Dubai Islamic Bank PJSC

Market Cap: Mid Cap
Industry: Major Banks
ISIN: AED000201015

AED

7.54

0.24 (3.29%)

Mar 27

DFM

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Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

Emirates NBD Bank PJSC

Sharjah Islamic Bank

National Bank of Fujairah PJSC

Commercial Bank of Dubai

Emirates Islamic Bank PJSC

Bank of Sharjah PSC

Abu Dhabi Commercial Bank

Ajman Bank PJSC

Commercial Bank International PSC

Dubai Islamic Bank PJSC

Al Salam Bank Sudan

Why is Dubai Islamic Bank PJSC ?

Flat results in Dec 25

OPERATING CASH FLOW(Y) Lowest at AED 6,248.85 MM
CREDIT DEPOSIT RATIO(HY) Lowest at 85.43%

Real-Time Research Report

Verdict Report

How much should you sell?

All quantity irrespective of whether you are making profits or losses

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Major Banks)

When to re-enter? - We will constantly monitor the company and review our call based on new data

Is Dubai Islamic Bank PJSC for you?

Medium Risk, High Return

Absolute

Risk Adjusted

Volatility

Dubai Islamic Bank PJSC

4.43%

1.47

24.58%

Abu Dhabi Securities Exchange

2.2%

0.18

12.34%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

13.55%

EBIT Growth (5y)

20.17%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

35.81%

Pledged Shares

Institutional Holding

0.48%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.24

EV to EBIT

5.98

EV to EBITDA

5.84

EV to Capital Employed

1.25

EV to Sales

2.57

PEG Ratio

Dividend Yield

6.18%

ROCE (Latest)

20.97%

ROE (Latest)

16.61%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bearish

Mildly Bearish

RSI

No Signal

Bollinger Bands

Bearish

Moving Averages

Bearish (Daily)

KST

Bearish

Mildly Bearish

Dow Theory

No Trend

Mildly Bearish

OBV

Mildly Bearish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

2What is working for the Company

NET SALES(Q)

Highest at AED 5,217.98 MM

-5What is not working for the Company

OPERATING CASH FLOW(Y)

Lowest at AED 6,248.85 MM

CREDIT DEPOSIT RATIO(HY)

Lowest at 85.43%

Here's what is working for Dubai Islamic Bank PJSC

Net Sales

Highest at AED 5,217.98 MM

in the last five periods

MOJO Watch

Near term sales trend is positive

Net Sales (AED MM)

Here's what is not working for Dubai Islamic Bank PJSC

Operating Cash Flow

Lowest at AED 6,248.85 MM and Fallen

In each year in the last three years

MOJO Watch

The company's cash revenues from business operations are falling

Operating Cash Flows (AED MM)

Credit Deposit Ratio

Lowest at 85.43% and Fallen

In each half year in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets

Credit Deposit Ratio (%)

Capital Adequacy Ratio

Lowest at 14.8%

in the last five periods

MOJO Watch

The Bank's capital base vs its risk assets is deteriorating.

CAR (%)