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Commercial Bank of Dubai PSCDFM:CBD 77 Debt-to-Equity is 0.23 as of Jun. 2026, which is 5% above its 10-year median of 0.22. GuruFocus rates DFM:CBD with a GF Score™ of 77/100 and a GF Value™ of د.إ8.05 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 1,422 Banks companies, Commercial Bank of Dubai PSC ranks better than 74.68% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Commercial Bank of Dubai PSC's Debt-to-Equity or its related term are showing as below:
DFM:CBD'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.05 Med: 0.22 Max: 0.74
Current: 0.22
During the past 13 years, the highest Debt-to-Equity Ratio of Commercial Bank of Dubai PSC was 0.74. The lowest was 0.05. And the median was 0.22.
DFM:CBD's Debt-to-Equity is ranked better than 74.68% of 1422
companies
in the Banks industry
Industry Median: 0.57
vs DFM:CBD: 0.22
Commercial Bank of Dubai PSC (DFM:CBD) Debt-to-Equity Explanation
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Commercial Bank of Dubai PSC Debt-to-Equity Related Terms
Commercial Bank of Dubai PSC Debt-to-Equity 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.
Commercial Bank of Dubai PSC Debt-to-Equity Competitor Comparison
For the Banks - Regional subindustry, Commercial Bank of Dubai PSC's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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 Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Commercial Bank of Dubai PSC's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Commercial Bank of Dubai PSC's Debt-to-Equity 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 Debt-to-Equity of 0.23 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Commercial Bank of Dubai PSC and its competitors. This is near median its historical median of 0.22. Over the past decade, Commercial Bank of Dubai PSC's Debt-to-Equity has ranged from 0.05 to 0.74. According to the industry distribution chart, Commercial Bank of Dubai PSC ranks #360 out of 1422 companies in the Banks industry, placing it in the top 25.3%.
Is Commercial Bank of Dubai PSC's Debt-to-Equity too high?
Commercial Bank of Dubai PSC's current Debt-to-Equity of 0.23 is near median its 10-year median of 0.22. Over the past 10 years, this metric has ranged from a low of 0.05 to a high of 0.74. The Banks industry median Debt-to-Equity is 0.57. Commercial Bank of Dubai PSC's value of 0.23 is 59.6% below this industry median. Based on the distribution chart, Commercial Bank of Dubai PSC ranks #360 out of 1422 companies in the Banks industry, which is above the industry midpoint. 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 Debt-to-Equity compare to competitors?
According to the Banks industry distribution chart, Commercial Bank of Dubai PSC ranks #360 out of 1422 companies for Debt-to-Equity. This puts Commercial Bank of Dubai PSC in the upper half of its industry. The industry median Debt-to-Equity is 0.57. Commercial Bank of Dubai PSC's value of 0.23 is 59.6% below this benchmark. Historically, Commercial Bank of Dubai PSC's own Debt-to-Equity has ranged from 0.05 to 0.74 over the past decade. While the company's 10-year median is 0.22 vs. the industry median of 0.57, 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 Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.57, based on 1,422 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Commercial Bank of Dubai PSC's current Debt-to-Equity of 0.23 is 59.6% 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 Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Commercial Bank of Dubai PSC and its competitors. For the Banks industry, the median Debt-to-Equity is 0.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Commercial Bank of Dubai PSC's current Debt-to-Equity is 0.23, which is near median its own 10-year median of 0.22. 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.إ8.05, compared to a current price of د.إ9.50 — trading 18% above its estimated fair value. The current Debt-to-Equity is 0.23, which is near median its 10-year median of 0.22 and 59.6% below the Banks industry median of 0.57. Commercial Bank of Dubai PSC's overall GF Score™ is 77/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Commercial Bank of Dubai PSC (DFM:CBD), the current Debt-to-Equity is 0.23 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 18% above its estimated GF Value™ of د.إ8.05.
GuruFocus considers Commercial Bank of Dubai PSC to be Modestly Overvalued.
Key valuation signals for DFM:CBD:
Debt-to-Equity: 0.23 (near median its 10-year median of 0.22)
GF Value™: د.إ8.05 vs. price of د.إ9.50 (18% above fair value)
Industry Position: 59.6% below the Banks median (#360 of 1422)
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.
77GF Score
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