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The Commercial Bank (P.S.Q.C.) CBQK.QA

QA · XQAT · XQAT · stock · Financial Services · website

The Commercial Bank (P.S.Q.C.) statistics & valuation

Market capQR 16.4B
P / E7.5×
P / S3.5×
P / B0.6×
P / FCF1.9×
Net margin46.5%
FCF margin178.5%
Net debtQR 13.4B
Enterprise value USD$8.2B
Graham number +113.2%QR 8.66

Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value (QR 8.66); a green figure means the price is below it.

Profitability & efficiency

Net margin (%)
54.80% 53.70% 64.90% 46.50% 2022202320242025
Gross margin (%)
2022202320242025
Operating margin (%)
2022202320242025
Return on equity (%)
11.50% 12.30% 11.50% 8.20% 2022202320242025
Shares outstanding
4.05B 4.05B 4.05B 4.05B 2022202320242025
Net debt (QR )
QR 3.32B QR 11.16B QR 14.61B QR 13.38B 2022202320242025
Share buybacks (QR )
2022202320242025
Return on assets (%)
1.70% 1.80% 1.80% 1.10% 2022202320242025
Free cash flow margin (%)
83.40% -45.20% -52.50% 178.50% 2022202320242025
Debt / equity (×)
1.15× 1.41× 1.35× 1.53× 2022202320242025
EPS (QR )
QR 0.62 QR 0.71 QR 0.71 QR 0.50 2022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

The Commercial Bank (P.S.Q.C.) trades at about 8.1× earnings — below its 10-year norm (10-year range 6.5×–9.7×, median 9.5×).

6.5× 9.7×

Shaded band = 10-year range (6.5×–9.7×); dot = today's 8.1×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022
Net margin46.5%64.9%53.7%54.8%
FCF margin178.5%-52.5%-45.2%83.4%
Return on assets1.1%1.8%1.8%1.7%
Return on equity8.2%11.5%12.3%11.5%

Computed from company filings · QA · as of 2025-12-31. Figures in QAR. Facts plus Stocktoria's own computed scores — not investment advice.