Markets › Qatar › DSMD › CBQK

The Commercial Bank (Q.S.C.)

DSMD:CBQKFinancial ServicesQSE:GNRI

QAR 3.87−0.13%At closeAt close · Mon 19 Oct · ≈ AED 3.90 · Market cap $4.3B · Next earnings Wed 21 Oct

Ratio	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025	Current · undated	YoY
Gross margin	61.4%	68.9%	60.4%	49.7%	43.2%	43.1%	—	—
Operating margin	19.8%	31.1%	34.4%	27.4%	27.9%	22.3%	22.3%	+0.0 pts
Net margin	19.5%	31.0%	33.1%	26.7%	28.0%	20.0%	22.3%	+2.3 pts
EBITDA margin	23.2%	35.3%	38.4%	31.1%	30.8%	25.1%	—	—
Return on equity	5.9%	10.0%	11.5%	12.3%	11.4%	8.2%	11.6%	+3.4 pts
Return on assets	0.8%	1.4%	1.7%	1.8%	1.8%	1.1%	1.3%	+0.1 pts
Return on capital employed	1.9%	3.6%	4.1%	4.0%	4.1%	1.5%	—	—
Debt / equity	1.3×	1.4×	1.2×	1.4×	1.3×	2.5×	3.2×	+27.2%
Debt / assets	18.0%	19.3%	16.6%	20.9%	21.5%	35.6%	—	—
Interest coverage	0.5×	1.0×	0.9×	0.5×	0.5×	0.4×	—	—
Current ratio	0.2×	0.3×	0.3×	0.3×	0.3×	1.0×	1.0×	+0.0%
Quick ratio	0.2×	0.3×	0.3×	0.3×	0.3×	1.0×	—	—
Cash ratio	0.2×	0.3×	0.3×	0.3×	0.2×	0.9×	0.9×	+0.0%
Asset turnover	0.0×	0.0×	0.1×	0.1×	0.1×	0.1×	—	—
Receivables turnover	3.3×	3.7×	4.0×	4.8×	4.2×	4.7×	—	—
Dividend payout	62.2%	17.6%	23.0%	33.6%	33.4%	55.1%	—	—