Commercial Bank of Dubai PSC (DFM:CBD) Cyclically Adjusted FCF per Share: د.إ0.97 (As of Mar. 2026)


DFM:CBD Commercial Bank of Dubai PSC DFM:CBD
77 GF Score
Price د.إ9.30
GF Value د.إ8.07
Valuation Modestly Overvalued
! 2 Warning Signs
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What is Commercial Bank of Dubai PSC Cyclically Adjusted FCF per Share?

Commercial Bank of Dubai PSC DFM:CBD 77 Cyclically Adjusted FCF per Share is د.إ0.97 as of Mar. 2026. GuruFocus rates DFM:CBD with a GF Score™ of 77/100 and a GF Value™ of د.إ8.07 (Modestly Overvalued). The stock has 2 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

Commercial Bank of Dubai PSC's adjusted free cash flow per share for the three months ended in Mar. 2026 was د.إ-1.010. Add all the adjusted free cash flow per share for the past 10 years together and divide the count will get our Cyclically Adjusted FCF per Share, which is د.إ0.97 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Commercial Bank of Dubai PSC's average Cyclically Adjusted FCF Growth Rate was 27.60% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was 12.90% per year. During the past 5 years, the average Cyclically Adjusted FCF Growth Rate was 13.10% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted FCF Growth Rate using Cyclically Adjusted FCF per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted FCF Growth Rate of Commercial Bank of Dubai PSC was 12.90% per year. The lowest was 9.60% per year. And the median was 12.10% per year.

As of today (2026-07-05), Commercial Bank of Dubai PSC's current stock price is د.إ9.30. Commercial Bank of Dubai PSC's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2026 was د.إ0.97. Commercial Bank of Dubai PSC's Cyclically Adjusted Price-to-FCF of today is 9.59.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Commercial Bank of Dubai PSC was 11.58. The lowest was 4.94. And the median was 8.09.


Commercial Bank of Dubai PSC  (DFM:CBD) Cyclically Adjusted FCF per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted FCF per Share may underestimate the company's free cash flow. Cyclically Adjusted Price-to-FCF can seem to be too high even the actual Price-to-Free-Cash-Flow is low.

For the Cyclically Adjusted Price-to-FCF, the free cash flow per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/FCF calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted Price-to-FCF is also called CAPFCF Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

Commercial Bank of Dubai PSC's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=9.30/0.97
=9.59

* 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.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Commercial Bank of Dubai PSC was 11.58. The lowest was 4.94. And the median was 8.09.


Be Aware

Cyclically Adjusted Price-to-FCF works better for cyclical companies. It gives you a better idea on the company's real free cash flow value.


Commercial Bank of Dubai PSC Cyclically Adjusted FCF per Share Related Terms


Commercial Bank of Dubai PSC Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for Commercial Bank of Dubai PSC's Cyclically Adjusted FCF per Share can be seen below:

* 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 Cyclically Adjusted FCF per Share Chart

Commercial Bank of Dubai PSC Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.63 0.75 0.76 0.83 1.08

Commercial Bank of Dubai PSC Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted FCF per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.76 1.02 1.12 1.08 0.97

Commercial Bank of Dubai PSC Cyclically Adjusted FCF per Share Competitor Comparison

For the Banks - Regional subindustry, Commercial Bank of Dubai PSC's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF 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 Cyclically Adjusted Price-to-FCF vs Banks Industry

For the Banks industry and Financial Services sector, Commercial Bank of Dubai PSC's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where Commercial Bank of Dubai PSC's Cyclically Adjusted Price-to-FCF falls into.


DFM:CBD
77GF Score
Commercial Bank of Dubai PSC DFM:CBD
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Commercial Bank of Dubai PSC Cyclically Adjusted FCF per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

What is Cyclically Adjusted FCF per Share? How do we calculate Cyclically Adjusted FCF per Share?

Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted FCF per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the free cash flow per share from 2001 through 2010.

We adjusted the 2001 free cash flow per share data with the total inflation from 2001 through 2010 to the equivalent free cash flow in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's free cash flow is $1 a share in 2001, then the 2001's equivalent free cash flow in 2010 is $1.4 a share. If Wal-Mart's free cash flow is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 free cash flow in 2010 is $1.35. So on and so forth, you get the equivalent free cash flow per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted FCF per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Commercial Bank of Dubai PSC's adjusted Free Cash Flow per Share data for the three months ended in Mar. 2026 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=-1.01/330.2130*330.2130
=-1.010

Current CPI (Mar. 2026) = 330.2130.

