ScoreWhy is MashreqBank PSC ?
1
Healthy long term growth as Net profit has grown by an annual rate of 48.30%
2
Positive results in Dec 25
- OPERATING CASH FLOW(Y) Highest at AED 17,388.51 MM
- CREDIT DEPOSIT RATIO(Q) Highest at 0.89%
- NET SALES(Q) Highest at AED 4,107.28 MM
3
With ROA of 1.26%, it has a very attractive valuation with a 1.26 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 -12.09%, its profits have fallen by -26%
4
Underperformed the market in the last 1 year
- Even though the market (Abu Dhabi Securities Exchange) has generated returns of 2.20% in the last 1 year, the stock has hugely underperformed and has generate negative returns of -12.09% returns
Real-Time Research ReportHow much should you hold?
- 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, Medium Return
Absolute
Risk Adjusted
Volatility
MashreqBank PSC
-12.09%
0.29
25.02%
Abu Dhabi Securities Exchange
2.2%
0.18
12.34%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
25.70%
EBIT Growth (5y)
50.64%
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
30.93%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
7
Industry P/E
Price to Book Value
1.26
EV to EBIT
9.75
EV to EBITDA
9.40
EV to Capital Employed
1.14
EV to Sales
4.83
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
11.70%
ROE (Latest)
18.16%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Bearish
Moving Averages
Bearish (Daily)
KST
Bearish
Mildly Bearish
Dow Theory
No Trend
No Trend
OBV
Mildly Bearish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend6What is working for the Company
OPERATING CASH FLOW(Y)
Highest at AED 17,388.51 MM
CREDIT DEPOSIT RATIO(Q)
Highest at 0.89%
NET SALES(Q)
Highest at AED 4,107.28 MM
-1What is not working for the Company
NET PROFIT(Q)
Fallen at -46.38%
Here's what is working for MashreqBank PSC
Operating Cash Flow
Highest at AED 17,388.51 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 (AED MM)
Credit Deposit Ratio
Highest at 0.89% 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 (%)
Net Sales
Highest at AED 4,107.28 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (AED MM)
Depreciation
Highest at AED 82.89 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (AED MM)
Here's what is not working for MashreqBank PSC
Net Profit
Fallen at -46.38%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is negative
Net Profit (AED MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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