ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Abu Dhabi Commercial Bank ?
1
The company has declared Positive results for the last 10 consecutive quarters
- OPERATING CASH FLOW(Y) Highest at AED 13,535.27 MM
- NII(Q) Highest at AED 3,662.67 MM
- CASH AND EQV(HY) Highest at AED 105,983.89 MM
2
With ROA of 0.91%, it has a fair valuation with a 1.32 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 86.90%, its profits have risen by 12% ; the PEG ratio of the company is 0.8
3
Market Beating performance in long term as well as near term
- Along with generating 86.90% 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 Abu Dhabi Commercial Bank should be less than 10%
- Overall Portfolio exposure to Major Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Major Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Abu Dhabi Commercial Bank for you?
High Risk, High Return
Absolute
Risk Adjusted
Volatility
Abu Dhabi Commercial Bank
-100.0%
3.09
32.96%
Abu Dhabi Securities Exchange
-1.41%
1.13
8.08%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
20.10%
EBIT Growth (5y)
13.71%
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
43.44%
Pledged Shares
0
Institutional Holding
0.00%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
11
Industry P/E
Price to Book Value
1.49
EV to EBIT
10.69
EV to EBITDA
10.40
EV to Capital Employed
1.27
EV to Sales
4.96
PEG Ratio
0.74
Dividend Yield
4.03%
ROCE (Latest)
11.93%
ROE (Latest)
14.03%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Bullish
Moving Averages
Mildly Bearish (Daily)
KST
Mildly Bullish
Mildly Bearish
Dow Theory
No Trend
No Trend
OBV
Mildly Bearish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend6What is working for the Company
ROCE(HY)
Highest at 1.58%
CASH AND EQV(HY)
Highest at AED 143,286 MM
PRE-TAX PROFIT(Q)
Highest at AED 4,452 MM
-5What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at AED 12,324.42 MM
ROCE(HY)
Lowest at 1.58%
CREDIT DEPOSIT RATIO(HY)
Lowest at 91.74%
Here's what is working for Abu Dhabi Commercial Bank
Pre-Tax Profit
Highest at AED 4,452 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (AED MM)
Cash and Eqv
Highest at AED 143,286 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 Abu Dhabi Commercial Bank
Operating Cash Flow
Lowest at AED 12,324.42 MM
in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (AED MM)
Credit Deposit Ratio
Lowest at 91.74%
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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