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 buy?
- 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
2.2%
1.13
8.08%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
17.68%
EBIT Growth (5y)
29.19%
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
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
1.49
EV to EBIT
22.72
EV to EBITDA
21.65
EV to Capital Employed
1.14
EV to Sales
7.74
PEG Ratio
0.55
Dividend Yield
NA
ROCE (Latest)
5.04%
ROE (Latest)
15.20%
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
Bullish
Bullish
Dow Theory
Mildly Bearish
Bullish
OBV
Mildly Bearish
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend12What is working for the Company
GROSS NPA (%)
(Q
NII(Q)
Highest at AED 405.3 MM
NET PROFIT(9M)
Higher at AED 1,013.41 MM
CASH AND EQV(HY)
Highest at AED 9,752.69 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 108.05%
NET SALES(Q)
Highest at AED 1,001.75 MM
OPERATING PROFIT(Q)
Highest at AED 427.03 MM
OPERATING PROFIT MARGIN(Q)
Highest at 42.63 %
PRE-TAX PROFIT(Q)
Highest at AED 448.41 MM
-2What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at AED 1,196.92 MM
Here's what is working for Sharjah Islamic Bank
Non Performing Loans (%)
Lowest at 3.05% and Fallen
In each half year 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 405.3 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (AED MM)
Net Sales
Highest at AED 1,001.75 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (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)
Operating Profit Margin
Highest at 42.63 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at AED 448.41 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (AED MM)
Cash and Eqv
Highest at AED 9,752.69 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Credit Deposit Ratio
Highest at 108.05%
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 (%)
Net Profit
Higher at AED 1,013.41 MM
than preceding 12 month period ended Sep 2025MOJO Watch
In the nine month period the company has already crossed sales of the previous twelve months
Net Profit (AED MM)
Here's what is not working for Sharjah Islamic Bank
Operating Cash Flow
Lowest at AED 1,196.92 MM
in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (AED MM)
Non Operating Income
Highest at AED 0.07 MM
in the last five periodsMOJO Watch
Increased income from non business activities may not be sustainable
Non Operating income
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
GET THE MARKETSMOJO APP
Company
Stocks
Portfolio
"Investment in securities markets are subject to market risk. Read all the related documents carefully before investing."
