The historical rank and industry rank for Commercial Bank of Dubai PSC's ROE % or its related term are showing as below:
DFM:CBD'
s ROE % Range Over the Past 10 Years
Min: 9.67 Med: 13 Max: 19.29
Current: 19.29
During the past 13 years, Commercial Bank of Dubai PSC's highest ROE % was 19.29%. The lowest was 9.67%. And the median was 13.00%.
DFM:CBD's ROE % is ranked better than 90.74% of 1523
companies
in the Banks industry
Industry Median: 10.22
vs DFM:CBD: 19.29
Commercial Bank of Dubai PSC (DFM:CBD) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
Commercial Bank of Dubai PSC ROE % Related Terms
Commercial Bank of Dubai PSC ROE % 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 ROE % Competitor Comparison
For the Banks - Regional subindustry, Commercial Bank of Dubai PSC's ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Commercial Bank of Dubai PSC's ROE % distribution charts can be found below:
* The bar in red indicates where Commercial Bank of Dubai PSC's ROE % 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.
In the calculation of annual ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
ROE % is displayed in the 30-year financial page.
Commercial Bank of Dubai PSC (DFM:CBD) has a ROE % of 17.60% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Commercial Bank of Dubai PSC and its competitors. This is 35% above median its historical median of 13.00. Over the past decade, Commercial Bank of Dubai PSC's ROE % has ranged from 9.67 to 19.29. According to the industry distribution chart, Commercial Bank of Dubai PSC ranks #141 out of 1523 companies in the Banks industry, placing it in the top 9.3%.
Is Commercial Bank of Dubai PSC's ROE % too high?
Commercial Bank of Dubai PSC's current ROE % of 17.60% is 35% above median its 10-year median of 13.00. Over the past 10 years, this metric has ranged from a low of 9.67 to a high of 19.29. The Banks industry median ROE % is 10.22. Commercial Bank of Dubai PSC's value of 17.60% is 72.2% above this industry median. Based on the distribution chart, Commercial Bank of Dubai PSC ranks #141 out of 1523 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 ROE % compare to competitors?
According to the Banks industry distribution chart, Commercial Bank of Dubai PSC ranks #141 out of 1523 companies for ROE %. This places Commercial Bank of Dubai PSC in the top 9% of its industry — outperforming the majority of peers. The industry median ROE % is 10.22. Commercial Bank of Dubai PSC's value of 17.60% is 72.2% above this benchmark. Historically, Commercial Bank of Dubai PSC's own ROE % has ranged from 9.67 to 19.29 over the past decade. While the company's 10-year median is 13.00 vs. the industry median of 10.22, Commercial Bank of Dubai PSC 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.22, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Commercial Bank of Dubai PSC's current ROE % of 17.60% is 72.2% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Commercial Bank of Dubai PSC and its competitors. For the Banks industry, the median ROE % is 10.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Commercial Bank of Dubai PSC's current ROE % is 17.60%, which is 35% above median its own 10-year median of 13.00. 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 ROE % is 17.60%, which is 35% above median its 10-year median of 13.00 and 72.2% above the Banks industry median of 10.22. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For Commercial Bank of Dubai PSC (DFM:CBD), the current ROE % is 17.60% 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:
ROE %: 17.60% (35% above median its 10-year median of 13.00)
GF Value™: د.إ8.07 vs. price of د.إ9.24 (14.5% above fair value)
Industry Position: 72.2% above the Banks median (#141 of 1523)
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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