Commercial Bank of Dubai PSC Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201606 -0.369 241.018 -0.506
201609 0.208 241.428 0.284
201612 0.434 241.432 0.594
201703 0.182 243.801 0.247
201706 -0.673 244.955 -0.907
201709 -0.210 246.819 -0.281
201712 0.063 246.524 0.084
201803 0.132 249.554 0.175
201806 -0.186 251.989 -0.244
201809 0.370 252.439 0.484
201812 0.911 251.233 1.197
201903 -0.096 254.202 -0.125
201906 -0.636 256.143 -0.820
201909 1.052 256.759 1.353
201912 0.529 256.974 0.680
202003 -0.362 258.115 -0.463
202006 1.641 257.797 2.102
202009 -0.500 260.280 -0.634
202012 0.984 260.474 1.247
202103 -0.618 264.877 -0.770
202106 1.539 271.696 1.870
202109 -1.775 274.310 -2.137
202112 1.975 278.802 2.339
202203 -0.380 287.504 -0.436
202206 0.220 296.311 0.245
202209 -1.122 296.808 -1.248
202212 2.198 296.797 2.445
202303 0.687 301.836 0.752
202306 -1.324 305.109 -1.433
202309 0.182 307.789 0.195
202312 0.626 306.746 0.674
202403 -0.003 312.332 -0.003
202406 2.112 314.175 2.220
202409 -1.311 315.301 -1.373
202412 -0.250 315.605 -0.262
202503 -0.362 319.799 -0.374
202506 1.425 322.561 1.459
202509 1.061 324.800 1.079
202512 1.000 324.054 1.019
202603 -1.010 330.213 -1.010

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

What does a Cyclically Adjusted FCF per Share of د.إ0.97 mean?
Commercial Bank of Dubai PSC (DFM:CBD) has a Cyclically Adjusted FCF per Share of د.إ0.97 as of Mar. 2026. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Commercial Bank of Dubai PSC and its competitors.
Is Commercial Bank of Dubai PSC's Cyclically Adjusted FCF per Share too high?
Commercial Bank of Dubai PSC's current Cyclically Adjusted FCF per Share is د.إ0.97. Overall, Commercial Bank of Dubai PSC has a GF Score™ of 77/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Commercial Bank of Dubai PSC's Cyclically Adjusted FCF per Share compare to competitors?
Commercial Bank of Dubai PSC's Cyclically Adjusted FCF per Share of د.إ0.97 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted FCF per Share for a Banks company?
A good Cyclically Adjusted FCF per Share depends on the Banks industry context. However, Cyclically Adjusted FCF per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted FCF per Share mean?
A high Cyclically Adjusted FCF per Share can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Commercial Bank of Dubai PSC and its competitors. Commercial Bank of Dubai PSC's current Cyclically Adjusted FCF per Share is د.إ0.97. 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.إ8.07, compared to a current price of د.إ9.30 — trading 15.2% above its estimated fair value. The current Cyclically Adjusted FCF per Share is د.إ0.97. Commercial Bank of Dubai PSC's overall GF Score™ is 77/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted FCF per Share calculated?
Cyclically Adjusted FCF per Share is calculated from a company's financial statements. For Commercial Bank of Dubai PSC (DFM:CBD), the current Cyclically Adjusted FCF per Share is د.إ0.97 as of Mar. 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.إ9.30 is trading 15.2% above its estimated GF Value™ of د.إ8.07. GuruFocus considers Commercial Bank of Dubai PSC to be Modestly Overvalued.

Key valuation signals for DFM:CBD:

  • Cyclically Adjusted FCF per Share: د.إ0.97
  • GF Value™: د.إ8.07 vs. price of د.إ9.30 (15.2% above fair value)
  • GF Score™: 77/100 with 2 warning signs

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 Business Description

Address Al Ittihad Street, P.O. Box 2668, Dubai, ARE
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.
77GF Score

Get the complete analysis for DFM:CBD

Cyclically Adjusted FCF per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

د.إ9.30
Price
د.إ8.07
GF Value