Jaiz Bank PLC is a full-fledged Non-Interest (Islamic) Bank in Nigeria. The company's business divisions include Retail Banking, and Corporate Banking. Its products and services include JAIZ Kids Savings Account, JAIZ Premium Savings Account, Working Capital Finance, Project Financing, JAIZ SMS Banking, JaizPay, JaizMobile and JaizOnline.

Financial Strength

3/10

Name	Current	Vs Industry	Vs History
Cash-To-Debt	4.41
Equity-to-Asset	0.05
Debt-to-Equity	1.56
Debt-to-EBITDA	N/A	N/A	N/A
Interest Coverage	N/A	N/A	N/A
Piotroski F-Score	6/9	0 1 2 3 4 5 6 7 8 9
Beneish M-Score	-1.8	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

3/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	24
	3-Year EPS without NRI Growth Rate	34.2
	3-Year FCF Growth Rate	13.1
	3-Year Book Growth Rate	17.8

Momentum Rank

	Name	Current	Vs Industry		Vs History
	5-Day RSI	88.85
	9-Day RSI	77.71
	14-Day RSI	68.73
	6-1 Month Momentum %	45.45
	12-1 Month Momentum %	174.02

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Dividend Yield %	1.78
	Dividend Payout Ratio	0.17
	Forward Dividend Yield %	1.78
	5-Year Yield-on-Cost %	1.91
	3-Year Average Share Buyback Ratio	-5.4
	Shareholder Yield %	7.24

Profitability Rank

6/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	30.41
	FCF Margin %	23.43
	ROE %	35.72
	ROA %	2.3
	Years of Profitability over Past 10-Year	8

GF Value Rank

3/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	9.69
	PE Ratio without NRI	9.69
	Price-to-Owner-Earnings	8.27
	PEG Ratio	0.62
	PS Ratio	2.95
	PB Ratio	3.47
	Price-to-Tangible-Book	3.51
	Price-to-Free-Cash-Flow	12.59
	Price-to-Operating-Cash-Flow	8.75
	EV-to-Revenue	-1.58
	EV-to-FCF	-7.63
	Price-to-Peter-Lynch-Fair-Value	0.9
	Price-to-Graham-Number	1.23
	FCF Yield %	7.94

GF Value: ₦1.17

NSA:JAIZBANK

Warning Signs

Warning! GuruFocus detected 2 Severe warning signs with JAIZBANK. Try a 7-Day Free Trial to check it out.

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