ScoreWhy is Jordan Islamic Bank ?
1
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 21.27% signifying inadequate buffers against its risk based assets
- Poor long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 4.76%
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 21.27% signifying inadequate buffers against its risk based assets
- The bank has been able to generate a Return on Assets (avg) of 0.87% signifying low profitability per unit of total assets
2
Poor long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 4.76%
3
Positive results in Jun 25
- OPERATING CASH FLOW(Y) Highest at JOD 79.9 MM
- CREDIT DEPOSIT RATIO(Q) Highest at 0%
- PRE-TAX PROFIT(Q) Highest at JOD 29.13 MM
4
With ROA of 0.87%, it has a expensive valuation with a 1.64 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 13.03%, its profits have risen by 8.6% ; the PEG ratio of the company is 1.5
Real-Time Research ReportHow much should you hold?
- 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
11.72%
1.06
10.71%
Jordan General Index
41.13%
4.48
9.22%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
2.97%
EBIT Growth (5y)
4.90%
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
75.64%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
13
Industry P/E
Price to Book Value
1.64
EV to EBIT
2.14
EV to EBITDA
1.99
EV to Capital Employed
-1.43
EV to Sales
1.46
PEG Ratio
1.53
Dividend Yield
0.06%
ROCE (Latest)
Negative Capital Employed
ROE (Latest)
12.52%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
Bearish
Bearish
Bollinger Bands
Mildly Bullish
Mildly Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
Mildly Bullish
No Trend
OBV
Mildly Bullish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend8What is working for the Company
OPERATING CASH FLOW(Y)
Highest at JOD 79.9 MM
CREDIT DEPOSIT RATIO(Q)
Highest at 0%
PRE-TAX PROFIT(Q)
Highest at JOD 29.13 MM
NET PROFIT(Q)
Highest at JOD 19.35 MM
EPS(Q)
Highest at JOD 0.1
0What is not working for the Company
NO KEY NEGATIVE TRIGGERS
Here's what is working for Jordan Islamic Bank
Operating Cash Flow
Highest at JOD 79.9 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 0% 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 (%)
Pre-Tax Profit
Highest at JOD 29.13 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (JOD MM)
Net Profit
Highest at JOD 19.35 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (JOD MM)
EPS
Highest at JOD 0.1
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (JOD)
Here's what is not working for Jordan Islamic Bank
Capital Adequacy Ratio
Lowest at 19.39%
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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