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Dubai Islamic Bank P.J.S.C. (DIB) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

Dubai Islamic Bank P.J.S.C.

DIBMarket cap $14BPrice $1.9

Country🇦🇪United Arab Emirates

SectorFinancials

IndustryBanks

Provides Sharia-compliant banking and financial services across the UAE and beyond. As the world's first full-fledged Islamic bank, it pioneered an industry now worth trillions, proving faith-based finance can scale globally.

In Bastion Portfolios?

52W Return-22%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+15%–

Revenue Forecast

Rev CAGR (1y)na–

Rev CAGR (3y)+5%–

Rev CAGR (5y)+7%6

Earnings Forecast

EPS Growth Y+1-7%3

EPS Growth Y+2-6%3

EPS Growth Y+3+8%6

Quality

Margins

EBIT Margin0%6

Net Income Margin58%10

Free Cash Flow Margin-302%1

Debt

Net Debt/EBITDAna–

Efficiency

ROE15%6

ROA2%4

Earnings Stability77

GEAR+

Not enough data to calculate the GEAR+ rating.

Value

Price Multiples

P/E Ratio (Forward)89

P/E Ratio (Forward 3y)89

P/BV1.09

EV Multiples

EV/EBITDA Fwd09

EV/EBIT Fwd09

Yield

Free Cash Flow Yield0.0%10

Dividend Yield4.9%9

Momentum

Short term

1 month return-2%7

3 month return-6%5

YTD return-19%2

Mid term

Price vs 52wHigh73%4

1 year return-21%2

Long term

3 year return+48%5

5 year return+91%7

Risk Shield

Price Risk

Beta0.29

Volatility26%8

Free Cash Flow

Free Cash Flow Margin-302%1

Free Cash Flow Yield0.0%10

Quality

ROCE11%4

Earnings Stability77

Net Debt/EBITDAna–

02Growth

Is it actually growing, and how fast?

DIBDubai Islamic Bank P.J.S.C.

Revenue FY25$3.5B

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+15%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+5%–

Revenue, next 5Y, CAGR+7%6

EARNINGS FORECAST▾SCORE

EPS growth, FY26E-7%3

EPS growth, FY27E-6%3

EPS growth, FY28E+8%6

GROWTH ASSESSMENT

STRENGTHS

None flagged.

WATCH

Revenue is set to grow 5%/yr over the next 3 years, a little ahead of the market.6/10

Revenue grew 15%/yr over the last 3 years; forecasts see it cooling to 5%/yr.

Over five years revenue is set to grow 7%/yr, ahead of 50% of companies worldwide.6/10

WEAKNESSES

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

Earnings are set to fall even as revenue grows (EPS about -6%/yr vs revenue 5%/yr).

BOTTOM LINE

Stalled Business

Growth is a weak point here: a business that is slowing. The one thing to watch: earnings are forecast to fall.

03Price Momentum

Is the market behind it right now?

DIBDubai Islamic Bank P.J.S.C.

Total return Current119%

Price return Current28.5%

MOMENTUM RATING↗

AVERAGE39 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-2%7

3-month return-6%5

YTD return-19%2

MID & LONG-TERM▾SCORE

% of 52-week high73%4

1-year return-21%2

3-year return+48%5

5-year return+91%7

MOMENTUM ASSESSMENT

STRENGTHS

Strong recent results. The stock is outperforming over the past month (-2%).

WATCH

Average long-term results. Multi-year returns are middling (+48% over three years and +91% over five), roughly average for the market.

Returns sit at the market level over three months (-6%).

WEAKNESSES

It's down 21% over the past year, now 27% below its 52-week high. That is lagging the market.

The stock is underperforming so far this year (-19%).

BOTTOM LINE

Mixed Momentum

Horizons disagree or sit near the middle of the pack. Momentum investors may want a clearer trend before sizing up. The one thing to watch: the one-year trend is weak.

04Value

Are you paying a fair price for it?

Stop guessing on Dubai Islamic Bank P.J.S.C.. 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?

DIBDubai Islamic Bank P.J.S.C.

Revenue FY25$3.5B

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+15%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+5%–

Revenue, next 5Y, CAGR+7%6

EARNINGS FORECAST▾SCORE

EPS growth, FY26E-7%3

EPS growth, FY27E-6%3

EPS growth, FY28E+8%6

GROWTH ASSESSMENT

STRENGTHS

None flagged.

WATCH

Revenue is set to grow 5%/yr over the next 3 years, a little ahead of the market.6/10

Revenue grew 15%/yr over the last 3 years; forecasts see it cooling to 5%/yr.

Over five years revenue is set to grow 7%/yr, ahead of 50% of companies worldwide.6/10

WEAKNESSES

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

Earnings are set to fall even as revenue grows (EPS about -6%/yr vs revenue 5%/yr).

BOTTOM LINE

Stalled Business

Growth is a weak point here: a business that is slowing. The one thing to watch: earnings are forecast to fall.

03Price Momentum

Is the market behind it right now?

DIBDubai Islamic Bank P.J.S.C.

Total return Current119%

Price return Current28.5%

MOMENTUM RATING↗

AVERAGE39 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-2%7

3-month return-6%5

YTD return-19%2

MID & LONG-TERM▾SCORE

% of 52-week high73%4

1-year return-21%2

3-year return+48%5

5-year return+91%7

MOMENTUM ASSESSMENT

STRENGTHS

Strong recent results. The stock is outperforming over the past month (-2%).

WATCH

Average long-term results. Multi-year returns are middling (+48% over three years and +91% over five), roughly average for the market.

Returns sit at the market level over three months (-6%).

WEAKNESSES

It's down 21% over the past year, now 27% below its 52-week high. That is lagging the market.

The stock is underperforming so far this year (-19%).

BOTTOM LINE

Mixed Momentum

Horizons disagree or sit near the middle of the pack. Momentum investors may want a clearer trend before sizing up. The one thing to watch: the one-year trend is weak.

04Value

Are you paying a fair price for it?

Stop guessing on Dubai Islamic Bank P.J.S.C.. 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