ScoreWhy is Bank Aljazira ?
1
Poor long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 8.98%
2
The company has declared Positive results for the last 3 consecutive quarters
- NII(Q) Highest at SAR 825.79 MM
- CREDIT DEPOSIT RATIO(Q) Highest at 1.38%
- OPERATING PROFIT(Q) Highest at SAR 444.32 MM
3
With ROA of 0.57%, it has a expensive valuation with a 1.16 Price to Book Value
- Over the past year, while the stock has generated a return of -22.98%, its profits have risen by 8.1%
4
Below par performance in long term as well as near term
- Along with generating -22.98% returns in the last 1 year, the stock has also underperformed Saudi Arabia All Share TASI in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Bank Aljazira 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 Aljazira for you?
Medium Risk, Medium Return
Absolute
Risk Adjusted
Volatility
Bank Aljazira
-100.0%
-0.44
29.15%
Saudi Arabia All Share TASI
-12.63%
-0.87
14.46%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
21.81%
EBIT Growth (5y)
16.05%
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
0
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
14
Industry P/E
Price to Book Value
1.16
EV to EBIT
27.26
EV to EBITDA
24.21
EV to Capital Employed
1.07
EV to Sales
4.32
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
3.91%
ROE (Latest)
8.16%
TechnicalsTechnical 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
No Trend
Mildly Bearish
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend8What is working for the Company
NII(Q)
Highest at SAR 825.79 MM
CREDIT DEPOSIT RATIO(Q)
Highest at 1.38%
OPERATING PROFIT(Q)
Highest at SAR 444.32 MM
OPERATING PROFIT MARGIN(Q)
Highest at 20.82 %
PRE-TAX PROFIT(Q)
Highest at SAR 431.26 MM
0What is not working for the Company
NO KEY NEGATIVE TRIGGERS
Here's what is working for Bank Aljazira
NII
Highest at SAR 825.79 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA (%)
Credit Deposit Ratio
Highest at 1.38% 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 (%)
Operating Profit
Highest at SAR 444.32 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (SAR MM)
Operating Profit Margin
Highest at 20.82 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at SAR 431.26 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (SAR MM)
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