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
- ROCE(HY) Highest at 2.24%
- PRE-TAX PROFIT(Q) Highest at AED 1,011.43 MM
- CASH AND EQV(HY) Highest at AED 40,928.79 MM
3
With ROA of 1.54%, it has a very attractive valuation with a 1.61 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 32.87%, its profits have risen by 16.2% ; the PEG ratio of the company is 0.5
4
Consistent Returns over the last 3 years
- Along with generating 32.87% 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
32.87%
1.52
37.98%
Abu Dhabi Securities Exchange
2.2%
0.18
12.34%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
21.73%
EBIT Growth (5y)
22.71%
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
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
1.61
EV to EBIT
6.92
EV to EBITDA
6.75
EV to Capital Employed
1.67
EV to Sales
3.38
PEG Ratio
0.51
Dividend Yield
NA
ROCE (Latest)
24.15%
ROE (Latest)
19.56%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Bullish
Mildly Bearish
Dow Theory
Mildly Bearish
No Trend
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend6What is working for the Company
ROCE(HY)
Highest at 2.24%
PRE-TAX PROFIT(Q)
Highest at AED 1,011.43 MM
CASH AND EQV(HY)
Highest at AED 40,928.79 MM
NET SALES(Q)
Highest at AED 1,978.35 MM
-6What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at AED 3,608.46 MM
ROCE(HY)
Lowest at 2.24%
CREDIT DEPOSIT RATIO(HY)
Lowest at 98.86%
Here's what is working for Commercial Bank of Dubai
Pre-Tax Profit
Highest at AED 1,011.43 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)
Net Sales
Highest at AED 1,978.35 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (AED MM)
Cash and Eqv
Highest at AED 40,928.79 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Depreciation
Highest at AED 28.36 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 3,608.46 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)
Credit Deposit Ratio
Lowest at 98.86%
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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