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Abu Dhabi Commercial Bank (ADX:ADCB) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Abu Dhabi Commercial Bank Equity-to-Asset Related Terms
Abu Dhabi Commercial Bank Equity-to-Asset 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.
Abu Dhabi Commercial Bank Equity-to-Asset Competitor Comparison
For the Banks - Regional subindustry, Abu Dhabi Commercial Bank's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Abu Dhabi Commercial Bank's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Abu Dhabi Commercial Bank's Equity-to-Asset falls into.
Abu Dhabi Commercial Bank Equity-to-Asset Calculation
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Abu Dhabi Commercial Bank's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 (ADX:ADCB) has a Equity-to-Asset of 0.11 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Abu Dhabi Commercial Bank and its competitors. This is near median its historical median of 0.12. Over the past decade, Abu Dhabi Commercial Bank's Equity-to-Asset has ranged from 0.11 to 0.14. According to the industry distribution chart, Abu Dhabi Commercial Bank ranks #549 out of 1524 companies in the Banks industry, placing it in the top 36%.
Is Abu Dhabi Commercial Bank's Equity-to-Asset too high?
Abu Dhabi Commercial Bank's current Equity-to-Asset of 0.11 is near median its 10-year median of 0.12. Over the past 10 years, this metric has ranged from a low of 0.11 to a high of 0.14. The Banks industry median Equity-to-Asset is 0.10. Abu Dhabi Commercial Bank's value of 0.11 is 10% above this industry median. Based on the distribution chart, Abu Dhabi Commercial Bank ranks #549 out of 1524 companies in the Banks industry, which is above the industry midpoint. 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 Equity-to-Asset compare to competitors?
According to the Banks industry distribution chart, Abu Dhabi Commercial Bank ranks #549 out of 1524 companies for Equity-to-Asset. This puts Abu Dhabi Commercial Bank in the upper half of its industry. The industry median Equity-to-Asset is 0.10. Abu Dhabi Commercial Bank's value of 0.11 is 10% above this benchmark. Historically, Abu Dhabi Commercial Bank's own Equity-to-Asset has ranged from 0.11 to 0.14 over the past decade. While the company's 10-year median is 0.12 vs. the industry median of 0.10, 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 Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,524 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Abu Dhabi Commercial Bank's current Equity-to-Asset of 0.11 is 10% 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Abu Dhabi Commercial Bank and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Abu Dhabi Commercial Bank's current Equity-to-Asset is 0.11, which is near median its own 10-year median of 0.12. 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.إ13.47, compared to a current price of د.إ15.32 — trading 13.7% above its estimated fair value. The current Equity-to-Asset is 0.11, which is near median its 10-year median of 0.12 and 10% above the Banks industry median of 0.10. 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 Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Abu Dhabi Commercial Bank (ADX:ADCB), the current Equity-to-Asset is 0.11 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 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.إ15.32 is trading 13.7% above its estimated GF Value™ of د.إ13.47.
GuruFocus considers Abu Dhabi Commercial Bank to be Modestly Overvalued.
Key valuation signals for ADX:ADCB:
Equity-to-Asset: 0.11 (near median its 10-year median of 0.12)
GF Value™: د.إ13.47 vs. price of د.إ15.32 (13.7% above fair value)
Industry Position: 10% above the Banks median (#549 of 1524)
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 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
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