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 buy?
- 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
2.2%
1.13
8.08%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
14.98%
EBIT Growth (5y)
25.79%
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
19.72%
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
1.24
EV to EBIT
14.72
EV to EBITDA
14.07
EV to Capital Employed
1.15
EV to Sales
5.20
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
7.78%
ROE (Latest)
12.46%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Bearish
Moving Averages
Mildly Bullish (Daily)
KST
Bullish
Mildly Bearish
Dow Theory
Mildly Bearish
Mildly Bullish
OBV
No Trend
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend10What is working for the Company
OPERATING CASH FLOW(Y)
Highest at AED 466.17 MM
ROCE(HY)
Highest at 1.81%
DIVIDEND PAYOUT RATIO(Y)
Highest at 80.95%
DIVIDEND PER SHARE(HY)
Highest at AED 0
OPERATING PROFIT(Q)
Highest at AED 135.2 MM
OPERATING PROFIT MARGIN(Q)
Highest at 40.79 %
PRE-TAX PROFIT(Q)
Highest at AED 135.2 MM
NET PROFIT(Q)
Highest at AED 122.47 MM
-4What is not working for the Company
ROCE(HY)
Lowest at 1.81%
CREDIT DEPOSIT RATIO(HY)
Lowest at 90.54%
Here's what is working for United Arab Bank PJSC
Operating Cash Flow
Highest at AED 466.17 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 135.2 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (AED MM)
Operating Profit Margin
Highest at 40.79 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at AED 135.2 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (AED MM)
Net Profit
Highest at AED 122.47 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (AED MM)
Dividend per share
Highest at AED 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (AED)
Dividend Payout Ratio
Highest at 80.95%
in the last five yearsMOJO Watch
Company is distributing higher proportion of profits generated as dividend
DPR (%)
Here's what is not working for United Arab Bank PJSC
Credit Deposit Ratio
Lowest at 90.54% and Fallen
In each half year 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 (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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