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
2.2%
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
1.40
EV to EBIT
9.16
EV to EBITDA
8.60
EV to Capital Employed
1.28
EV to Sales
4.40
PEG Ratio
0.29
Dividend Yield
5.30%
ROCE (Latest)
13.99%
ROE (Latest)
19.10%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
Bullish
No Signal
Bollinger Bands
Mildly Bearish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
Mildly Bullish
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend12What is working for the Company
ROCE(HY)
Highest at 2.69%
DIVIDEND PER SHARE(HY)
Highest at AED 0
GROSS NPA (%)
(Q
NII(Q)
Highest at AED 963.63 MM
CASH AND EQV(HY)
Highest at AED 21,427.9 MM
NET SALES(Q)
Highest at AED 1,432.01 MM
-4What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at AED 2,172.77 MM
ROCE(HY)
Lowest at 2.69%
Here's what is working for National Bank of Ras Al Khaimah
Non Performing Loans (%)
Lowest at 1.62%
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 963.63 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (AED MM)
Dividend per share
Highest at AED 0 and Grown
In each year in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (AED)
Net Sales
Highest at AED 1,432.01 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (AED MM)
Cash and Eqv
Highest at AED 21,427.9 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Depreciation
Highest at AED 64.91 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 64.91 MM has Grown at 65.56%
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 Ras Al Khaimah
Operating Cash Flow
Lowest at AED 2,172.77 MM
in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (AED MM)
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