Cbd.Du
CBD.DU is a bank operating in the Financials sector, generating revenue primarily through interest income and financial services.
Business. CBD.DU is a bank operating in the Financials sector, generating revenue primarily through interest income and financial services.
Analyst recommendations
2 analysts · consensus BuyAt a glance
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The watch-list the newsroom runs for this company — derived from its sector path, sharpened layer by layer. Not investment advice.
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Upcoming catalysts
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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
CBD.DU is a bank operating in the Financials sector, generating revenue primarily through interest income and financial services.
CBD.DU maintains a debt-to-equity ratio of 0.9, indicating a balanced capital structure with moderate leverage. The company's liquidity is assessed as medium, with free cash flow of 1.7 billion AED and operating cash flow of 9.7 billion AED, but net cash is negative after subtracting total debt. This suggests that while the company generates substantial cash from operations, it is not sufficient to cover its long-term debt obligations.
In terms of profitability, CBD.DU reports a return on equity (ROE) of 18.02% and a return on assets (ROA) of 2.18%. These figures are strong for the banking industry, where ROE typically ranges between 10% and 15%, and ROA is generally below 1%. The high ROE indicates efficient use of equity capital to generate profits, while the ROA suggests that the company is effectively utilizing its assets to generate earnings.
CBD.DU's revenue is concentrated in the banking and investment services segment, with no disclosed geographic breakdown. The company's primary business is centered around its core banking operations, and there is no indication of significant diversification into other financial services or international markets.
The company's growth trajectory is positive, with a net income of 3.5 billion AED and revenue of 4.15 billion AED. While specific growth rates are not provided, the company's strong profitability and liquidity position suggest a stable and potentially growing business. Analysts have set a mean price target of 10.15 AED, with a median of 10.15 AED, indicating a generally positive outlook.
CBD.DU faces moderate liquidity risk, as noted in the risk assessment, and the company has a low dilution potential. The risk assessment highlights that net cash is negative after subtracting total debt, which could affect the company's ability to meet short-term obligations without additional financing. However, the company's strong operating cash flow provides a buffer against liquidity constraints.
Recent events and filings do not indicate any significant changes in the company's operations or financial strategy. The company's capital expenditure is negative, suggesting that it is generating more cash than it is investing in new assets, which could be a sign of a mature business with limited growth opportunities.
- CBD.DU has a strong return on equity (18.02%) and a moderate return on assets (2.18%), indicating efficient use of equity and assets.
- The company's liquidity is assessed as medium, with a negative net cash position after subtracting total debt.
- CBD.DU's capital structure is balanced, with a debt-to-equity ratio of 0.9.
- Analysts have a generally positive outlook, with a mean price target of 10.15 AED.
- The company's growth is supported by strong profitability and liquidity, but its capital expenditure is negative, suggesting limited investment in new assets.
- **margin_outlook_rationale**: The company's strong return on equity suggests that it is maintaining healthy profit margins, driven by efficient use of equity capital.
- **rd_outlook_rationale**: There is no specific information provided about research and development activities for CBD.DU.
Bull / Bear case
analysis pipelineIn focus — financials by report
Valuation
Revenue by segment
Business relationships
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Peer comparison
Market position
Stress test
Predictor forecast
| Metric | Our forecast | Guidance | Consensus |
|---|---|---|---|
| EPS | —no estimate | —no estimate | 1,12 |
| Revenue | —no estimate | —no estimate | 5,8B AED |
| Operating income | —no estimate | —no estimate | 4,2B 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
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- ESG data
- Dilution Ratio(shares_outstanding_diluted - shares_outstanding_basic) / shares_outstanding_basic
- Net Cashcash_and_equivalents + short_term_investments - short_term_debt - long_term_debt
- Capex To Revenuecapital_expenditure / revenue
- Return On Equitynet_income / total_equity
- Debt To Equity(short_term_debt + long_term_debt) / total_equity
- Cash Conversion Ratiooperating_cash_flow / net_income
- CBD.DU Market data — financials · 2026-05-27
- Commercial Bank of Dubai PSC Market data — analyst estimates · 2026-05-27