ScoreWhy is Jordan Islamic Bank ?
1
With a growth in Interest of NAN%, the company declared Outstanding results in Dec 25
- OPERATING CASH FLOW(Y) Highest at JOD 128.21 MM
- CREDIT DEPOSIT RATIO(Q) Highest at 2.41%
- NII(Q) Highest at JOD 81.57 MM
2
With ROA of 0.85%, it has a very attractive valuation with a 1.66 Price to Book Value
- The stock is trading at a premium compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 14.08%, its profits have risen by 7.6% ; the PEG ratio of the company is 1.8
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to Jordan Islamic Bank 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 Jordan Islamic Bank for you?
Low Risk, Low Return
Absolute
Risk Adjusted
Volatility
Jordan Islamic Bank
14.08%
1.44
11.11%
Jordan General Index
52.62%
5.46
9.64%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
7.50%
EBIT Growth (5y)
14.16%
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
70.32%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
14
Industry P/E
Price to Book Value
1.66
EV to EBIT
0.59
EV to EBITDA
0.56
EV to Capital Employed
-0.28
EV to Sales
0.45
PEG Ratio
1.80
Dividend Yield
0.05%
ROCE (Latest)
Negative Capital Employed
ROE (Latest)
12.17%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bearish
Mildly Bullish
OBV
Mildly Bullish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend19What is working for the Company
OPERATING CASH FLOW(Y)
Highest at JOD 128.21 MM
CREDIT DEPOSIT RATIO(Q)
Highest at 2.41%
NII(Q)
Highest at JOD 81.57 MM
NET SALES(Q)
Highest at JOD 81.57 MM
OPERATING PROFIT(Q)
Highest at JOD 58.94 MM
OPERATING PROFIT MARGIN(Q)
Highest at 72.26 %
PRE-TAX PROFIT(Q)
Highest at JOD 29.69 MM
-1What is not working for the Company
DIVIDEND PAYOUT RATIO(Y)
Lowest at 288.35%
Here's what is working for Jordan Islamic Bank
Net Sales
At JOD 81.57 MM has Grown at 117.62%
over average net sales of the previous four periods of JOD 37.48 MMMOJO Watch
Near term sales trend is extremely positive
Net Sales (JOD MM)
Operating Cash Flow
Highest at JOD 128.21 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 (JOD MM)
Credit Deposit Ratio
Highest at 2.41% 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 (%)
NII
Highest at JOD 81.57 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (JOD MM)
Net Sales
Highest at JOD 81.57 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (JOD MM)
Operating Profit
Highest at JOD 58.94 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (JOD MM)
Operating Profit Margin
Highest at 72.26 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at JOD 29.69 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (JOD MM)
Depreciation
Highest at JOD 2.11 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (JOD MM)
Here's what is not working for Jordan Islamic Bank
Dividend Payout Ratio
Lowest at 288.35%
in the last five yearsMOJO Watch
Company is distributing lower proportion of profits generated as dividend
DPR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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