ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Sharjah Islamic Bank ?
1
The company has declared Positive results for the last 5 consecutive quarters
- GROSS NPA (%)(Q) Lowest at 3.32%
- OPERATING CASH FLOW(Y) Highest at AED 1,435.21 MM
- ROCE(HY) Highest at 1.37%
2
With ROA of 1.00%, it has a fair valuation with a 1.29 Price to Book Value
- The stock is trading at a premium compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 24.89%, its profits have risen by 27.1% ; the PEG ratio of the company is 0.3
3
Market Beating performance in long term as well as near term
- Along with generating 24.89% returns in the last 1 year, the stock has outperformed Abu Dhabi Securities Exchange in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Sharjah Islamic Bank 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 Sharjah Islamic Bank for you?
Low Risk, High Return
Absolute
Risk Adjusted
Volatility
Sharjah Islamic Bank
-100.0%
1.68
16.43%
Abu Dhabi Securities Exchange
-1.29%
1.13
8.08%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
18.54%
EBIT Growth (5y)
27.94%
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
52.94%
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
1.71
EV to EBIT
18.56
EV to EBITDA
17.73
EV to Capital Employed
1.26
EV to Sales
6.38
PEG Ratio
0.44
Dividend Yield
4.71%
ROCE (Latest)
6.77%
ROE (Latest)
17.38%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Sideways
Bullish
Moving Averages
Mildly Bearish (Daily)
KST
Mildly Bullish
Mildly Bearish
Dow Theory
Mildly Bearish
Mildly Bullish
OBV
No Trend
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend12What is working for the Company
NII(Q)
Highest at AED 490.87 MM
ROCE(HY)
Highest at 1.41%
NET SALES(Q)
Highest at AED 1,063.98 MM
GROSS NPA (%)
(Q
CREDIT DEPOSIT RATIO(Q)
Highest at 2.7%
PRE-TAX PROFIT(Q)
Highest at AED 465.45 MM
-2What is not working for the Company
ROCE(HY)
Lowest at 1.41%
Here's what is working for Sharjah Islamic Bank
NII
Highest at AED 490.87 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Net Sales
Highest at AED 1,063.98 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (AED MM)
Non Performing Loans (%)
Lowest at 2.7%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are falling
Non Performing Loans (%)
Credit Deposit Ratio
Highest at 2.7% and Grown
In each half year 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 (%)
Pre-Tax Profit
Highest at AED 465.45 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (AED MM)
Depreciation
Highest at AED 17 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (AED MM)
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