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
-1.41%
1.13
8.08%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
18.52%
EBIT Growth (5y)
28.63%
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
1.25
EV to EBIT
19.67
EV to EBITDA
18.72
EV to Capital Employed
1.11
EV to Sales
6.33
PEG Ratio
NA
Dividend Yield
1.75%
ROCE (Latest)
5.63%
ROE (Latest)
12.46%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Sideways
Moving Averages
Mildly Bullish (Daily)
KST
Bearish
Mildly Bearish
Dow Theory
No Trend
No Trend
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend0What is working for the Company
NO KEY POSITIVE TRIGGERS
-7What is not working for the Company
OPERATING PROFIT(Q)
Lowest at AED 85.73 MM
OPERATING PROFIT MARGIN(Q)
Lowest at 25.63 %
PRE-TAX PROFIT(Q)
Lowest at AED 85.73 MM
NET PROFIT(Q)
Lowest at AED 78.05 MM
EPS(Q)
Lowest at AED 0.02
Here's what is not working for United Arab Bank PJSC
Operating Profit
Lowest at AED 85.73 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (AED MM)
Operating Profit Margin
Lowest at 25.63 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Pre-Tax Profit
Lowest at AED 85.73 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (AED MM)
Pre-Tax Profit
At AED 85.73 MM has Fallen at -28.16%
over average net sales of the previous four periods of AED 119.33 MMMOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (AED MM)
Net Profit
Lowest at AED 78.05 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is negative
Net Profit (AED MM)
Net Profit
At AED 78.05 MM has Fallen at -28.02%
over average net sales of the previous four periods of AED 108.43 MMMOJO Watch
Near term Net Profit trend is negative
Net Profit (AED MM)
EPS
Lowest at AED 0.02
in the last five periodsMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (AED)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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