ScoreWhy is Commercial Bank of Dubai ?
1
Strong Long Term Fundamental Strength with a 0% CAGR growth in Net Interet Income
2
The company has declared Positive results for the last 14 consecutive quarters
- GROSS NPA (%)(Q) Lowest at 4.75%
- OPERATING PROFIT(Q) Highest at AED 952.11 MM
- OPERATING PROFIT MARGIN(Q) Highest at 50.71 %
3
With ROA of 1.46%, it has a fair valuation with a 1.87 Price to Book Value
- The stock is trading at a fair value compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 34.69%, its profits have risen by 14.4% ; the PEG ratio of the company is 0.6
4
Consistent Returns over the last 3 years
- Along with generating 34.69% returns in the last 1 year, the stock has outperformed Abu Dhabi Securities Exchange in each of the last 3 annual periods
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to Commercial Bank of Dubai 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 Commercial Bank of Dubai for you?
High Risk, High Return
Absolute
Risk Adjusted
Volatility
Commercial Bank of Dubai
36.22%
1.59
37.13%
Abu Dhabi Securities Exchange
7.69%
0.97
8.15%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
20.88%
EBIT Growth (5y)
21.73%
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
52.28%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
9
Industry P/E
Price to Book Value
1.87
EV to EBIT
7.30
EV to EBITDA
7.14
EV to Capital Employed
2.09
EV to Sales
3.41
PEG Ratio
0.64
Dividend Yield
NA
ROCE (Latest)
28.59%
ROE (Latest)
20.34%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bullish
No Trend
OBV
Mildly Bullish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend12What is working for the Company
GROSS NPA (%)
(Q
OPERATING PROFIT(Q)
Highest at AED 952.11 MM
OPERATING PROFIT MARGIN(Q)
Highest at 50.71 %
PRE-TAX PROFIT(Q)
Highest at AED 952.01 MM
NII(Q)
Highest at AED 1,030.67 MM
CASH AND EQV(HY)
Highest at AED 35,467.26 MM
0What is not working for the Company
NO KEY NEGATIVE TRIGGERS
Here's what is working for Commercial Bank of Dubai
Non Performing Loans (%)
Lowest at 4.75% and Fallen
In each half year in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are falling
Non Performing Loans (%)
Operating Profit
Highest at AED 952.11 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Operating Profit trend is quite positive
Operating Profit (AED MM)
Operating Profit Margin
Highest at 50.71 % and Grown
In each period in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at AED 952.01 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (AED MM)
NII
Highest at AED 1,030.67 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (AED MM)
Cash and Eqv
Highest at AED 35,467.26 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Depreciation
Highest at AED 22.06 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (AED MM)
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