ScoreWhy is National Bank of Ras Al Khaimah ?
1
High Profitability with a Net Interest Margin of 6.42%
2
Positive results in Jun 25
- OPERATING CASH FLOW(Y) Highest at AED 3,717.69 MM
- ROCE(HY) Highest at 2.68%
- NII(Q) Highest at AED 914.39 MM
3
With ROA of 1.52%, it has a fair valuation with a 1.16 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 45.79%, its profits have risen by 16% ; the PEG ratio of the company is 0.4
4
Market Beating Performance
- The stock has generated a return of 45.79% in the last 1 year, much higher than market (Abu Dhabi Securities Exchange) returns of 9.12%
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to National Bank of Ras Al Khaimah 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 National Bank of Ras Al Khaimah for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
National Bank of Ras Al Khaimah
-100.0%
1.90
26.94%
Abu Dhabi Securities Exchange
-1.41%
1.13
8.08%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
12.60%
EBIT Growth (5y)
49.19%
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
48.74%
Pledged Shares
0
Institutional Holding
0.05%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
7
Industry P/E
Price to Book Value
1.41
EV to EBIT
8.34
EV to EBITDA
7.83
EV to Capital Employed
1.31
EV to Sales
4.01
PEG Ratio
0.28
Dividend Yield
6.89%
ROCE (Latest)
15.77%
ROE (Latest)
19.92%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bullish
Mildly Bearish
Dow Theory
No Trend
No Trend
OBV
Mildly Bullish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend14What is working for the Company
OPERATING CASH FLOW(Y)
Highest at AED 3,084.91 MM
ROCE(HY)
Highest at 2.93%
NET SALES(Q)
Highest at AED 1,444.09 MM
CASH AND EQV(HY)
Highest at AED 23,264.66 MM
OPERATING PROFIT(Q)
Highest at AED 1,065.08 MM
OPERATING PROFIT MARGIN(Q)
Highest at 73.75 %
PRE-TAX PROFIT(Q)
Highest at AED 1,114.1 MM
NET PROFIT(Q)
Highest at AED 1,011.8 MM
EPS(Q)
Highest at AED 0.5
-3What is not working for the Company
ROCE(HY)
Lowest at 2.93%
CREDIT DEPOSIT RATIO(HY)
Lowest at 88.54%
Here's what is working for National Bank of Ras Al Khaimah
Net Sales
Highest at AED 1,444.09 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (AED MM)
Operating Cash Flow
Highest at AED 3,084.91 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (AED MM)
Operating Profit
Highest at AED 1,065.08 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (AED MM)
Operating Profit Margin
Highest at 73.75 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at AED 1,114.1 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 1,011.8 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (AED MM)
EPS
Highest at AED 0.5
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (AED)
Cash and Eqv
Highest at AED 23,264.66 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Here's what is not working for National Bank of Ras Al Khaimah
Credit Deposit Ratio
Lowest at 88.54%
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 (%)
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