ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Emirates NBD Bank PJSC ?
1
Strong Long Term Fundamental Strength with a 29.28% CAGR growth in Net Profits
- High Margins signify the bank has been able to generate higher profits from its interest bearing assets
2
The company has declared Positive results for the last 3 consecutive quarters
- GROSS NPA (%)(Q) Lowest at 1.86%
- OPERATING CASH FLOW(Y) Highest at AED 32,574 MM
- CASH AND EQV(HY) Highest at AED 247,790 MM
3
With ROA of 1.87%, it has a attractive valuation with a 1.38 Price to Book Value
- The stock is trading at a fair value compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 30.24%, its profits have risen by 7.4% ; the PEG ratio of the company is 1.1
4
Consistent Returns over the last 3 years
- Along with generating 30.24% returns in the last 1 year, the stock has outperformed Abu Dhabi Securities Exchange in each of the last 3 annual periods
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to Emirates NBD 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
Is Emirates NBD Bank PJSC for you?
High Risk, High Return
Absolute
Risk Adjusted
Volatility
Emirates NBD Bank PJSC
30.24%
2.23
39.06%
Abu Dhabi Securities Exchange
-1.41%
-0.12
12.55%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
25.67%
EBIT Growth (5y)
32.03%
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
26.92%
Pledged Shares
0
Institutional Holding
0.00%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
8
Industry P/E
Price to Book Value
1.40
EV to EBIT
7.48
EV to EBITDA
7.19
EV to Capital Employed
1.29
EV to Sales
2.89
PEG Ratio
1.09
Dividend Yield
6.66%
ROCE (Latest)
17.29%
ROE (Latest)
17.49%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bearish
Bullish
Dow Theory
Mildly Bullish
No Trend
OBV
Mildly Bearish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend12What is working for the Company
GROSS NPA (%)
(Q
OPERATING CASH FLOW(Y)
Highest at AED 32,574 MM
CASH AND EQV(HY)
Highest at AED 247,790 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 102.82%
OPERATING PROFIT(Q)
Highest at AED 9,147 MM
OPERATING PROFIT MARGIN(Q)
Highest at 45.01 %
PRE-TAX PROFIT(Q)
Highest at AED 8,097 MM
0What is not working for the Company
NO KEY NEGATIVE TRIGGERS
Here's what is working for Emirates NBD Bank PJSC
Non Performing Loans (%)
Lowest at 1.86% and Fallen
In each half year in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are falling
Non Performing Loans (%)
Operating Cash Flow
Highest at AED 32,574 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (AED MM)
Operating Profit
Highest at AED 9,147 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (AED MM)
Operating Profit Margin
Highest at 45.01 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at AED 8,097 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (AED MM)
Cash and Eqv
Highest at AED 247,790 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Credit Deposit Ratio
Highest at 102.82%
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 (%)
Here's what is not working for Emirates NBD Bank PJSC
Capital Adequacy Ratio
Lowest at 15.26%
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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