ScoreWhy is Emirates Islamic Bank PJSC ?
Unrated Stock - No Analysis Available
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Emirates Islamic Bank PJSC 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
No Data Found
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
18.74%
EBIT Growth (5y)
24.14%
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
22
Industry P/E
Price to Book Value
4.33
EV to EBIT
20.32
EV to EBITDA
20.16
EV to Capital Employed
4.06
EV to Sales
11.33
PEG Ratio
0.77
Dividend Yield
NA
ROCE (Latest)
19.99%
ROE (Latest)
19.51%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
Bearish
Bearish
Bollinger Bands
Mildly Bullish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
No Trend
No Trend
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend11What is working for the Company
OPERATING CASH FLOW(Y)
Highest at AED 4,561.95 MM
CREDIT DEPOSIT RATIO(Q)
Highest at 3.42%
NET SALES(Q)
Highest at AED 1,547.2 MM
OPERATING PROFIT(Q)
Highest at AED 1,185.32 MM
OPERATING PROFIT MARGIN(Q)
Highest at 76.61 %
PRE-TAX PROFIT(Q)
Highest at AED 1,185.38 MM
NET PROFIT(Q)
Highest at AED 1,013.01 MM
EPS(Q)
Highest at AED 0.19
-2What is not working for the Company
INTEREST(9M)
At AED 1,337.73 MM has Grown at 57.29%
Here's what is working for Emirates Islamic Bank PJSC
Operating Cash Flow
Highest at AED 4,561.95 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 (AED MM)
Credit Deposit Ratio
Highest at 3.42% 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 (%)
Net Sales
Highest at AED 1,547.2 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (AED MM)
Operating Profit
Highest at AED 1,185.32 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (AED MM)
Operating Profit Margin
Highest at 76.61 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at AED 1,185.38 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (AED MM)
Net Profit
Highest at AED 1,013.01 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (AED MM)
EPS
Highest at AED 0.19
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (AED)
Here's what is not working for Emirates Islamic Bank PJSC
Interest
At AED 1,337.73 MM has Grown at 57.29%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (AED MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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