Abu Dhabi Commercial Bank PJSC
Abu Dhabi Commercial Bank PJSC operates as a commercial bank within the Financials sector, generating revenue through interest income and fee-based banking services.
Business. Abu Dhabi Commercial Bank PJSC (ADCB.AD) is a commercial bank headquartered in Abu Dhabi that operates within the Banking Services industry. The company generates revenue primarily through interest income, consistent with standard commercial banking activities. Specific details regarding its operating segments and geographic mix are not provided. The company is listed under the ticker ADCB.AD.
Analyst recommendations
18 analysts · consensus BuyAt a glance
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- Peers
- DividendDividend USD 1.75/sh2026-09-25 · Bank of America (BAC)
- EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · JPMorgan Chase (JPM)
- EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · Citigroup (C)
- Macro
- Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
- Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
- Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
- Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
- Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
- Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
- Macro & political
- ElectionSE Swedish Election2026-09-14 · SE
- ElectionUS U.S. Midterms2026-11-03 · US
- ElectionFR French Legislative2027-06-01 · FR
Pre-earnings brief
Signals & dispatch
Composite-score breakdown
Synthesis
Abu Dhabi Commercial Bank PJSC (ADCB.AD) is a commercial bank headquartered in Abu Dhabi that operates within the Banking Services industry. The company generates revenue primarily through interest income, consistent with standard commercial banking activities. Specific details regarding its operating segments and geographic mix are not provided. The company is listed under the ticker ADCB.AD.
Abu Dhabi Commercial Bank PJSC maintains a capital structure characterized by total assets of 773.65 billion AED and total equity of 88.74 billion AED. The bank carries long-term debt of 98.78 billion AED, resulting in a debt-to-equity ratio of 1.11. Liquidity is assessed as medium, with a key flag noting that net cash is negative after subtracting total debt. Operating cash flow stands at 24.69 billion AED, while free cash flow is 7.57 billion AED.
Profitability metrics indicate a return on equity of 13.93% and a return on assets of 1.60%. The bank reported net income of 11.45 billion AED against revenue of 14.69 billion AED. Without specific cohort median data provided in the input, these returns are evaluated based on the disclosed absolute figures, showing a net margin of approximately 78%.
Segment and geographic revenue mix data is not present in the available input, so specific concentration risks by segment or region cannot be detailed. The analysis relies on the consolidated financial snapshot for performance assessment.
Historical period data for revenue and net income trends is absent from the input, preventing a detailed growth trajectory analysis over the last five years or eight quarters. The current snapshot reflects the latest normalized period performance.
Risk assessment highlights medium liquidity risk and low dilution risk. The primary financial flag is the negative net cash position after debt subtraction. Dilution risk is low, supported by the fact that basic and diluted shares outstanding are identical at 7.91 billion shares.
Recent observations include analyst estimates with a mean price target of 17.29 AED and a median of 17.00 AED. The mean recommendation is 2.11, indicating a buy bias, with 3 strong buys, 12 buys, and 2 holds. Competitor context lists JPMorgan Chase, Bank of America, and Citigroup, though no comparative metrics are provided.
- The bank generates 11.45 billion AED in net income on 14.69 billion AED in revenue, yielding a high net margin.
- Return on equity is 13.93%, reflecting efficient use of 88.74 billion AED in total equity.
- Liquidity risk is medium due to negative net cash after debt, despite 24.69 billion AED in operating cash flow.
- Dilution risk is low as basic and diluted share counts are identical at 7.91 billion shares.
- Analyst sentiment is positive with a mean recommendation of 2.11 and a mean price target of 17.29 AED.
Bull / Bear case
Generated · model-assistedNet income surged 21.5% year-over-year to AED 11.4 billion, demonstrating robust profitability growth.
Revenue grew 11.1% to AED 14.7 billion, reflecting strong top-line expansion in total operating revenue.
Analysts project 32% upside to a mean price target of AED 17.29, signaling strong market confidence.
Total assets expanded 18.5% year-over-year to AED 773.7 billion, indicating substantial balance sheet growth.
Debt-to-equity ratio of 1.11 is significantly higher than the 0.29 median for the banking cohort.
Long-term debt increased to AED 98.8 billion, reflecting rising leverage obligations on the balance sheet.
The company faces medium liquidity risk, which could constrain operational flexibility during market stress periods.
Free cash flow declined 41.2% year-over-year to AED 5.4 billion, indicating weaker cash generation.
