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Emirates Islamic Bank PJSC (EIB) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

Emirates Islamic Bank PJSC

EIBMarket cap $16BPrice $3.0

Country🇦🇪United Arab Emirates

SectorFinancials

IndustryBanks

Runs Sharia-compliant retail and corporate banking across the UAE, offering everything from savings accounts to trade finance without a shred of interest. Backed by Emirates NBD, it's proof Islamic banking can be both faith-driven and seriously profitable.

In Bastion Portfolios?

52W Return0%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+28%–

Revenue Forecast

Rev CAGR (1y)na–

Rev CAGR (3y)+8%–

Rev CAGR (5y)+5%5

Earnings Forecast

EPS Growth Y+1na–

EPS Growth Y+2na–

EPS Growth Y+3+4%5

Quality

Margins

EBIT Margin0%8

Net Income Margin57%10

Free Cash Flow Margin-308%1

Debt

Net Debt/EBITDAna–

Efficiency

ROE20%8

ROA2%4

Earnings Stability1010

GEAR+

Not enough data to calculate the GEAR+ rating.

Value

Price Multiples

P/E Ratio (Forward)na–

P/E Ratio (Forward 3y)145

P/BV3.64

EV Multiples

EV/EBITDA Fwdna–

EV/EBIT Fwdna–

Yield

Free Cash Flow Yield0.0%6

Dividend Yieldna–

Momentum

Short term

1 month return0%8

3 month return0%6

YTD return0%5

Mid term

Price vs 52wHighna–

1 year return0%5

Long term

3 year return+76%7

5 year return+67%6

Risk Shield

Price Risk

Beta0.010

Volatilityna–

Free Cash Flow

Free Cash Flow Margin-308%1

Free Cash Flow Yield0.0%6

Quality

ROCE10%4

Earnings Stability1010

Net Debt/EBITDAna–

02Growth

Is it actually growing, and how fast?

EIBEmirates Islamic Bank PJSC

Revenue FY25$1.6B

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+28%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+8%–

Revenue, next 5Y, CAGR+5%5

EARNINGS FORECAST▾SCORE

EPS growth, FY26Ena–

EPS growth, FY27Ena–

EPS growth, FY28E+4%5

GROWTH ASSESSMENT

STRENGTHS

None flagged.

WATCH

Revenue is set to grow 8%/yr over the next 3 years, in line with the market.5/10

Revenue grew 28%/yr over the last 3 years; forecasts see it cooling to 8%/yr.

Over five years revenue is set to grow 5%/yr, about average versus companies worldwide.5/10

WEAKNESSES

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

Earnings are set to fall even as revenue grows (EPS about 0%/yr vs revenue 8%/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?

EIBEmirates Islamic Bank PJSC

Total return Current10.7%

Price return Current10.7%

MOMENTUM RATING↗

AVERAGE41 / 100

SHORT-TERM RETURNS▾SCORE

1-month return0%8

3-month return0%6

YTD return0%5

MID & LONG-TERM▾SCORE

% of 52-week highna–

1-year return0%5

3-year return+76%7

5-year return+67%6

MOMENTUM ASSESSMENT

STRENGTHS

Strong long-term results. Long-term holders have seen +76% over three years and +67% over five, ahead of 60% of the market.

Strong recent results. The stock is outperforming over the past month (+0%).

WATCH

It's up 0% over the past year, but 100% below its 52-week high. That is right in line with the market.

Returns sit at the market level over three months (+0%) and so far this year (+0%).

WEAKNESSES

None flagged.

BOTTOM LINE

Steady Compounder

Dependable multi-year returns with a calmer near-term tape. A reliable long-term trend rather than a short-term breakout.

04Value

Are you paying a fair price for it?

Stop guessing on Emirates Islamic 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?

EIBEmirates Islamic Bank PJSC

Revenue FY25$1.6B

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+28%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+8%–

Revenue, next 5Y, CAGR+5%5

EARNINGS FORECAST▾SCORE

EPS growth, FY26Ena–

EPS growth, FY27Ena–

EPS growth, FY28E+4%5

GROWTH ASSESSMENT

STRENGTHS

None flagged.

WATCH

Revenue is set to grow 8%/yr over the next 3 years, in line with the market.5/10

Revenue grew 28%/yr over the last 3 years; forecasts see it cooling to 8%/yr.

Over five years revenue is set to grow 5%/yr, about average versus companies worldwide.5/10

WEAKNESSES

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

Earnings are set to fall even as revenue grows (EPS about 0%/yr vs revenue 8%/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?

EIBEmirates Islamic Bank PJSC

Total return Current10.7%

Price return Current10.7%

MOMENTUM RATING↗

AVERAGE41 / 100

SHORT-TERM RETURNS▾SCORE

1-month return0%8

3-month return0%6

YTD return0%5

MID & LONG-TERM▾SCORE

% of 52-week highna–

1-year return0%5

3-year return+76%7

5-year return+67%6

MOMENTUM ASSESSMENT

STRENGTHS

Strong long-term results. Long-term holders have seen +76% over three years and +67% over five, ahead of 60% of the market.

Strong recent results. The stock is outperforming over the past month (+0%).

WATCH

It's up 0% over the past year, but 100% below its 52-week high. That is right in line with the market.

Returns sit at the market level over three months (+0%) and so far this year (+0%).

WEAKNESSES

None flagged.

BOTTOM LINE

Steady Compounder

Dependable multi-year returns with a calmer near-term tape. A reliable long-term trend rather than a short-term breakout.

04Value

Are you paying a fair price for it?

Stop guessing on Emirates Islamic 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