Commercial Bank of Dubai PSC (DFM:CBD) E10: د.إ0.69 (As of Mar. 2026)


DFM:CBD Commercial Bank of Dubai PSC DFM:CBD
77 GF Score
Price د.إ9.24
GF Value د.إ8.07
Valuation Modestly Overvalued
! 2 Warning Signs
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What is Commercial Bank of Dubai PSC E10?

Commercial Bank of Dubai PSC DFM:CBD -0.32% 77 E10 is د.إ0.69 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 P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Commercial Bank of Dubai PSC's adjusted earnings per share data for the three months ended in Mar. 2026 was د.إ0.280. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is د.إ0.69 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Commercial Bank of Dubai PSC's average E10 Growth Rate was 15.00% per year. During the past 3 years, the average E10 Growth Rate was 12.00% per year. During the past 5 years, the average E10 Growth Rate was 11.20% 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 E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of Commercial Bank of Dubai PSC was 12.00% per year. The lowest was 10.10% per year. And the median was 11.40% per year.

As of today (2026-06-25), Commercial Bank of Dubai PSC's current stock price is د.إ9.24. Commercial Bank of Dubai PSC's E10 for the quarter that ended in Mar. 2026 was د.إ0.69. Commercial Bank of Dubai PSC's Shiller PE Ratio of today is 13.39.

During the past 13 years, the highest Shiller PE Ratio of Commercial Bank of Dubai PSC was 16.21. The lowest was 8.38. And the median was 10.00.


Commercial Bank of Dubai PSC  (DFM:CBD) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Commercial Bank of Dubai PSC's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=9.24/0.69
=13.39

* 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 Shiller P/E Ratio of Commercial Bank of Dubai PSC was 16.21. The lowest was 8.38. And the median was 10.00.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Commercial Bank of Dubai PSC E10 Related Terms


Commercial Bank of Dubai PSC E10 Historical Data

* Premium members only.

The historical data trend for Commercial Bank of Dubai PSC's E10 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 E10 Chart

Commercial Bank of Dubai PSC Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.42 0.47 0.52 0.58 0.66

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
E10 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 0.60 0.62 0.64 0.66 0.69

Commercial Bank of Dubai PSC E10 Competitor Comparison

For the Banks - Regional subindustry, Commercial Bank of Dubai PSC's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio 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 Shiller PE Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Commercial Bank of Dubai PSC's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where Commercial Bank of Dubai PSC's Shiller PE Ratio falls into.


DFM:CBD
77GF Score
Commercial Bank of Dubai PSC DFM:CBD
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Commercial Bank of Dubai PSC E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

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 earnings per share data for the three months ended in Mar. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=0.28/330.2130*330.2130
=0.280

Current CPI (Mar. 2026) = 330.2130.

Commercial Bank of Dubai PSC Quarterly Data

per share eps CPI Adj_EPS
201606 0.084 241.018 0.115
201609 0.075 241.428 0.103
201612 0.103 241.432 0.141
201703 0.056 243.801 0.076
201706 0.056 244.955 0.075
201709 0.113 246.819 0.151
201712 0.113 246.524 0.151
201803 0.094 249.554 0.124
201806 0.094 251.989 0.123
201809 0.094 252.439 0.123
201812 0.103 251.233 0.135
201903 0.113 254.202 0.147
201906 0.122 256.143 0.157
201909 0.122 256.759 0.157
201912 0.113 256.974 0.145
202003 0.103 258.115 0.132
202006 0.075 257.797 0.096
202009 0.094 260.280 0.119
202012 0.103 260.474 0.131
202103 0.113 264.877 0.141
202106 0.094 271.696 0.114
202109 0.122 274.310 0.147
202112 0.113 278.802 0.134
202203 0.140 287.504 0.161
202206 0.120 296.311 0.134
202209 0.150 296.808 0.167
202212 0.150 296.797 0.167
202303 0.190 301.836 0.208
202306 0.200 305.109 0.216
202309 0.240 307.789 0.257
202312 0.210 306.746 0.226
202403 0.230 312.332 0.243
202406 0.230 314.175 0.242
202409 0.260 315.301 0.272
202412 0.240 315.605 0.251
202503 0.280 319.799 0.289
202506 0.270 322.561 0.276
202509 0.300 324.800 0.305
202512 0.290 324.054 0.296
202603 0.280 330.213 0.280

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of د.إ0.69 mean?
Commercial Bank of Dubai PSC (DFM:CBD) has a E10 of د.إ0.69 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings 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 E10 too high?
Commercial Bank of Dubai PSC's current E10 is د.إ0.69. 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 E10 compare to competitors?
Commercial Bank of Dubai PSC's E10 of د.إ0.69 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 E10 for a Banks company?
A good E10 depends on the Banks industry context. However, E10 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 E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings 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 E10 is د.إ0.69. 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.إ9.24 — trading 14.5% above its estimated fair value. The current E10 is د.إ0.69. 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 E10 calculated?
E10 is calculated from a company's financial statements. For Commercial Bank of Dubai PSC (DFM:CBD), the current E10 is د.إ0.69 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.إ9.24 is trading 14.5% 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:

  • E10: د.إ0.69
  • GF Value™: د.إ8.07 vs. price of د.إ9.24 (14.5% 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

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

د.إ9.24
Price
د.إ8.07
GF Value