Dubai Islamic Bank P.J.S.C (DIB) Stock Overview
Engages in the corporate, retail, and investment banking activities in the United Arab Emirates and internationally. More details
| Snowflake Score | |
|---|---|
| Valuation | 3/6 |
| Future Growth | 0/6 |
| Past Performance | 2/6 |
| Financial Health | 4/6 |
| Dividends | 3/6 |
DIB Community Fair Values
Create NarrativeSee what 36 others think this stock is worth. Follow their fair value or set your own to get alerts.
Analyst Price Targets
Dubai Islamic Bank P.J.S.C. Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | د.إ7.40 |
| 52 Week High | د.إ10.20 |
| 52 Week Low | د.إ6.97 |
| Beta | 0.068 |
| 1 Month Change | 3.35% |
| 3 Month Change | -10.84% |
| 1 Year Change | -10.09% |
| 3 Year Change | 39.10% |
| 5 Year Change | 48.89% |
| Change since IPO | -22.78% |
Recent News & Updates
Narrative Update • May 10
DIB: Upcoming Dividend Will Support Bullish Undervalued Thesis
Analysts have trimmed their price target for Dubai Islamic Bank P.J.S.C. to AED 8.80 from AED 9.02, citing updated assumptions around slightly lower projected profit margins, a modestly lower future P/E multiple, and refreshed fair value estimates despite adjusted expectations for revenue growth and discount rates. What's in the News A board meeting is scheduled for April 28, 2026, at 11:30 Coordinated Universal Time to consider the financial statements for the three-month period ended March 31, 2026, along with other routine matters (Key Developments).Analysis Article • May 01
Dubai Islamic Bank P.J.S.C. Just Beat Analyst Forecasts, And Analysts Have Been Updating Their Predictions
Dubai Islamic Bank P.J.S.C. ( DFM:DIB ) investors will be delighted, with the company turning in some strong numbers...Narrative Update • Apr 26
DIB: Upcoming Dividend And Board Actions Will Support Bullish Undervalued Thesis
Analysts have slightly trimmed their price target for Dubai Islamic Bank P.J.S.C. to AED 9.02 from AED 9.22, reflecting small updates to discount rate, revenue growth and profit margin assumptions in their valuation models. What's in the News Board meeting scheduled for April 28, 2026 at 11:30 UTC to consider financial statements for the three month period ended March 31, 2026, along with other routine matters (company event filing).Narrative Update • Apr 09
DIB: Upcoming Dividend Will Support Bullish Undervalued Thesis
Analysts have trimmed their AED fair value estimate for Dubai Islamic Bank P.J.S.C. by about AED0.11, reflecting slightly softer revenue growth assumptions and a marginally lower future P/E, partly offset by a small uplift in expected profit margin. What's in the News A board meeting is scheduled for April 1, 2026, at 14:30 UTC to consider appointing H.E. Mohammad Ibrahim Al Shaibani as Board Chairman for the 2026 to 2029 term and to address other business matters (Key Developments).Recent updates
Narrative Update • May 10
DIB: Upcoming Dividend Will Support Bullish Undervalued Thesis
Analysts have trimmed their price target for Dubai Islamic Bank P.J.S.C. to AED 8.80 from AED 9.02, citing updated assumptions around slightly lower projected profit margins, a modestly lower future P/E multiple, and refreshed fair value estimates despite adjusted expectations for revenue growth and discount rates. What's in the News A board meeting is scheduled for April 28, 2026, at 11:30 Coordinated Universal Time to consider the financial statements for the three-month period ended March 31, 2026, along with other routine matters (Key Developments).Analysis Article • May 01
Dubai Islamic Bank P.J.S.C. Just Beat Analyst Forecasts, And Analysts Have Been Updating Their Predictions
Dubai Islamic Bank P.J.S.C. ( DFM:DIB ) investors will be delighted, with the company turning in some strong numbers...Narrative Update • Apr 26
DIB: Upcoming Dividend And Board Actions Will Support Bullish Undervalued Thesis
Analysts have slightly trimmed their price target for Dubai Islamic Bank P.J.S.C. to AED 9.02 from AED 9.22, reflecting small updates to discount rate, revenue growth and profit margin assumptions in their valuation models. What's in the News Board meeting scheduled for April 28, 2026 at 11:30 UTC to consider financial statements for the three month period ended March 31, 2026, along with other routine matters (company event filing).Narrative Update • Apr 09
