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 buy?
- 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
2.2%
1.13
8.08%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
18.56%
EBIT Growth (5y)
101.55%
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
10
Industry P/E
Price to Book Value
1.58
EV to EBIT
8.22
EV to EBITDA
7.79
EV to Capital Employed
1.79
EV to Sales
2.97
PEG Ratio
0.18
Dividend Yield
2.60%
ROCE (Latest)
21.78%
ROE (Latest)
15.34%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
Bearish
Bearish
Bollinger Bands
Mildly Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Mildly Bullish
Dow Theory
No Trend
Mildly Bullish
OBV
No Trend
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend8What is working for the Company
GROSS NPA (%)
(Q
ROCE(HY)
Highest at 1.85%
NET PROFIT(9M)
Higher at AED 880.29 MM
-5What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at AED 1,376.05 MM
ROCE(HY)
Lowest at 1.85%
Here's what is working for National Bank of Fujairah PJSC
Non Performing Loans (%)
Lowest at 3.81% 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 (%)
Net Profit
At AED 880.29 MM has Grown at 75.87%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is positive
Net Profit (AED MM)
Net Profit
Higher at AED 880.29 MM
than preceding 12 month period ended Dec 2025MOJO Watch
In the nine month period the company has already crossed sales of the previous twelve months
Net Profit (AED MM)
Depreciation
Highest at AED 27.48 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (AED MM)
Depreciation
At AED 27.48 MM has Grown at 78.69%
period on period (QoQ)MOJO Watch
The expenditure on assets done by the company has gone into productive use which should positively reflect in the future sales
Depreciation (AED MM)
Here's what is not working for National Bank of Fujairah PJSC
Operating Cash Flow
Lowest at AED 1,376.05 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)
Capital Adequacy Ratio
Lowest at 14.9%
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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