has Grown at 18.78%
- OPERATING PROFIT(Q) Lowest at JOD -89.04 MM
2
With ROA of 0.37%, it has a expensive valuation with a 0.96 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 67.06%, its profits have risen by 6.5% ; the PEG ratio of the company is 1.6
- At the current price, the company has a high dividend yield of 4.2
3
Market Beating Performance
- The stock has generated a return of 67.06% in the last 1 year, much higher than market (Jordan General Index) returns of 37.73%
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Bank Al-Etihad 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 Bank Al-Etihad for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
Bank Al-Etihad
-100.0%
2.24
25.83%
Jordan General Index
37.73%
3.93
9.60%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
19.37%
EBIT Growth (5y)
-191.64%
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
40.26%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
11
Industry P/E
Price to Book Value
0.96
EV to EBIT
4.97
EV to EBITDA
3.80
EV to Capital Employed
0.95
EV to Sales
0.67
PEG Ratio
1.64
Dividend Yield
4.17%
ROCE (Latest)
19.09%
ROE (Latest)
9.00%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bullish
Mildly Bearish
OBV
Mildly Bullish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend8What is working for the Company
OPERATING CASH FLOW(Y)
Highest at JOD 291.17 MM
NII(Q)
Highest at JOD 79.75 MM
CASH AND EQV(HY)
Highest at JOD 2,183.38 MM
NET SALES(Q)
Highest at JOD 174.52 MM
EPS(Q)
Highest at JOD 0.07
-23What is not working for the Company
GROSS NPA (%)
(Q
INTEREST(9M)
At JOD 223.49 MM has Grown at 18.78%
OPERATING PROFIT(Q)
Lowest at JOD -89.04 MM
OPERATING PROFIT MARGIN(Q)
Lowest at -51.02 %
PRE-TAX PROFIT(Q)
Lowest at JOD -88.86 MM
NET PROFIT(Q)
Lowest at JOD -57.27 MM
Here's what is working for Bank Al-Etihad
NII
Highest at JOD 79.75 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (JOD MM)
Operating Cash Flow
Highest at JOD 291.17 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (JOD MM)
Net Sales
Highest at JOD 174.52 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (JOD MM)
Net Sales
At JOD 174.52 MM has Grown at 42.22%
Year on Year (YoY)MOJO Watch
Near term sales trend is positive
Net Sales (JOD MM)
EPS
Highest at JOD 0.07
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (JOD)
Cash and Eqv
Highest at JOD 2,183.38 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Depreciation
Highest at JOD 8.13 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (JOD MM)
Depreciation
At JOD 8.13 MM has Grown at 42%
period on period (QoQ)MOJO Watch
The expenditure on assets done by the company has gone into productive use which should positively reflect in the future sales
Depreciation (JOD MM)
Here's what is not working for Bank Al-Etihad
Pre-Tax Profit
At JOD -88.86 MM has Fallen at -520.39%
Year on Year (YoY)MOJO Watch
Near term Pre-Tax Profit trend is very negative
Pre-Tax Profit (JOD MM)
Net Profit
At JOD -57.27 MM has Fallen at -660.19%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is very negative
Net Profit (JOD MM)
Non Performing Loans (%)
Highest at 6.35% 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 (%)
Interest
At JOD 223.49 MM has Grown at 18.78%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (JOD MM)
Operating Profit
Lowest at JOD -89.04 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (JOD MM)
Operating Profit Margin
Lowest at -51.02 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Pre-Tax Profit
Lowest at JOD -88.86 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (JOD MM)
Net Profit
Lowest at JOD -57.27 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is negative
Net Profit (JOD MM)
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