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Abu Dhabi Commercial Bank PJSC (ADCB) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

Abu Dhabi Commercial Bank PJSC

ADCBMarket cap $35BPrice $4.4

Country🇦🇪United Arab Emirates

SectorFinancials

IndustryBanks

Runs one of the UAE's largest banks, serving individuals, businesses, and governments with loans, deposits, and wealth management. Backed by Abu Dhabi's government, it's a systemic pillar of the Gulf's banking system and a magnet for oil-wealth capital flows.

In Bastion Portfolios?

52W Return+19%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+18%–

Revenue Forecast

Rev CAGR (1y)na–

Rev CAGR (3y)+15%–

Rev CAGR (5y)+11%8

Earnings Forecast

EPS Growth Y+1+9%6

EPS Growth Y+2+9%6

EPS Growth Y+3+6%5

Quality

Margins

EBIT Margin0%7

Net Income Margin63%10

Free Cash Flow Margin-269%1

Debt

Net Debt/EBITDAna–

Efficiency

ROE15%7

ROA2%4

Earnings Stability1010

GEAR+

Not enough data to calculate the GEAR+ rating.

Value

Price Multiples

P/E Ratio (Forward)109

P/E Ratio (Forward 3y)98

P/BV1.48

EV Multiples

EV/EBITDA Fwd09

EV/EBIT Fwd09

Yield

Free Cash Flow Yield0.0%9

Dividend Yield3.9%8

Momentum

Short term

1 month return+7%10

3 month return+8%8

YTD return+20%7

Mid term

Price vs 52wHigh96%10

1 year return+20%7

Long term

3 year return+125%8

5 year return+189%9

Risk Shield

Price Risk

Beta0.57

Volatility31%6

Free Cash Flow

Free Cash Flow Margin-269%1

Free Cash Flow Yield0.0%9

Quality

ROCE11%4

Earnings Stability1010

Net Debt/EBITDAna–

02Growth

Is it actually growing, and how fast?

ADCBAbu Dhabi Commercial Bank PJSC

Revenue FY25$5.2B

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+18%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+15%–

Revenue, next 5Y, CAGR+11%8

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+9%6

EPS growth, FY27E+9%6

EPS growth, FY28E+6%5

GROWTH ASSESSMENT

STRENGTHS

Revenue is set to grow 15%/yr over the next 3 years, ahead of most of the market.8/10

The runway holds up: revenue is set to grow 11%/yr over five years.8/10

WATCH

Revenue grew 18%/yr over the last 3 years; forecasts see it cooling to 15%/yr.

Earnings are set to grow slower than sales (EPS about 9%/yr vs revenue 15%/yr), so margins are under pressure.

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

BOTTOM LINE

Stalled Business

Growth is a weak point here: a business that is slowing. The one thing to watch: the pace is cooling.

03Price Momentum

Is the market behind it right now?

ADCBAbu Dhabi Commercial Bank PJSC

Total return Current274%

Price return Current149%

MOMENTUM RATING↗

VERY STRONG94 / 100

SHORT-TERM RETURNS▾SCORE

1-month return+7%10

3-month return+8%8

YTD return+20%7

MID & LONG-TERM▾SCORE

% of 52-week high96%10

1-year return+20%7

3-year return+125%8

5-year return+189%9

MOMENTUM ASSESSMENT

STRENGTHS

Magnificent long-term results. Long-term holders have seen +125% over three years and +189% over five, ahead of 80% of the market.

It's up 20% over the past year, now sitting right at its 52-week high. That is clearly ahead of the market.

Strong recent results. The stock is outperforming over the past month (+7%), over three months (+8%) and so far this year (+20%).

WATCH

None flagged.

WEAKNESSES

None flagged.

BOTTOM LINE

Momentum Leader

Short- and long-term returns both rank among the best globally, and the stock trades near its highs. The market is fully behind it — a core fit for momentum strategies.

04Value

Are you paying a fair price for it?

Stop guessing on Abu Dhabi Commercial Bank PJSC. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

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Loading charts…

02Growth

Is it actually growing, and how fast?

ADCBAbu Dhabi Commercial Bank PJSC

Revenue FY25$5.2B

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+18%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+15%–

Revenue, next 5Y, CAGR+11%8

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+9%6

EPS growth, FY27E+9%6

EPS growth, FY28E+6%5

GROWTH ASSESSMENT

STRENGTHS

Revenue is set to grow 15%/yr over the next 3 years, ahead of most of the market.8/10

The runway holds up: revenue is set to grow 11%/yr over five years.8/10

WATCH

Revenue grew 18%/yr over the last 3 years; forecasts see it cooling to 15%/yr.

Earnings are set to grow slower than sales (EPS about 9%/yr vs revenue 15%/yr), so margins are under pressure.

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

BOTTOM LINE

Stalled Business

Growth is a weak point here: a business that is slowing. The one thing to watch: the pace is cooling.

03Price Momentum

Is the market behind it right now?

ADCBAbu Dhabi Commercial Bank PJSC

Total return Current274%

Price return Current149%

MOMENTUM RATING↗

VERY STRONG94 / 100

SHORT-TERM RETURNS▾SCORE

1-month return+7%10

3-month return+8%8

YTD return+20%7

MID & LONG-TERM▾SCORE

% of 52-week high96%10

1-year return+20%7

3-year return+125%8

5-year return+189%9

MOMENTUM ASSESSMENT

STRENGTHS

Magnificent long-term results. Long-term holders have seen +125% over three years and +189% over five, ahead of 80% of the market.

It's up 20% over the past year, now sitting right at its 52-week high. That is clearly ahead of the market.

Strong recent results. The stock is outperforming over the past month (+7%), over three months (+8%) and so far this year (+20%).

WATCH

None flagged.

WEAKNESSES

None flagged.

BOTTOM LINE

Momentum Leader

Short- and long-term returns both rank among the best globally, and the stock trades near its highs. The market is fully behind it — a core fit for momentum strategies.

04Value

Are you paying a fair price for it?

Stop guessing on Abu Dhabi Commercial Bank PJSC. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community