ScoreWhy 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
7.69%
1.13
8.08%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
15.60%
EBIT Growth (5y)
13.35%
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
49.34%
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
1.48
EV to EBIT
12.47
EV to EBITDA
12.10
EV to Capital Employed
1.24
EV to Sales
4.98
PEG Ratio
0.97
Dividend Yield
4.34%
ROCE (Latest)
9.91%
ROE (Latest)
12.94%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
Bearish
Bollinger Bands
Bearish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
No Trend
Mildly Bearish
OBV
Mildly Bearish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend12What is working for the Company
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
OPERATING PROFIT(Q)
Highest at AED 4,543.68 MM
OPERATING PROFIT MARGIN(Q)
Highest at 52.56 %
PRE-TAX PROFIT(Q)
Highest at AED 4,432.08 MM
NET PROFIT(Q)
Highest at AED 3,642.46 MM
-1What is not working for the Company
CREDIT DEPOSIT RATIO(HY)
Lowest at 95.96%
Here's what is working for Abu Dhabi Commercial Bank
Operating Cash Flow
Highest at AED 13,535.27 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (AED MM)
NII
Highest at AED 3,662.67 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (AED MM)
Operating Profit
Highest at AED 4,543.68 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (AED MM)
Operating Profit Margin
Highest at 52.56 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at AED 4,432.08 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (AED MM)
Net Profit
Highest at AED 3,642.46 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (AED MM)
Cash and Eqv
Highest at AED 105,983.89 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
Credit Deposit Ratio
Lowest at 95.96%
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 (%)
Capital Adequacy Ratio
Lowest at 14.04%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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