ScoreWhy is Emirates Investment Bank ?
1
Negative results in Dec 25
- OPERATING CASH FLOW(Y) Lowest at AED 59.16 MM
- NET SALES(Q) Lowest at AED 52.79 MM
- PRE-TAX PROFIT(Q) At AED 12.94 MM has Fallen at -42.6%
2
Underperformed the market in the last 1 year
- Even though the market (Abu Dhabi Securities Exchange) has generated returns of 2.20% in the last 1 year, the stock has hugely underperformed and has generate negative returns of -25.16% returns
Real-Time Research ReportHow 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 Capital Markets)
When to re-enter? - We will constantly monitor the company and review our call based on new data
Is Emirates Investment Bank for you?
High Risk, Low Return
Absolute
Risk Adjusted
Volatility
Emirates Investment Bank
-25.16%
-0.80
43.71%
Abu Dhabi Securities Exchange
2.2%
0.18
12.34%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
19.70%
EBIT Growth (5y)
32.06%
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
7
Industry P/E
Price to Book Value
0.40
EV to EBIT
-0.71
EV to EBITDA
-0.65
EV to Capital Employed
-0.06
EV to Sales
-0.22
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
Negative Capital Employed
ROE (Latest)
5.63%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Bearish
RSI
No Signal
Bollinger Bands
Mildly Bearish
Bearish
Moving Averages
Bearish (Daily)
KST
Mildly Bullish
Bearish
Dow Theory
No Trend
No Trend
OBV
No Trend
Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend1What is working for the Company
CREDIT DEPOSIT RATIO(HY)
Highest at 45%
-19What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at AED 59.16 MM
NET SALES(Q)
Lowest at AED 52.79 MM
PRE-TAX PROFIT(Q)
At AED 12.94 MM has Fallen at -42.6%
NII(Q)
Lowest at AED 34.25 MM
OPERATING PROFIT(Q)
Lowest at AED 13.4 MM
OPERATING PROFIT MARGIN(Q)
Lowest at 25.39 %
NET PROFIT(Q)
At AED 12.5 MM has Fallen at -36.52%
EPS(Q)
Lowest at AED 1.16
Here's what is working for Emirates Investment Bank
Credit Deposit Ratio
Highest at 45%
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 (%)
Depreciation
Highest at AED 1.58 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (AED MM)
Here's what is not working for Emirates Investment Bank
Operating Cash Flow
Lowest at AED 59.16 MM and Fallen
In each year in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (AED MM)
Net Sales
Lowest at AED 52.79 MM and Fallen
In each period in the last five periodsMOJO Watch
Near term sales trend is very negative
Net Sales (AED MM)
Pre-Tax Profit
At AED 12.94 MM has Fallen at -42.6%
over average net sales of the previous four periods of AED 22.55 MMMOJO Watch
Near term Pre-Tax Profit trend is very negative
Pre-Tax Profit (AED MM)
NII
Lowest at AED 34.25 MM
in the last five periodsMOJO Watch
The bank's income from core business is falling
NII (AED MM)
Operating Profit
Lowest at AED 13.4 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (AED MM)
Operating Profit Margin
Lowest at 25.39 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Net Profit
At AED 12.5 MM has Fallen at -36.52%
over average net sales of the previous four periods of AED 19.69 MMMOJO Watch
Near term Net Profit trend is negative
Net Profit (AED MM)
EPS
Lowest at AED 1.16
in the last five periodsMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (AED)
Capital Adequacy Ratio
Lowest at 42.97%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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