ScoreWhy is MashreqBank PSC ?
1
Strong Long Term Fundamental Strength with a 34.00% CAGR growth in Net Profits
2
Positive results in Jun 25
- OPERATING CASH FLOW(Y) Highest at AED 15,717.69 MM
- CASH AND EQV(HY) Highest at AED 87,518.95 MM
- CREDIT DEPOSIT RATIO(HY) Highest at 112.39%
3
With ROA of 2.01%, it has a fair valuation with a 1.45 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 12.22%, its profits have risen by 4% ; the PEG ratio of the company is 1.4
4
Consistent Returns over the last 3 years
- Along with generating 12.22% 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 MashreqBank PSC should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is MashreqBank PSC for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
MashreqBank PSC
12.24%
1.16
22.79%
Abu Dhabi Securities Exchange
7.69%
0.97
8.15%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
19.20%
EBIT Growth (5y)
38.04%
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
47.47%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
5
Industry P/E
Price to Book Value
1.45
EV to EBIT
6.48
EV to EBITDA
6.29
EV to Capital Employed
1.31
EV to Sales
3.87
PEG Ratio
1.40
Dividend Yield
8.87%
ROCE (Latest)
20.29%
ROE (Latest)
27.07%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Mildly Bearish
RSI
Bearish
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Mildly Bearish (Daily)
KST
Bearish
Mildly Bearish
Dow Theory
No Trend
No Trend
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend4What is working for the Company
OPERATING CASH FLOW(Y)
Highest at AED 15,717.69 MM
CASH AND EQV(HY)
Highest at AED 87,518.95 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 112.39%
-4What is not working for the Company
OPERATING PROFIT(Q)
Lowest at AED 1,874.87 MM
PRE-TAX PROFIT(Q)
Lowest at AED 1,975.2 MM
NET PROFIT(Q)
Lowest at AED 1,582.6 MM
EPS(Q)
Lowest at AED 7.89
Here's what is working for MashreqBank PSC
Operating Cash Flow
Highest at AED 15,717.69 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (AED MM)
Cash and Eqv
Highest at AED 87,518.95 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Credit Deposit Ratio
Highest at 112.39%
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 MashreqBank PSC
Operating Profit
Lowest at AED 1,874.87 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (AED MM)
Pre-Tax Profit
Lowest at AED 1,975.2 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (AED MM)
Net Profit
Lowest at AED 1,582.6 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is negative
Net Profit (AED MM)
EPS
Lowest at AED 7.89
in the last five periodsMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (AED)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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