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
2.2%
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
9
Industry P/E
Price to Book Value
1.25
EV to EBIT
9.89
EV to EBITDA
9.62
EV to Capital Employed
1.14
EV to Sales
4.58
PEG Ratio
0.64
Dividend Yield
NA
ROCE (Latest)
11.58%
ROE (Latest)
13.51%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Sideways
Moving Averages
Mildly Bullish (Daily)
KST
Bearish
Bullish
Dow Theory
Mildly Bearish
Mildly Bullish
OBV
Mildly Bearish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend9What is working for the Company
ROCE(HY)
Highest at 1.51%
NII(Q)
Highest at AED 3,838.14 MM
CASH AND EQV(HY)
Highest at AED 111,576.92 MM
DIVIDEND PER SHARE(HY)
Highest at AED 0
EPS(Q)
Highest at AED 0.41
-3What is not working for the Company
ROCE(HY)
Lowest at 1.51%
CREDIT DEPOSIT RATIO(HY)
Lowest at 92.98%
Here's what is working for Abu Dhabi Commercial Bank
NII
Highest at AED 3,838.14 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (AED MM)
EPS
Highest at AED 0.41
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (AED)
Cash and Eqv
Highest at AED 111,576.92 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Dividend per share
Highest at AED 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (AED)
Depreciation
Highest at AED 120.25 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (AED MM)
CASA
Highest at 15.64%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
Here's what is not working for Abu Dhabi Commercial Bank
Credit Deposit Ratio
Lowest at 92.98%
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 (%)
Non Operating Income
Highest at AED 0.01 MM
in the last five periodsMOJO Watch
Increased income from non business activities may not be sustainable
Non Operating income
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