Abu Dhabi Commercial Bank (ADX:ADCB) EV-to-OCF: 14.65 (As of Aug. 13, 2026) — 284% Above Median

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

ADX:ADCB Abu Dhabi Commercial Bank ADX:ADCB
61 GF Score
Price د.إ15.50
GF Value د.إ13.30
Valuation Modestly Overvalued
! 7 Warning Signs
View Full Analysis

What is Abu Dhabi Commercial Bank EV-to-OCF?

Abu Dhabi Commercial Bank ADX:ADCB -0.77% 61 EV-to-OCF is 14.65 as of Aug. 13, 2026, which is 284% above its 10-year median of 3.82. GuruFocus rates ADX:ADCB with a GF Score™ of 61/100 and a GF Value™ of د.إ13.30 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,497 Banks companies, Abu Dhabi Commercial Bank ranks worse than 82.43% on this metric.

EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, Abu Dhabi Commercial Bank's Enterprise Value is د.إ96,442 Mil. Abu Dhabi Commercial Bank's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 was د.إ6,585 Mil. Therefore, Abu Dhabi Commercial Bank's EV-to-OCF for today is 14.65.

The historical rank and industry rank for Abu Dhabi Commercial Bank's EV-to-OCF or its related term are showing as below:

ADX:ADCB' s EV-to-OCF Range Over the Past 10 Years
Min: -16.26   Med: 3.82   Max: 30.76
Current: 14.86

During the past 13 years, the highest EV-to-OCF of Abu Dhabi Commercial Bank was 30.76. The lowest was -16.26. And the median was 3.82.

ADX:ADCB's EV-to-OCF is ranked worse than
82.43% of 1497 companies
in the Banks industry
Industry Median: 3.98 vs ADX:ADCB: 14.86

EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.

As of today (2026-08-13), Abu Dhabi Commercial Bank's stock price is د.إ15.50. Abu Dhabi Commercial Bank's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 was د.إ1.624. Therefore, Abu Dhabi Commercial Bank's PE Ratio (TTM) for today is 9.54.


Abu Dhabi Commercial Bank  (ADX:ADCB) EV-to-OCF Explanation

EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.

Abu Dhabi Commercial Bank's PE Ratio (TTM) for today is calculated as:

PE Ratio (TTM)=Share Price (Today)/Earnings per Share (Diluted) (TTM)
=15.50/1.624
=9.54

Abu Dhabi Commercial Bank's share price for today is د.إ15.50.
Abu Dhabi Commercial Bank's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was د.إ1.624.

* 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.

Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.


Abu Dhabi Commercial Bank EV-to-OCF Related Terms


Abu Dhabi Commercial Bank EV-to-OCF Historical Data

* Premium members only.

The historical data trend for Abu Dhabi Commercial Bank's EV-to-OCF 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.

Abu Dhabi Commercial Bank EV-to-OCF Chart

Abu Dhabi Commercial Bank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EV-to-OCF
Get a 7-Day Free Trial Premium Member Only Premium Member Only 21.44 2.00 3.49 3.10 3.43

Abu Dhabi Commercial Bank Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
EV-to-OCF 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 3.45 4.40 3.43 1.93 13.40

Abu Dhabi Commercial Bank EV-to-OCF Competitor Comparison

For the Banks - Regional subindustry, Abu Dhabi Commercial Bank's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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.


Abu Dhabi Commercial Bank EV-to-OCF vs Banks Industry

For the Banks industry and Financial Services sector, Abu Dhabi Commercial Bank's EV-to-OCF distribution charts can be found below:

* The bar in red indicates where Abu Dhabi Commercial Bank's EV-to-OCF falls into.


ADX:ADCB
61GF Score
Abu Dhabi Commercial Bank ADX:ADCB
EV-to-OCF is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Abu Dhabi Commercial Bank EV-to-OCF Calculation

Abu Dhabi Commercial Bank's EV-to-OCF for today is calculated as:

EV-to-OCF=Enterprise Value (Today)/Cash Flow from Operations (TTM)
=96441.724/6585
=14.65

Abu Dhabi Commercial Bank's current Enterprise Value is د.إ96,442 Mil.
Abu Dhabi Commercial Bank's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was د.إ6,585 Mil.

