Commercial Bank of Dubai PSC (DFM:CBD) Scaled Net Operating Assets: 0.03 (As of Mar. 2026)


DFM:CBD Commercial Bank of Dubai PSC DFM:CBD
77 GF Score
Price د.إ9.05
GF Value د.إ8.07
Valuation Modestly Overvalued
! 2 Warning Signs
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What is Commercial Bank of Dubai PSC Scaled Net Operating Assets?

Commercial Bank of Dubai PSC DFM:CBD 77 Scaled Net Operating Assets is 0.03 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.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Commercial Bank of Dubai PSC's operating assets for the quarter that ended in Mar. 2026 was د.إ139,841 Mil. Commercial Bank of Dubai PSC's operating liabilities for the quarter that ended in Mar. 2026 was د.إ135,658 Mil. Commercial Bank of Dubai PSC's Total Assets for the quarter that ended in Dec. 2025 was د.إ160,308 Mil. Therefore, Commercial Bank of Dubai PSC's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.03.

DFM:CBD
77GF Score
Commercial Bank of Dubai PSC DFM:CBD
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Commercial Bank of Dubai PSC Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Commercial Bank of Dubai PSC's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(136297.468-131257.523)/140175.318
=0.04

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=160308.001 - 24010.533
=136297.468

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=140885.533 - 9628.01 - 0
=131257.523

Commercial Bank of Dubai PSC's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(139840.804-135658.044)/160308.001
=0.03

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=157921.992 - 18081.188
=139840.804

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=139606.519 - 3948.475 - 0
=135658.044

* 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.

What does a Scaled Net Operating Assets of 0.03 mean?
Commercial Bank of Dubai PSC (DFM:CBD) has a Scaled Net Operating Assets of 0.03 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Commercial Bank of Dubai PSC and its competitors.
Is Commercial Bank of Dubai PSC's Scaled Net Operating Assets too high?
Commercial Bank of Dubai PSC's current Scaled Net Operating Assets is 0.03. 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 Scaled Net Operating Assets compare to competitors?
Commercial Bank of Dubai PSC's Scaled Net Operating Assets of 0.03 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 Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Commercial Bank of Dubai PSC and its competitors. Commercial Bank of Dubai PSC's current Scaled Net Operating Assets is 0.03. 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.إ9.05 — trading 12.1% above its estimated fair value. The current Scaled Net Operating Assets is 0.03. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Commercial Bank of Dubai PSC (DFM:CBD), the current Scaled Net Operating Assets is 0.03 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.إ9.05 is trading 12.1% 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:

  • Scaled Net Operating Assets: 0.03
  • GF Value™: د.إ8.07 vs. price of د.إ9.05 (12.1% 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

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

د.إ9.05
Price
د.إ8.07
GF Value