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 100.87%
2
With a growth in Interest of NAN%, the company declared Very Positive results in Mar 26
- NII(Q) Highest at SAR 897.32 MM
- CASH AND EQV(HY) Highest at SAR 16,362.97 MM
- NET SALES(Q) Highest at SAR 2,337.68 MM
3
With ROA of 0.54%, it has a very attractive valuation with a 0.96 Price to Book Value
- Over the past year, while the stock has generated a return of -10.56%, its profits have risen by 12.6%
4
Consistent Underperformance against the benchmark over the last 3 years
- Along with generating -10.56% returns in the last 1 year, the stock has also underperformed Saudi Arabia All Share TASI in each of the last 3 annual periods
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?
Low Risk, Low Return
Absolute
Risk Adjusted
Volatility
Bank Aljazira
-10.56%
-0.45
20.90%
Saudi Arabia All Share TASI
-0.13%
-0.01
13.67%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
22.71%
EBIT Growth (5y)
59.22%
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
50.00%
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
25.10
EV to EBITDA
22.58
EV to Capital Employed
0.98
EV to Sales
4.53
PEG Ratio
NA
Dividend Yield
2.84%
ROCE (Latest)
3.92%
ROE (Latest)
8.50%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Mildly Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Bearish
Moving Averages
Bearish (Daily)
KST
Mildly Bullish
Bearish
Dow Theory
Mildly Bearish
No Trend
OBV
Mildly Bearish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend5What is working for the Company
NII(Q)
Highest at SAR 897.32 MM
CASH AND EQV(HY)
Highest at SAR 16,362.97 MM
NET SALES(Q)
Highest at SAR 2,337.68 MM
OPERATING PROFIT(Q)
Highest at SAR 464 MM
0What is not working for the Company
NO KEY NEGATIVE TRIGGERS
Here's what is working for Bank Aljazira
NII
Highest at SAR 897.32 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (SAR MM)
Net Sales
Highest at SAR 2,337.68 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (SAR MM)
Operating Profit
Highest at SAR 464 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (SAR MM)
Cash and Eqv
Highest at SAR 16,362.97 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Depreciation
Highest at SAR 48.79 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (SAR MM)
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