ScoreWhy is Commercial Bank of Dubai ?
1
Strong Long Term Fundamental Strength with a 0% CAGR growth in Net Interet Income
2
With ROA of 1.56%, it has a attractive valuation with a 1.72 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 -3.71%, its profits have risen by 11.4% ; the PEG ratio of the company is 0.7
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?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
Commercial Bank of Dubai
-3.58%
2.09
28.36%
Abu Dhabi Securities Exchange
-1.29%
-0.11
12.44%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
22.94%
EBIT Growth (5y)
23.08%
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
51.96%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
8
Industry P/E
Price to Book Value
1.72
EV to EBIT
8.49
EV to EBITDA
8.25
EV to Capital Employed
1.58
EV to Sales
4.15
PEG Ratio
0.72
Dividend Yield
NA
ROCE (Latest)
18.63%
ROE (Latest)
20.91%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Bullish
Mildly Bearish
Dow Theory
No Trend
No Trend
OBV
Bullish
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend3What is working for the Company
CREDIT DEPOSIT RATIO(HY)
Highest at 106.41%
OPERATING PROFIT(Q)
Highest at AED 969.77 MM
OPERATING PROFIT MARGIN(Q)
Highest at 52.74 %
-5What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at AED 3,670.1 MM
NII(Q)
Lowest at AED 994.2 MM
Here's what is working for Commercial Bank of Dubai
Operating Profit
Highest at AED 969.77 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (AED MM)
Operating Profit Margin
Highest at 52.74 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Credit Deposit Ratio
Highest at 106.41%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Depreciation
Highest at AED 33.59 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (AED MM)
Here's what is not working for Commercial Bank of Dubai
Operating Cash Flow
Lowest at AED 3,670.1 MM and Fallen
In each year in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (AED MM)
NII
Lowest at AED 994.2 MM
in the last five periodsMOJO Watch
The bank's income from core business is falling
NII (AED MM)
Capital Adequacy Ratio
Lowest at 13%
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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