FAB Stock Overview
First Abu Dhabi Bank P.J.S.C., together with its subsidiaries, provides various banking products and services in the United Arab Emirates, Europe, the Americas, the Middle East, Africa, and the Asia Pacific.
No risks detected for FAB from our risk checks.
First Abu Dhabi Bank P.J.S.C Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||د.إ18.42|
|52 Week High||د.إ24.06|
|52 Week Low||د.إ15.95|
|1 Month Change||-1.60%|
|3 Month Change||-19.35%|
|1 Year Change||14.61%|
|3 Year Change||25.41%|
|5 Year Change||77.48%|
|Change since IPO||79.19%|
Recent News & Updates
|FAB||AE Banks||AE Market|
Return vs Industry: FAB exceeded the AE Banks industry which returned 13.2% over the past year.
Return vs Market: FAB underperformed the AE Market which returned 39.9% over the past year.
|FAB Average Weekly Movement||5.2%|
|Banks Industry Average Movement||3.9%|
|Market Average Movement||5.1%|
|10% most volatile stocks in AE Market||8.6%|
|10% least volatile stocks in AE Market||2.8%|
Stable Share Price: FAB is not significantly more volatile than the rest of AE stocks over the past 3 months, typically moving +/- 5% a week.
Volatility Over Time: FAB's weekly volatility (5%) has been stable over the past year.
About the Company
|n/a||n/a||Hana Al Rostamani||https://www.bankfab.com|
First Abu Dhabi Bank P.J.S.C., together with its subsidiaries, provides various banking products and services in the United Arab Emirates, Europe, the Americas, the Middle East, Africa, and the Asia Pacific. The company operates in four segments: Investment Banking; Corporate & Commercial Banking; Consumer Banking; and Global Private Banking. It offers banking products, such as savings, current, call, and business accounts, and deposit products; personal, secured, landlord, buyout, car, and business loans; mortgages; motor, travel, home, and business insurance products; credit and prepaid cards; and trade finance solutions, which include letters of credit and guarantee, bills of collection, and trade and supply chain financing.
First Abu Dhabi Bank P.J.S.C Fundamentals Summary
|FAB fundamental statistics|
Is FAB overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|FAB income statement (TTM)|
|Cost of Revenue||د.إ0|
Last Reported Earnings
Mar 31, 2022
Next Earnings Date
|Earnings per share (EPS)||1.34|
|Net Profit Margin||65.40%|
How did FAB perform over the long term?See historical performance and comparison
2.6%Current Dividend Yield
Is FAB undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score 1/6
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Below Fair Value
Significantly Below Fair Value
Key Valuation Metric
Which metric is best to use when looking at relative valuation for FAB?
Other financial metrics that can be useful for relative valuation.
|What is FAB's n/a Ratio?|
Price to Earnings Ratio vs Peers
How does FAB's PE Ratio compare to its peers?
|FAB PE Ratio vs Peers|
|Company||PE||Estimated Growth||Market Cap|
Price-To-Earnings vs Peers: FAB is good value based on its Price-To-Earnings Ratio (13.7x) compared to the peer average (17.8x).
Price to Earnings Ratio vs Industry
How does FAB's PE Ratio compare vs other companies in the Banks Industry?
Price-To-Earnings vs Industry: FAB is expensive based on its Price-To-Earnings Ratio (13.7x) compared to the AE Banks industry average (10.8x)
Price to Earnings Ratio vs Fair Ratio
What is FAB's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.
|Current PE Ratio||13.7x|
|Fair PE Ratio||11.9x|
Price-To-Earnings vs Fair Ratio: FAB is expensive based on its Price-To-Earnings Ratio (13.7x) compared to the estimated Fair Price-To-Earnings Ratio (11.9x).
Share Price vs Fair Value
What is the Fair Price of FAB when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: FAB (AED18.42) is trading above our estimate of fair value (AED9.77)
Significantly Below Fair Value: FAB is trading above our estimate of fair value.
Price to Earnings Growth Ratio
PEG Ratio: FAB is poor value based on its PEG Ratio (4.4x)
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How is First Abu Dhabi Bank P.J.S.C forecast to perform in the next 1 to 3 years based on estimates from 8 analysts?
