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
-1.41%
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
Mildly Bearish
Bullish
RSI
Bearish
Bearish
Bollinger Bands
Mildly Bearish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
No Trend
No Trend
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend12What is working for the Company
GROSS NPA (%)
(Q
ROCE(HY)
Highest at 1.86%
NII(Q)
Highest at AED 498.75 MM
OPERATING PROFIT(Q)
Highest at AED 371.32 MM
OPERATING PROFIT MARGIN(Q)
Highest at 44.11 %
PRE-TAX PROFIT(Q)
Highest at AED 376.03 MM
NET PROFIT(Q)
Highest at AED 342.14 MM
EPS(Q)
Highest at AED 0.13
-5What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at AED 1,205.76 MM
ROCE(HY)
Lowest at 1.86%
Here's what is working for National Bank of Fujairah PJSC
Non Performing Loans (%)
Lowest at 3.78% 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 (%)
NII
Highest at AED 498.75 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (AED MM)
Operating Profit
Highest at AED 371.32 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (AED MM)
Operating Profit Margin
Highest at 44.11 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at AED 376.03 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 342.14 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)
Here's what is not working for National Bank of Fujairah PJSC
Operating Cash Flow
Lowest at AED 1,205.76 MM and Fallen
In each year in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (AED MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
GET THE MARKETSMOJO APP
Company
Stocks
Portfolio
"Investment in securities markets are subject to market risk. Read all the related documents carefully before investing."
