ScoreWhy is Bank Al-Etihad ?
1
With a growth in Interest of NAN%, the company declared Outstanding results in Jun 26
- The company has declared positive results for the last 2 consecutive quarters
- OPERATING CASH FLOW(Y) Highest at JOD 347.62 MM
- ROCE(HY) Highest at 0.9%
- NET SALES(Q) Highest at JOD 198.7 MM
2
With ROA of 0.05%, it has a fair valuation with a 1.26 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 47.52%, its profits have fallen by -81.1%
- At the current price, the company has a high dividend yield of 3
Real-Time Research ReportHow much should you buy?
- 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
47.52%
2.58
25.38%
Jordan General Index
37.55%
3.71
10.12%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
22.10%
EBIT Growth (5y)
-189.27%
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
124
Industry P/E
Price to Book Value
1.26
EV to EBIT
-29.34
EV to EBITDA
39.18
EV to Capital Employed
1.72
EV to Sales
0.74
PEG Ratio
NA
Dividend Yield
2.96%
ROCE (Latest)
-5.87%
ROE (Latest)
1.02%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
No Trend
No Trend
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend23What is working for the Company
OPERATING CASH FLOW(Y)
Highest at JOD 347.62 MM
ROCE(HY)
Highest at 0.9%
NET SALES(Q)
Highest at JOD 198.7 MM
CASH AND EQV(HY)
Highest at JOD 3,321.87 MM
PRE-TAX PROFIT(Q)
At JOD 42.76 MM has Grown at 80.6%
NET PROFIT(Q)
At JOD 27.28 MM has Grown at 130.61%
-6What is not working for the Company
INTEREST(9M)
At JOD 312.33 MM has Grown at 59.73%
ROCE(HY)
Lowest at 0.9%
CREDIT DEPOSIT RATIO(HY)
Lowest at 82.25%
Here's what is working for Bank Al-Etihad
Net Sales
Highest at JOD 198.7 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (JOD MM)
Operating Cash Flow
Highest at JOD 347.62 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (JOD MM)
Net Sales
At JOD 198.7 MM has Grown at 53.98%
Year on Year (YoY)MOJO Watch
Near term sales trend is positive
Net Sales (JOD MM)
Pre-Tax Profit
At JOD 42.76 MM has Grown at 80.6%
Year on Year (YoY)MOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (JOD MM)
Net Profit
At JOD 27.28 MM has Grown at 130.61%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is positive
Net Profit (JOD MM)
Cash and Eqv
Highest at JOD 3,321.87 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Depreciation
Highest at JOD 9.29 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (JOD MM)
Here's what is not working for Bank Al-Etihad
Interest
At JOD 312.33 MM has Grown at 59.73%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (JOD MM)
Credit Deposit Ratio
Lowest at 82.25%
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 (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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