Future Growth Score1/6
Future Growth Score 1/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: FAB's forecast earnings growth (3.1% per year) is below the savings rate (9%).
Earnings vs Market: FAB's earnings (3.1% per year) are forecast to grow slower than the AE market (4.9% per year).
High Growth Earnings: FAB's earnings are forecast to grow, but not significantly.
Revenue vs Market: FAB's revenue (9.2% per year) is forecast to grow faster than the AE market (5.5% per year).
High Growth Revenue: FAB's revenue (9.2% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: FAB's Return on Equity is forecast to be low in 3 years time (14.6%).
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How has First Abu Dhabi Bank P.J.S.C performed over the past 5 years?
Past Performance Score5/6
Past Performance Score 5/6
Growing Profit Margin
Earnings vs Industry
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: FAB has high quality earnings.
Growing Profit Margin: FAB's current net profit margins (65.4%) are higher than last year (63.1%).
Past Earnings Growth Analysis
Earnings Trend: FAB's earnings have grown by 8.6% per year over the past 5 years.
Accelerating Growth: FAB's earnings growth over the past year (44.3%) exceeds its 5-year average (8.6% per year).
Earnings vs Industry: FAB earnings growth over the past year (44.3%) exceeded the Banks industry 31.9%.
Return on Equity
High ROE: FAB's Return on Equity (13.7%) is considered low.
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How is First Abu Dhabi Bank P.J.S.C's financial position? (This company is analysed differently as a bank or financial institution)
Financial Health Score4/6
Financial Health Score 4/6
Allowance for Bad Loans
Low Risk Liabilities
Low Risk Deposits
Level of Bad Loans
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: FAB's Assets to Equity ratio (8.8x) is low.
Allowance for Bad Loans: FAB has a low allowance for bad loans (58%).
Low Risk Liabilities: 76% of FAB's liabilities are made up of primarily low risk sources of funding.
Loan Level: FAB has an appropriate level of Loans to Assets ratio (44%).
Low Risk Deposits: FAB's Loans to Deposits ratio (66%) is appropriate.
Level of Bad Loans: FAB has a high level of bad loans (5%).
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What is First Abu Dhabi Bank P.J.S.C current dividend yield, its reliability and sustainability?
Dividend Score 2/6
Future Dividend Coverage
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: FAB's dividend (2.63%) isn’t notable compared to the bottom 25% of dividend payers in the AE market (3.35%).
High Dividend: FAB's dividend (2.63%) is low compared to the top 25% of dividend payers in the AE market (5.67%).
Stability and Growth of Payments
Stable Dividend: FAB has been paying a dividend for less than 10 years and during this time payments have been volatile.
Growing Dividend: FAB has only been paying a dividend for 4 years, and since then payments have fallen.
Current Payout to Shareholders
Earnings Coverage: With its reasonably low payout ratio (36.1%), FAB's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: FAB's dividends in 3 years are forecast to be covered by earnings (50.8% payout ratio).
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How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Hana Al Rostamani
Ms. Hana Al Rostamani has been Group Chief Executive Officer at First Abu Dhabi Bank P.J.S.C. since January 2021 and served as its Deputy Chief Executive Officer since April 1, 2020 until January 2021. She...
Experienced Management: FAB's management team is considered experienced (4 years average tenure).
Experienced Board: FAB's board of directors are considered experienced (5.3 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
First Abu Dhabi Bank P.J.S.C.'s employee growth, exchange listings and data sources
- Name: First Abu Dhabi Bank P.J.S.C.
- Ticker: FAB
- Exchange: ADX
- Founded: NaN
- Industry: Diversified Banks
- Sector: Banks
- Implied Market Cap: د.إ203.377b
- Shares outstanding: 11.04b
- Website: https://www.bankfab.com
Number of Employees
- First Abu Dhabi Bank P.J.S.C.
- FAB Building
- Khalifa Business Park 1 Al Qurum
- Abu Dhabi
- United Arab Emirates
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/06/25 00:00|
|End of Day Share Price||2022/06/24 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.