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What is Commercial Bank of Dubai PSC Cash-to-Debt?
Commercial Bank of Dubai PSCDFM:CBD 72 Cash-to-Debt is 0.69 as of Jun. 2026, which is 86% below its 10-year median of 4.97. GuruFocus rates DFM:CBD with a GF Score™ of 72/100 and a GF Value™ of د.إ8.35 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,492 Banks companies, Commercial Bank of Dubai PSC ranks better than 72.39% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Commercial Bank of Dubai PSC's cash to debt ratio for the quarter that ended in Jun. 2026 was 0.69.
If Cash to Debt ratio is less than 1, the company cannot pay off its debt using the cash in hand. Here we can see, Commercial Bank of Dubai PSCcouldn't pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for Commercial Bank of Dubai PSC's Cash-to-Debt or its related term are showing as below:
DFM:CBD'
s Cash-to-Debt Range Over the Past 10 Years
Min: 1.41 Med: 4.97 Max: 20.3
Current: 3.72
During the past 13 years, Commercial Bank of Dubai PSC's highest Cash to Debt Ratio was 20.30. The lowest was 1.41. And the median was 4.97.
DFM:CBD's Cash-to-Debt is ranked better than 72.39% of 1492
companies
in the Banks industry
Industry Median: 1.37
vs DFM:CBD: 3.72
Commercial Bank of Dubai PSC (DFM:CBD) Cash-to-Debt Explanation
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
Commercial Bank of Dubai PSC Cash-to-Debt Related Terms
Commercial Bank of Dubai PSC Cash-to-Debt Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
Commercial Bank of Dubai PSC Cash-to-Debt Competitor Comparison
For the Banks - Regional subindustry, Commercial Bank of Dubai PSC's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Commercial Bank of Dubai PSC Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, Commercial Bank of Dubai PSC's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Commercial Bank of Dubai PSC's Cash-to-Debt falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Commercial Bank of Dubai PSC (DFM:CBD) has a Cash-to-Debt of 0.69 as of Jun. 2026. This is 86% below median its historical median of 4.97. Over the past decade, Commercial Bank of Dubai PSC's Cash-to-Debt has ranged from 1.41 to 20.30. According to the industry distribution chart, Commercial Bank of Dubai PSC ranks #412 out of 1492 companies in the Banks industry, placing it in the top 27.6%.
Is Commercial Bank of Dubai PSC's Cash-to-Debt too high?
Commercial Bank of Dubai PSC's current Cash-to-Debt of 0.69 is 86% below median its 10-year median of 4.97. Over the past 10 years, this metric has ranged from a low of 1.41 to a high of 20.30. The Banks industry median Cash-to-Debt is 1.37. Commercial Bank of Dubai PSC's value of 0.69 is 49.6% below this industry median. Based on the distribution chart, Commercial Bank of Dubai PSC ranks #412 out of 1492 companies in the Banks industry, which is above the industry midpoint. Overall, Commercial Bank of Dubai PSC has a GF Score™ of 72/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Commercial Bank of Dubai PSC's Cash-to-Debt compare to competitors?
According to the Banks industry distribution chart, Commercial Bank of Dubai PSC ranks #412 out of 1492 companies for Cash-to-Debt. This puts Commercial Bank of Dubai PSC in the upper half of its industry. The industry median Cash-to-Debt is 1.37. Commercial Bank of Dubai PSC's value of 0.69 is 49.6% below this benchmark. Historically, Commercial Bank of Dubai PSC's own Cash-to-Debt has ranged from 1.41 to 20.30 over the past decade. While the company's 10-year median is 4.97 vs. the industry median of 1.37, Commercial Bank of Dubai PSC has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash-to-Debt for a Banks company?
The median Cash-to-Debt among Banks companies is 1.37, based on 1,492 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Commercial Bank of Dubai PSC's current Cash-to-Debt of 0.69 is 49.6% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median Cash-to-Debt is 1.37 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Commercial Bank of Dubai PSC's current Cash-to-Debt is 0.69, which is 86% below median its own 10-year median of 4.97. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Commercial Bank of Dubai PSC stock overvalued right now?
Based on GuruFocus' analysis, Commercial Bank of Dubai PSC (DFM:CBD) is currently considered Modestly Overvalued. The stock's GF Value™ is د.إ8.35, compared to a current price of د.إ9.50 — trading 13.8% above its estimated fair value. The current Cash-to-Debt is 0.69, which is 86% below median its 10-year median of 4.97 and 49.6% below the Banks industry median of 1.37. Commercial Bank of Dubai PSC's overall GF Score™ is 72/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For Commercial Bank of Dubai PSC (DFM:CBD), the current Cash-to-Debt is 0.69 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Commercial Bank of Dubai PSC (DFM:CBD) Overvalued in 2026?
Based on GuruFocus' analysis, Commercial Bank of Dubai PSC stock appears to be overvalued.
The current stock price of د.إ9.50 is trading 13.8% above its estimated GF Value™ of د.إ8.35.
GuruFocus considers Commercial Bank of Dubai PSC to be Modestly Overvalued.
Key valuation signals for DFM:CBD:
Cash-to-Debt: 0.69 (86% below median its 10-year median of 4.97)
GF Value™: د.إ8.35 vs. price of د.إ9.50 (13.8% above fair value)
Industry Position: 49.6% below the Banks median (#412 of 1492)
No single metric tells the full story. See the DFM:CBD stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Commercial Bank of Dubai PSC is a banking firm operating in the United Arab Emirates with four segments: Institutional Banking, Corporate Banking, Personal Banking, and Trading and Other. Institutional Banking provides loans, deposits, trade finance, and e-commerce solutions to institutional clients, including government entities. Corporate Banking serves mid-sized and emerging corporates with loans, working capital, trade finance, and deposits. Personal Banking, which generates maximum revenue, offers accounts, loans, mortgages, and other credit facilities to small businesses and retail clients. Trading and Other manages the Group's balance sheet, investment portfolio, and derivatives for trading and risk management purposes. The Group operates exclusively in the United Arab Emirates.
72GF Score
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Cash-to-Debt is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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