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United Arab Bank PJSCADX:UAB 65 EV-to-OCF is 4.37 as of Aug. 31, 2026, which is 3873% above its 10-year median of 0.11. GuruFocus rates ADX:UAB with a GF Score™ of 65/100 and a GF Value™ of د.إ1.22 (Fairly Valued). The stock has 5 warning signs investors should review. Among 1,492 Banks companies, United Arab Bank PJSC ranks worse than 51.61% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, United Arab Bank PJSC's Enterprise Value is د.إ1,853.4 Mil.
United Arab Bank PJSC's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 was د.إ423.7 Mil. Therefore, United Arab Bank PJSC's EV-to-OCF for today is 4.37.
The historical rank and industry rank for United Arab Bank PJSC's EV-to-OCF or its related term are showing as below:
ADX:UAB'
s EV-to-OCF Range Over the Past 10 Years
Min: -32.88 Med: 0.11 Max: 29.39
Current: 4.37
During the past 13 years, the highest EV-to-OCF of United Arab Bank PJSC was 29.39. The lowest was -32.88. And the median was 0.11.
ADX:UAB's EV-to-OCF is ranked worse than 51.61% of 1492
companies
in the Banks industry
Industry Median: 3.895
vs ADX:UAB: 4.37
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.
United Arab Bank PJSC (ADX:UAB) 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.
United Arab Bank PJSC's PE Ratio (TTM) for today is calculated as:
United Arab Bank PJSC's share price for today is د.إ1.29.
United Arab Bank PJSC'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.إ0.124.
* 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.
* 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.
United Arab Bank PJSC EV-to-OCF Competitor Comparison
For the Banks - Regional subindustry, United Arab Bank PJSC'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.
United Arab Bank PJSC EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, United Arab Bank PJSC's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where United Arab Bank PJSC's EV-to-OCF falls into.
United Arab Bank PJSC's current Enterprise Value is د.إ1,853.4 Mil.
United Arab Bank PJSC'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.إ423.7 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.
United Arab Bank PJSC (ADX:UAB) has a EV-to-OCF of 4.37 as of Aug. 31, 2026. This is 3873% above median its historical median of 0.11. According to the industry distribution chart, United Arab Bank PJSC ranks #770 out of 1492 companies in the Banks industry, placing it in the top 51.6%.
Is United Arab Bank PJSC's EV-to-OCF too high?
United Arab Bank PJSC's current EV-to-OCF of 4.37 is 3873% above median its 10-year median of 0.11. The Banks industry median EV-to-OCF is 3.90. United Arab Bank PJSC's value of 4.37 is 12.2% above this industry median. Based on the distribution chart, United Arab Bank PJSC ranks #770 out of 1492 companies in the Banks industry, which is below the industry midpoint. Overall, United Arab Bank PJSC has a GF Score™ of 65/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does United Arab Bank PJSC's EV-to-OCF compare to competitors?
According to the Banks industry distribution chart, United Arab Bank PJSC ranks #770 out of 1492 companies for EV-to-OCF. This places United Arab Bank PJSC in the lower half of its industry. The industry median EV-to-OCF is 3.90. United Arab Bank PJSC's value of 4.37 is 12.2% above this benchmark. While the company's 10-year median is 0.11 vs. the industry median of 3.90, United Arab Bank PJSC 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 3.90, based on 1,492 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. United Arab Bank PJSC's current EV-to-OCF of 4.37 is 12.2% 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 3.90 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Arab Bank PJSC's current EV-to-OCF is 4.37, which is 3873% above median its own 10-year median of 0.11. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is United Arab Bank PJSC stock overvalued right now?
Based on GuruFocus' analysis, United Arab Bank PJSC (ADX:UAB) is currently considered Fairly Valued. The stock's GF Value™ is د.إ1.22, compared to a current price of د.إ1.29 — trading 5.7% above its estimated fair value. The current EV-to-OCF is 4.37, which is 3873% above median its 10-year median of 0.11 and 12.2% above the Banks industry median of 3.90. United Arab Bank PJSC's overall GF Score™ is 65/100 with 5 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 United Arab Bank PJSC (ADX:UAB), the current EV-to-OCF is 4.37 as of Aug. 31, 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 United Arab Bank PJSC (ADX:UAB) Overvalued in 2026?
Based on GuruFocus' analysis, United Arab Bank PJSC stock appears to be overvalued.
The current stock price of د.إ1.29 is trading 5.7% above its estimated GF Value™ of د.إ1.22.
GuruFocus considers United Arab Bank PJSC to be Fairly Valued.
Key valuation signals for ADX:UAB:
EV-to-OCF: 4.37 (3873% above median its 10-year median of 0.11)
GF Value™: د.إ1.22 vs. price of د.إ1.29 (5.7% above fair value)
Industry Position: 12.2% above the Banks median (#770 of 1492)
No single metric tells the full story. See the ADX:UAB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
United Arab Bank PJSC provides financial services. The company is organized into three segments: Wholesale Banking, Retail Banking, and Treasury and capital markets. Wholesale banking handles loans and other credit facilities and deposits and current accounts for corporate and institutional customers. Retail banking handles individual customers' deposits and provides consumer-type loans, overdrafts, credit card facilities, and funds transfer facilities and Treasury and capital markets engaged in investments and interbank treasury operations including transactions for foreign exchange, derivatives, margin FX and hedging strategies Islamic banking services, and others.
65GF Score
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