Return on assets of 1.6% remains modest, suggesting limited efficiency in asset utilization relative to size.
In focus — financials by report
Revenue AED 3.74B, +10,2% YoY; Net income +37,4% YoY.
- ▍Revenue AED 3.74B, +10,2% YoY
- ▍Net income +37,4% YoY
- ▍Free cash flow +14,1% YoY
- ▍Net margin 89.9%
Revenue AED 3.83B, +9,4% YoY; Net income +29,9% YoY.
- ▍Revenue AED 3.83B, +9,4% YoY
- ▍Net income +29,9% YoY
- ▍Free cash flow +34,3% YoY
- ▍Net margin 87.2%
Revenue AED 3.81B, +21,1% YoY; Net income +29,2% YoY.
- ▍Revenue AED 3.81B, +21,1% YoY
- ▍Net income +29,2% YoY
- ▍Free cash flow +33,7% YoY
- ▍Net margin 81.2%
Revenue AED 3.65B, +11,5% YoY; Net income +10,8% YoY.
- ▍Revenue AED 3.65B, +11,5% YoY
- ▍Net income +10,8% YoY
- ▍Free cash flow +8,4% YoY
- ▍Net margin 70.3%
Revenue AED 3.39B; Net margin 72.1%.
- ▍Revenue AED 3.39B
- ▍Net margin 72.1%
Revenue AED 3.50B; Net margin 73.4%.
- ▍Revenue AED 3.50B
- ▍Net margin 73.4%
Revenue AED 3.14B; Net margin 76.1%.
- ▍Revenue AED 3.14B
- ▍Net margin 76.1%
Revenue AED 3.28B; Net margin 70.7%.
- ▍Revenue AED 3.28B
- ▍Net margin 70.7%
Revenue AED 14.69B, +11,1% YoY; Net income +21,5% YoY.
- ▍Revenue AED 14.69B, +11,1% YoY
- ▍Net income +21,5% YoY
- ▍Free cash flow +41,2% YoY
- ▍Net margin 77.9%
Revenue AED 13.23B, +6,9% YoY; Net income +14,8% YoY.
- ▍Revenue AED 13.23B, +6,9% YoY
- ▍Net income +14,8% YoY
- ▍Free cash flow −24,6% YoY
- ▍Net margin 71.2%
Revenue AED 12.37B, +21,4% YoY; Net income +27,5% YoY.
- ▍Revenue AED 12.37B, +21,4% YoY
- ▍Net income +27,5% YoY
- ▍Free cash flow +70,5% YoY
- ▍Net margin 66.3%
Revenue AED 10.19B, +15,0% YoY; Net income +22,8% YoY.
- ▍Revenue AED 10.19B, +15,0% YoY
- ▍Net income +22,8% YoY
- ▍Free cash flow +13,8% YoY
- ▍Net margin 63.1%
Valuation TTM
Revenue by segment
Business relationships
Supply chain
Peer comparison
Market position
Stress test
Predictor forecast
| Metric | Our forecast | Guidance | Consensus |
|---|---|---|---|
| EPS | —no estimate | —no estimate | 1,45 |
| Revenue | —no estimate | —no estimate | 23,6B AED |
| Operating income | —no estimate | —no estimate | 16,1B AED |
Options
Short squeeze
Earnings-call key lines
Consensus distribution
sell-side coverageEstimate revisions
consensus EPS · 26-week trendSell-side observations
Themes
ESG
Risk factors
- Net cash is negative after subtracting total debt.
Benchmarks vs cohort
Corporate actions / M&A
FX exposure
Comparable transactions
Derivatives & instruments
Actions
Ask Handelsavisen
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- ESG data
- Reference data
- Debt To Equity(short_term_debt + long_term_debt) / total_equity
- Cash Conversion Ratiooperating_cash_flow / net_income
- Dilution Ratio(shares_outstanding_diluted - shares_outstanding_basic) / shares_outstanding_basic
- Net Cashcash_and_equivalents + short_term_investments - short_term_debt - long_term_debt
- Return On Assetsnet_income / total_assets
- Return On Equitynet_income / total_equity
- Abu Dhabi Commercial Bank PJSC Market data — financials · 2026-07-11
- Abu Dhabi Commercial Bank PJSC Market data — analyst estimates · 2026-07-11
- Abu Dhabi Commercial Bank PJSC Market data — ESG · 2026-07-11
- Abu Dhabi Commercial Bank PJSC — company reference export (2026-07-05) · 2026-07-11