ScoreWhy is Safwa Islamic Bank ?
1
The company has declared Positive results for the last 4 consecutive quarters
- OPERATING CASH FLOW(Y) Highest at JOD 411.3 MM
- ROCE(HY) Highest at 0.73%
- OPERATING PROFIT MARGIN(Q) Highest at 81.12 %
2
With ROA of 0.57%, it has a fair valuation with a 2.38 Price to Book Value
- The stock is trading at a fair value compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 32.77%, its profits have risen by 46.2% ; the PEG ratio of the company is 1.1
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Safwa Islamic Bank 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 Safwa Islamic Bank for you?
High Risk, High Return
Absolute
Risk Adjusted
Volatility
Safwa Islamic Bank
30.71%
1.75
34.95%
Jordan General Index
46.42%
4.78
10.29%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
38.54%
EBIT Growth (5y)
71.08%
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
0
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
19
Industry P/E
Price to Book Value
2.38
EV to EBIT
2.20
EV to EBITDA
2.13
EV to Capital Employed
6.82
EV to Sales
1.73
PEG Ratio
1.12
Dividend Yield
NA
ROCE (Latest)
310.10%
ROE (Latest)
12.54%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bearish
Bullish
OBV
Mildly Bearish
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend14What is working for the Company
OPERATING CASH FLOW(Y)
Highest at JOD 411.3 MM
ROCE(HY)
Highest at 0.73%
OPERATING PROFIT MARGIN(Q)
Highest at 81.12 %
NET PROFIT(Q)
Highest at JOD 8.25 MM
NII(Q)
Highest at JOD 62.47 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 1,006.66%
NET SALES(Q)
Highest at JOD 62.99 MM
OPERATING PROFIT(Q)
Highest at JOD 51.1 MM
-6What is not working for the Company
INTEREST(9M)
At JOD 0.69 MM has Grown at 160.53%
ROCE(HY)
Lowest at 0.73%
Here's what is working for Safwa Islamic Bank
Operating Profit Margin
Highest at 81.12 % and Grown
In each period in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Net Profit
Highest at JOD 8.25 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Net Profit trend is very positive
Net Profit (JOD MM)
NII
Highest at JOD 62.47 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (JOD MM)
Operating Cash Flow
Highest at JOD 411.3 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (JOD MM)
Net Sales
Highest at JOD 62.99 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (JOD MM)
Operating Profit
Highest at JOD 51.1 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (JOD MM)
Credit Deposit Ratio
Highest at 1,006.66%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Depreciation
Highest at JOD 1.42 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (JOD MM)
Here's what is not working for Safwa Islamic Bank
Interest
At JOD 0.69 MM has Grown at 160.53%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (JOD MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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