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
-1.41%
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
Bearish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Bearish
Bullish
Dow Theory
Mildly Bullish
No Trend
OBV
Mildly Bullish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend13What is working for the Company
NII(Q)
Highest at AED 464.43 MM
OPERATING CASH FLOW(Y)
Highest at AED 1,672.31 MM
ROCE(HY)
Highest at 1.47%
NET SALES(Q)
Highest at AED 1,046.11 MM
CASH AND EQV(HY)
Highest at AED 11,348.48 MM
OPERATING PROFIT(Q)
Highest at AED 427.03 MM
NET PROFIT(Q)
Highest at AED 380.67 MM
EPS(Q)
Highest at AED 0.11
-3What is not working for the Company
ROCE(HY)
Lowest at 1.47%
CREDIT DEPOSIT RATIO(HY)
Lowest at 101.05%
Here's what is working for Sharjah Islamic Bank
NII
Highest at AED 464.43 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 1,046.11 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 1,672.31 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 427.03 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (AED MM)
Net Profit
Highest at AED 380.67 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (AED MM)
EPS
Highest at AED 0.11
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (AED)
Cash and Eqv
Highest at AED 11,348.48 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 Sharjah Islamic Bank
Credit Deposit Ratio
Lowest at 101.05%
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 (%)
Capital Adequacy Ratio
Lowest at 14.58%
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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