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Abu Dhabi Islamic Bank PJSC (ADIB) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

Abu Dhabi Islamic Bank PJSC

ADIBMarket cap $23BPrice $6.4

Country🇦🇪United Arab Emirates

SectorFinancials

IndustryBanks

Provides Sharia-compliant banking across the UAE, from retail accounts to corporate financing, without charging interest. One of the world's largest Islamic banks by assets, proving faith-based finance can rival conventional banking at scale.

In Bastion Portfolios?

52W Return+9%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+24%–

Revenue Forecast

Rev CAGR (1y)na–

Rev CAGR (3y)+11%–

Rev CAGR (5y)+11%8

Earnings Forecast

EPS Growth Y+1+7%6

EPS Growth Y+2+11%7

EPS Growth Y+3+11%7

Quality

Margins

EBIT Margin0%8

Net Income Margin57%10

Free Cash Flow Margin-259%1

Debt

Net Debt/EBITDAna–

Efficiency

ROE23%8

ROA3%4

Earnings Stability1010

GEAR+

Not enough data to calculate the GEAR+ rating.

Value

Price Multiples

P/E Ratio (Forward)127

P/E Ratio (Forward 3y)108

P/BV2.85

EV Multiples

EV/EBITDA Fwd07

EV/EBIT Fwd07

Yield

Free Cash Flow Yield0.0%8

Dividend Yield4.1%9

Momentum

Short term

1 month return+1%8

3 month return+7%8

YTD return+18%7

Mid term

Price vs 52wHigh88%7

1 year return+12%6

Long term

3 year return+145%8

5 year return+427%10

Risk Shield

Price Risk

Beta0.67

Volatility35%5

Free Cash Flow

Free Cash Flow Margin-259%1

Free Cash Flow Yield0.0%8

Quality

ROCE19%4

Earnings Stability1010

Net Debt/EBITDAna–

02Growth

Is it actually growing, and how fast?

ADIBAbu Dhabi Islamic Bank PJSC

Revenue FY25$3.2B

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+24%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+11%–

Revenue, next 5Y, CAGR+11%8

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+7%6

EPS growth, FY27E+11%7

EPS growth, FY28E+11%7

GROWTH ASSESSMENT

STRENGTHS

Revenue is set to grow 11%/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

Earnings are set to grow in step with sales (EPS about 11%/yr vs revenue 11%/yr).

WATCH

Revenue grew 24%/yr over the last 3 years; forecasts see it cooling to 11%/yr.

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?

ADIBAbu Dhabi Islamic Bank PJSC

Total return Current875%

Price return Current516%

MOMENTUM RATING↗

STRONG84 / 100

SHORT-TERM RETURNS▾SCORE

1-month return+1%8

3-month return+7%8

YTD return+18%7

MID & LONG-TERM▾SCORE

% of 52-week high88%7

1-year return+12%6

3-year return+145%8

5-year return+427%10

MOMENTUM ASSESSMENT

STRENGTHS

Magnificent long-term results. Long-term holders have seen +145% over three years and +427% over five, ahead of 80% of the market.

It's up 12% over the past year, but 12% below its 52-week high. That is clearly ahead of the market.

Strong recent results. The stock is outperforming over the past month (+1%), over three months (+7%) and so far this year (+18%).

WATCH

None flagged.

WEAKNESSES

None flagged.

BOTTOM LINE

Momentum Leader

Short- and long-term returns both rank among the best globally. The market is behind it — a core fit for momentum strategies.

04Value

Are you paying a fair price for it?

Stop guessing on AD Islamic Bank. 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?

ADIBAbu Dhabi Islamic Bank PJSC

Revenue FY25$3.2B

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+24%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+11%–

Revenue, next 5Y, CAGR+11%8

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+7%6

EPS growth, FY27E+11%7

EPS growth, FY28E+11%7

GROWTH ASSESSMENT

STRENGTHS

Revenue is set to grow 11%/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

Earnings are set to grow in step with sales (EPS about 11%/yr vs revenue 11%/yr).

WATCH

Revenue grew 24%/yr over the last 3 years; forecasts see it cooling to 11%/yr.

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?

ADIBAbu Dhabi Islamic Bank PJSC

Total return Current875%

Price return Current516%

MOMENTUM RATING↗

STRONG84 / 100

SHORT-TERM RETURNS▾SCORE

1-month return+1%8

3-month return+7%8

YTD return+18%7

MID & LONG-TERM▾SCORE

% of 52-week high88%7

1-year return+12%6

3-year return+145%8

5-year return+427%10

MOMENTUM ASSESSMENT

STRENGTHS

Magnificent long-term results. Long-term holders have seen +145% over three years and +427% over five, ahead of 80% of the market.

It's up 12% over the past year, but 12% below its 52-week high. That is clearly ahead of the market.

Strong recent results. The stock is outperforming over the past month (+1%), over three months (+7%) and so far this year (+18%).

WATCH

None flagged.

WEAKNESSES

None flagged.

BOTTOM LINE

Momentum Leader

Short- and long-term returns both rank among the best globally. The market is behind it — a core fit for momentum strategies.

04Value

Are you paying a fair price for it?

Stop guessing on AD Islamic Bank. 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