DIB: Upcoming Dividend Will Support Bullish Undervalued Thesis
Analysts have trimmed their AED fair value estimate for Dubai Islamic Bank P.J.S.C. by about AED0.11, reflecting slightly softer revenue growth assumptions and a marginally lower future P/E, partly offset by a small uplift in expected profit margin. What's in the News A board meeting is scheduled for April 1, 2026, at 14:30 UTC to consider appointing H.E. Mohammad Ibrahim Al Shaibani as Board Chairman for the 2026 to 2029 term and to address other business matters (Key Developments).Narrative Update • Mar 25
DIB: Upcoming Dividend And Board Meetings Will Support Bullish Undervalued Thesis
Analysts have held their price target for Dubai Islamic Bank P.J.S.C. steady at AED 9.33, reflecting largely unchanged views on fair value, discount rate, revenue growth, profit margin and future P/E assumptions. What's in the News A board meeting is scheduled for Feb 27, 2026 at 17:00 Coordinated Universal Time to review a business planning update and other general business topics (Key Developments).Narrative Update • Mar 07
DIB: Upcoming Board Meetings Will Support Bullish Outlook At Undervalued Shares
Analysts have trimmed their AED price target for Dubai Islamic Bank P.J.S.C., citing updated assumptions that include a fair value estimate of AED 9.33, a discount rate of 20.14%, revenue growth of 6.04%, a profit margin of 52.02%, and a forward P/E of 14.80. What's in the News Board meeting scheduled for February 27, 2026 at 17:00 UTC to review business planning updates and other general topics.Analysis Article • Feb 12
Dubai Islamic Bank P.J.S.C. (DFM:DIB) Consensus Forecasts Have Become A Little Darker Since Its Latest Report
Shareholders might have noticed that Dubai Islamic Bank P.J.S.C. ( DFM:DIB ) filed its full-year result this time last...Narrative Update • Feb 11
DIB: Upcoming Meetings Will Reinforce Stable Outlook At Fairly Valued Shares
Analysts have kept their price target for Dubai Islamic Bank P.J.S.C. broadly unchanged around AED 9.80, reflecting only minor tweaks to assumptions such as a slightly lower discount rate and a similar future P/E outlook. What's in the News Board meeting scheduled for Dec 19, 2025 at 11:00 Coordinated Universal Time to consider and approve general business matters that are not expected to affect the share price (Key Developments).Narrative Update • Jan 25
DIB: Upcoming Board Meeting Will Affirm Stable Outlook At Fairly Valued Shares
Analysts have trimmed their fair value estimate for Dubai Islamic Bank P.J.S.C. slightly from AED 9.82 to about AED 9.80, reflecting updated assumptions regarding discount rates, revenue growth, profit margins and future P/E expectations. What's in the News A board meeting is scheduled for December 19, 2025, at 11:00 Coordinated Universal Time to review and approve general business matters that are indicated as not affecting the share price (Key Developments).Narrative Update • Jan 10
DIB: Upcoming Board Meetings Will Indicate Stable Outlook At Fairly Valued Shares
Analysts have nudged their price target for Dubai Islamic Bank P.J.S.C. slightly higher to reflect updated assumptions around fair value at 9.82, a modestly lower discount rate of 20.26%, adjusted revenue growth expectations of 5.25%, firmer profit margins of 54.15%, and a marginally lower future P/E of 14.77x. What's in the News Board meeting scheduled for Dec 19, 2025, at 11:00 Coordinated Universal Time to review general business matters that are stated as not affecting the share price (company filing).Narrative Update • Dec 23
DIB: Upcoming Board Meetings Will Signal Steady Outlook At Fairly Valued Shares
Analysts have slightly raised their price target for Dubai Islamic Bank P.J.S.C., now viewing the shares as fairly valued at around AED 9.77. They cite marginally higher assumptions for the discount rate and future earnings multiples while maintaining steady growth and profitability outlooks.Narrative Update • Dec 09
DIB: Upcoming Board Meetings Will Guide Outlook Amid Stable Earnings Profile
Analysts have slightly revised their price target for Dubai Islamic Bank P.J.S.C., nudging it higher to reflect marginally lower perceived risk and steady expectations for revenue growth, profit margins, and future valuation multiples. What's in the News Board meeting scheduled for October 28, 2025 at 15:30 Pakistan Standard Time to review financial statements for the nine month period ended September 30, 2025, as well as other general business items that do not affect the share price (Key Developments).Narrative Update • Nov 25
