ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Emirates NBD Bank PJSC ?
1
Strong Long Term Fundamental Strength with a 30.06% CAGR growth in Net Profits
- High Margins signify the bank has been able to generate higher profits from its interest bearing assets
2
Positive results in Dec 25
- GROSS NPA (%)(Q) Lowest at 1.97%
- NII(Q) Highest at AED 9,710 MM
- CASH AND EQV(HY) Highest at AED 241,633 MM
3
With ROA of 1.43%, it has a very attractive valuation with a 1.35 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 30.82%, its profits have risen by 4.7% ; the PEG ratio of the company is 1.7
4
Company is among the highest 1% of companies rated by MarketsMojo across all 4,000 stocks
5
Consistent Returns over the last 3 years
- Along with generating 30.82% 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 hold?
- 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
30.82%
1.94
37.76%
Abu Dhabi Securities Exchange
0.87%
0.06
12.40%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
23.94%
EBIT Growth (5y)
30.28%
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
1.35
EV to EBIT
7.15
EV to EBITDA
6.88
EV to Capital Employed
1.26
EV to Sales
2.77
PEG Ratio
1.66
Dividend Yield
6.91%
ROCE (Latest)
17.68%
ROE (Latest)
17.39%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
Bullish
No Signal
Bollinger Bands
Bearish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Bearish
Bullish
Dow Theory
Mildly Bearish
No Trend
OBV
Mildly Bearish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend9What is working for the Company
GROSS NPA (%)
(Q
NII(Q)
Highest at AED 9,710 MM
CASH AND EQV(HY)
Highest at AED 241,633 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 101%
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 1.97% 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 (%)
NII
Highest at AED 9,710 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (AED MM)
Cash and Eqv
Highest at AED 241,633 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Credit Deposit Ratio
Highest at 101%
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 15.48%
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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