ScoreWhy is First Abu Dhabi Bank PJSC ?
1
Positive results in Jun 25
- GROSS NPA (%)(Q) Lowest at 0.59%
- ROCE(HY) Highest at 1.48%
- NII(Q) Highest at AED 5,084 MM
2
With ROA of 0.93%, it has a fair valuation with a 1.48 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 28.85%, its profits have risen by 4% ; the PEG ratio of the company is 3
3
Market Beating Performance
- The stock has generated a return of 28.85% in the last 1 year, much higher than market (Abu Dhabi Securities Exchange) returns of 9.12%
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to First Abu Dhabi Bank PJSC should be less than 10%
- Overall Portfolio exposure to Capital Markets should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Capital Markets)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is First Abu Dhabi Bank PJSC for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
First Abu Dhabi Bank PJSC
-100.0%
1.83
25.12%
Abu Dhabi Securities Exchange
7.69%
1.13
8.08%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
21.30%
EBIT Growth (5y)
8.73%
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
50.76%
Pledged Shares
0
Institutional Holding
0.00%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
11
Industry P/E
Price to Book Value
1.46
EV to EBIT
10.26
EV to EBITDA
9.70
EV to Capital Employed
1.40
EV to Sales
3.11
PEG Ratio
3.08
Dividend Yield
4.64%
ROCE (Latest)
13.70%
ROE (Latest)
13.36%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Sideways
Bullish
Moving Averages
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 Trend13What is working for the Company
GROSS NPA (%)
(Q
ROCE(HY)
Highest at 1.48%
NII(Q)
Highest at AED 5,084 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 75.9%
OPERATING PROFIT MARGIN(Q)
Highest at 26.41 %
PRE-TAX PROFIT(Q)
Highest at AED 6,743 MM
NET PROFIT(Q)
Highest at AED 5,471.94 MM
EPS(Q)
Highest at AED 0.49
-2What is not working for the Company
ROCE(HY)
Lowest at 1.48%
Here's what is working for First Abu Dhabi Bank PJSC
Non Performing Loans (%)
Lowest at 0.59% 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 5,084 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (AED MM)
Operating Profit Margin
Highest at 26.41 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at AED 6,743 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 5,471.94 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (AED MM)
EPS
Highest at AED 0.49
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (AED)
Credit Deposit Ratio
Highest at 75.9%
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 (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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