ScoreWhy is United Arab Bank PJSC ?
1
Healthy long term growth as Net profit has grown by an annual rate of 20.74%
2
The company has declared Positive results for the last 3 consecutive quarters
- GROSS NPA (%)(Q) Lowest at 2.08%
- NII(Q) Highest at AED 157.95 MM
- ROCE(HY) Highest at 1.69%
3
With ROA of 1.05%, it has a expensive valuation with a 1.37 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 30.55%, its profits have risen by 24.4% ; the PEG ratio of the company is 0.4
4
Market Beating performance in long term as well as near term
- Along with generating 30.55% 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 United Arab Bank PJSC 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 United Arab Bank PJSC for you?
High Risk, Medium Return
Absolute
Risk Adjusted
Volatility
United Arab Bank PJSC
-100.0%
0.47
38.34%
Abu Dhabi Securities Exchange
7.69%
1.13
8.08%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
11.82%
EBIT Growth (5y)
23.95%
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
10
Industry P/E
Price to Book Value
1.69
EV to EBIT
17.22
EV to EBITDA
16.25
EV to Capital Employed
1.30
EV to Sales
5.42
PEG Ratio
0.43
Dividend Yield
NA
ROCE (Latest)
7.58%
ROE (Latest)
16.60%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Mildly Bearish
RSI
Bearish
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Mildly Bearish (Daily)
KST
Bullish
Bullish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
Bullish
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend18What is working for the Company
GROSS NPA (%)
(Q
NII(Q)
Highest at AED 157.95 MM
ROCE(HY)
Highest at 1.69%
OPERATING PROFIT(Q)
Highest at AED 116.7 MM
PRE-TAX PROFIT(Q)
Highest at AED 116.7 MM
NET PROFIT(Q)
Highest at AED 106.17 MM
CASH AND EQV(HY)
Highest at AED 4,883.87 MM
NET SALES(Q)
Highest at AED 336.84 MM
EPS(Q)
Highest at AED 0.05
-3What is not working for the Company
ROCE(HY)
Lowest at 1.69%
CREDIT DEPOSIT RATIO(HY)
Lowest at 92.26%
Here's what is working for United Arab Bank PJSC
Non Performing Loans (%)
Lowest at 2.08% 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 157.95 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA (%)
Operating Profit
Highest at AED 116.7 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Operating Profit trend is quite positive
Operating Profit (AED MM)
Pre-Tax Profit
Highest at AED 116.7 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (AED MM)
Net Profit
Highest at AED 106.17 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Net Profit trend is very positive
Net Profit (AED MM)
Net Sales
Highest at AED 336.84 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (AED MM)
EPS
Highest at AED 0.05
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (AED)
Cash and Eqv
Highest at AED 4,883.87 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 United Arab Bank PJSC
Credit Deposit Ratio
Lowest at 92.26%
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 15.1%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
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