ScoreWhy is Bank Aljazira ?
1
The company has declared Positive results for the last 3 consecutive quarters
- OPERATING CASH FLOW(Y) Highest at SAR 2,324.09 MM
- PRE-TAX PROFIT(Q) Highest at SAR 476.21 MM
- GROSS NPA (%)(Q) Lowest at 0.98%
2
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 -18.49%, its profits have risen by 8.1%
Real-Time Research ReportHow much should you buy?
- 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
-18.67%
-0.23
29.79%
Saudi Arabia All Share TASI
-11.13%
-0.71
15.65%
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
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
Mildly Bullish
Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Bearish
Moving Averages
Mildly Bearish (Daily)
KST
Mildly Bullish
Bearish
Dow Theory
Mildly Bearish
Mildly Bullish
OBV
Mildly Bearish
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend15What is working for the Company
OPERATING CASH FLOW(Y)
Highest at SAR 2,324.09 MM
PRE-TAX PROFIT(Q)
Highest at SAR 476.21 MM
GROSS NPA (%)
(Q
CREDIT DEPOSIT RATIO(Q)
Highest at 0.98%
NII(Q)
Highest at SAR 838.59 MM
DIVIDEND PAYOUT RATIO(Y)
Highest at 242.13%
CASH AND EQV(HY)
Highest at SAR 14,032.1 MM
DIVIDEND PER SHARE(HY)
Highest at SAR 0
NET SALES(Q)
Highest at SAR 2,302.28 MM
0What is not working for the Company
NO KEY NEGATIVE TRIGGERS
Here's what is working for Bank Aljazira
Operating Cash Flow
Highest at SAR 2,324.09 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (SAR MM)
Pre-Tax Profit
Highest at SAR 476.21 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (SAR MM)
Non Performing Loans (%)
Lowest at 0.98%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are falling
Non Performing Loans (%)
Credit Deposit Ratio
Highest at 0.98% 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 (%)
NII
Highest at SAR 838.59 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (SAR MM)
Net Sales
Highest at SAR 2,302.28 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (SAR MM)
Cash and Eqv
Highest at SAR 14,032.1 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Dividend per share
Highest at SAR 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (SAR)
Dividend Payout Ratio
Highest at 242.13%
in the last five yearsMOJO Watch
Company is distributing higher proportion of profits generated as dividend
DPR (%)
Depreciation
Highest at SAR 47.04 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (SAR MM)
CASA
Highest at 17.78%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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