ScoreWhy is Emirates NBD Bank PJSC ?
1
Strong Long Term Fundamental Strength with a 26.03% 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 Jun 25
- GROSS NPA (%)(Q) Lowest at 2.26%
- CASH AND EQV(HY) Highest at AED 252,255 MM
3
With ROA of 1.88%, it has a fair valuation with a 1.24 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 44.87%, its profits have fallen by -5.8%
4
Consistent Returns over the last 3 years
- Along with generating 44.87% 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
43.4%
2.43
31.32%
Abu Dhabi Securities Exchange
7.69%
0.97
8.15%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
21.87%
EBIT Growth (5y)
27.10%
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
28.10%
Pledged Shares
0
Institutional Holding
0.00%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
7
Industry P/E
Price to Book Value
1.24
EV to EBIT
6.18
EV to EBITDA
5.91
EV to Capital Employed
1.20
EV to Sales
2.18
PEG Ratio
NA
Dividend Yield
4.12%
ROCE (Latest)
19.41%
ROE (Latest)
17.15%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bullish
No Trend
OBV
Bullish
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend4What is working for the Company
GROSS NPA (%)
(Q
CASH AND EQV(HY)
Highest at AED 252,255 MM
-3What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at AED 18,799 MM
CREDIT DEPOSIT RATIO(HY)
Lowest at 96.79%
Here's what is working for Emirates NBD Bank PJSC
Non Performing Loans (%)
Lowest at 2.26% 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 (%)
Cash and Eqv
Highest at AED 252,255 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Here's what is not working for Emirates NBD Bank PJSC
Operating Cash Flow
Lowest at AED 18,799 MM
in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (AED MM)
Credit Deposit Ratio
Lowest at 96.79%
in the last four Semi-Annual periodsMOJO 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 15.87%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
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