* 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.

Frequently Asked Questions Learn more about EV-to-OCF →
What does a EV-to-OCF of 14.65 mean?
Abu Dhabi Commercial Bank (ADX:ADCB) has a EV-to-OCF of 14.65 as of Aug. 13, 2026. This is 284% above median its historical median of 3.82. According to the industry distribution chart, Abu Dhabi Commercial Bank ranks #1234 out of 1497 companies in the Banks industry, placing it in the top 82.4%.
Is Abu Dhabi Commercial Bank's EV-to-OCF too high?
Abu Dhabi Commercial Bank's current EV-to-OCF of 14.65 is 284% above median its 10-year median of 3.82. The Banks industry median EV-to-OCF is 3.98. Abu Dhabi Commercial Bank's value of 14.65 is 268.1% above this industry median. Based on the distribution chart, Abu Dhabi Commercial Bank ranks #1234 out of 1497 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Abu Dhabi Commercial Bank has a GF Score™ of 61/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Abu Dhabi Commercial Bank's EV-to-OCF compare to competitors?
According to the Banks industry distribution chart, Abu Dhabi Commercial Bank ranks #1234 out of 1497 companies for EV-to-OCF. This places Abu Dhabi Commercial Bank in the lower half of its industry. The industry median EV-to-OCF is 3.98. Abu Dhabi Commercial Bank's value of 14.65 is 268.1% above this benchmark. While the company's 10-year median is 3.82 vs. the industry median of 3.98, Abu Dhabi Commercial Bank has consistently been above 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 EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 3.98, based on 1,497 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Abu Dhabi Commercial Bank's current EV-to-OCF of 14.65 is 268.1% above 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 EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 3.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Abu Dhabi Commercial Bank's current EV-to-OCF is 14.65, which is 284% above median its own 10-year median of 3.82. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Abu Dhabi Commercial Bank stock overvalued right now?
Based on GuruFocus' analysis, Abu Dhabi Commercial Bank (ADX:ADCB) is currently considered Modestly Overvalued. The stock's GF Value™ is د.إ13.30, compared to a current price of د.إ15.50 — trading 16.5% above its estimated fair value. The current EV-to-OCF is 14.65, which is 284% above median its 10-year median of 3.82 and 268.1% above the Banks industry median of 3.98. Abu Dhabi Commercial Bank's overall GF Score™ is 61/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Abu Dhabi Commercial Bank (ADX:ADCB), the current EV-to-OCF is 14.65 as of Aug. 13, 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 Abu Dhabi Commercial Bank (ADX:ADCB) Overvalued in 2026?

Based on GuruFocus' analysis, Abu Dhabi Commercial Bank stock appears to be overvalued. The current stock price of د.إ15.50 is trading 16.5% above its estimated GF Value™ of د.إ13.30. GuruFocus considers Abu Dhabi Commercial Bank to be Modestly Overvalued.

Key valuation signals for ADX:ADCB:

  • EV-to-OCF: 14.65 (284% above median its 10-year median of 3.82)
  • GF Value™: د.إ13.30 vs. price of د.إ15.50 (16.5% above fair value)
  • GF Score™: 61/100 with 7 warning signs
  • Industry Position: 268.1% above the Banks median (#1234 of 1497)

No single metric tells the full story. See the ADX:ADCB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Abu Dhabi Commercial Bank Business Description

Address Sheikh Zayed Bin Sultan Street, Head Office Building, Plot C- 33, Sector E-11, P. O. Box 939, Abu Dhabi, ARE
Abu Dhabi Commercial Bank is principally engaged in the business of retail, commercial and Islamic banking, and provision of other financial services. Its segments include Retail banking, Private banking, Corporate and investment banking, Investments and treasury, and Others. The majority of the revenue is derived from Corporate and investment banking segment that comprises of business banking, cash management, trade finance, corporate finance, small and medium enterprise financing, investment banking, Islamic financing, infrastructure and asset finance, government and public enterprises. It includes loans, deposits and other transactions and balances with corporate customers.
61GF Score

Get the complete analysis for ADX:ADCB

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

د.إ15.50
Price
د.إ13.30
GF Value