ScoreWhy is National Bank of Fujairah PJSC ?
1
Positive results in Jun 25
- ROCE(HY) Highest at 1.63%
- PRE-TAX PROFIT(Q) Highest at AED 347.43 MM
- GROSS NPA (%)(Q) Lowest at 4.39%
2
With ROA of 0.84%, it has a Expensive valuation with a 1.38 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 -23.30%, its profits have risen by 16% ; the PEG ratio of the company is 1.2
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to National Bank of Fujairah PJSC 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 National Bank of Fujairah PJSC for you?
High Risk, Low Return
Absolute
Risk Adjusted
Volatility
National Bank of Fujairah PJSC
-100.0%
-0.53
47.68%
Abu Dhabi Securities Exchange
-1.29%
1.13
8.08%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
20.89%
EBIT Growth (5y)
89.20%
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
42.83%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
9
Industry P/E
Price to Book Value
1.39
EV to EBIT
8.58
EV to EBITDA
7.91
EV to Capital Employed
1.41
EV to Sales
3.10
PEG Ratio
0.20
Dividend Yield
3.81%
ROCE (Latest)
16.46%
ROE (Latest)
14.82%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Bullish
RSI
Bearish
Bollinger Bands
Bearish
Mildly Bullish
Moving Averages
Bearish (Daily)
KST
Bearish
Bullish
Dow Theory
Bearish
No Trend
OBV
Mildly Bearish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend10What is working for the Company
GROSS NPA (%)
(Q
ROCE(HY)
Highest at 1.87%
OPERATING PROFIT(Q)
Highest at AED 391.21 MM
OPERATING PROFIT MARGIN(Q)
Highest at 45.49 %
PRE-TAX PROFIT(Q)
Highest at AED 395.67 MM
NET PROFIT(Q)
Highest at AED 360.04 MM
EPS(Q)
Highest at AED 0.13
-5What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at AED 1,245.87 MM
ROCE(HY)
Lowest at 1.87%
CREDIT DEPOSIT RATIO(HY)
Lowest at 77.53%
Here's what is working for National Bank of Fujairah PJSC
Non Performing Loans (%)
Lowest at 3.77% 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 (%)
Operating Profit
Highest at AED 391.21 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (AED MM)
Operating Profit Margin
Highest at 45.49 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at AED 395.67 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 360.04 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (AED MM)
EPS
Highest at AED 0.13
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (AED)
CASA
Highest at 16.3%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
Here's what is not working for National Bank of Fujairah PJSC
Operating Cash Flow
Lowest at AED 1,245.87 MM
in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (AED MM)
Credit Deposit Ratio
Lowest at 77.53%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer 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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