DIB: Upcoming Board Review And Slight Margin Gains Will Shape Outlook
Analysts have slightly adjusted their price target for Dubai Islamic Bank P.J.S.C. to AED 9.77, citing modest improvements in revenue growth and profit margin estimates as key factors behind the revision. What's in the News The board of Dubai Islamic Bank P.J.S.C. will meet on October 28, 2025, to review financial statements for the nine-month period ending September 30, 2025, along with other standard business matters (Key Developments).Narrative Update • Nov 10
DIB: Modest Revenue Improvement And Lower Discount Rate Signal Balanced Outlook
Analysts have slightly raised their price target for Dubai Islamic Bank P.J.S.C., increasing it from AED 9.65 to AED 9.77. They cite modest improvements in projected revenue growth and a lower discount rate as reasons for the adjustment.Analysis Article • Oct 30
Dubai Islamic Bank P.J.S.C. Just Beat Analyst Forecasts, And Analysts Have Been Updating Their Predictions
Dubai Islamic Bank P.J.S.C. ( DFM:DIB ) came out with its third-quarter results last week, and we wanted to see how the...Narrative Update • Oct 27
Expectations For Bank Performance Will Shift Amid Upcoming Board Decisions
Analysts have modestly increased their price target for Dubai Islamic Bank P.J.S.C. from AED 9.48 to AED 9.65. This reflects more optimistic expectations for future revenue growth, even though the profit margin forecast is slightly lower.Analysis Article • Aug 09
Dubai Islamic Bank P.J.S.C. Just Beat Earnings Expectations: Here's What Analysts Think Will Happen Next
DFM:DIB 1 Year Share Price vs Fair Value Explore Dubai Islamic Bank P.J.S.C's Fair Values from the Community and select...Narrative Update • Aug 07
Overoptimism Will Undermine UAE Banking Prospects Amid Looming Risks
Despite a slight downward revision in revenue growth forecasts, the consensus analyst price target for Dubai Islamic Bank P.J.S.C was marginally increased from AED8.90 to AED8.99. What's in the News Dubai Islamic Bank participated as a Joint Lead Manager and Joint Bookrunner in a proposed USD-denominated perpetual non-call 6-year Additional Tier 1 Sukuk offering, subject to market conditions.
New Narrative • Nov 13
Digital Expansion And Strategic Growth Drive Revenues Despite Profit Margin Squeeze
Strategic focus on expanding consumer banking and sukuk portfolio is set to drive revenue through diversified financing and investment activities.Shareholder Returns
| DIB | AE Banks | AE Market | |
|---|---|---|---|
| 7D | 0% | 0.8% | 1.0% |
| 1Y | -10.1% | 9.7% | -2.5% |
Return vs Industry: DIB underperformed the AE Banks industry which returned 9.7% over the past year.
Return vs Market: DIB underperformed the AE Market which returned -2.5% over the past year.
Price Volatility
| DIB volatility | |
|---|---|
| DIB Average Weekly Movement | 5.3% |
| Banks Industry Average Movement | 5.7% |
| Market Average Movement | 5.9% |
| 10% most volatile stocks in AE Market | 8.2% |
| 10% least volatile stocks in AE Market | 3.3% |
Stable Share Price: DIB has not had significant price volatility in the past 3 months compared to the AE market.
Volatility Over Time: DIB's weekly volatility (5%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1975 | n/a | Adnan Abdus Chilwan | www.dib.ae |
Dubai Islamic Bank P.J.S.C., together with its subsidiaries, engages in the corporate, retail, and investment banking activities in the United Arab Emirates and internationally. It operates through Consumer Banking, Corporate Banking, Treasury, and Others segments. The Consumer Banking segment accepts deposits; and offers consumer murabahas, salam, home finance, ijarah, credit cards, and fund transfer facilities, as well as banking and wealth management services.
Dubai Islamic Bank P.J.S.C. Fundamentals Summary
| DIB fundamental statistics | |
|---|---|
| Market cap | د.إ53.48b |
| Earnings (TTM) | د.إ7.13b |
| Revenue (TTM) | د.إ12.88b |
7.5x
P/E Ratio1.0x
P/B RatioIs DIB overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| DIB income statement (TTM) | |
|---|---|
| Revenue | د.إ12.88b |
| Cost of Revenue | د.إ306.66m |
| Gross Profit | د.إ12.57b |
| Other Expenses | د.إ5.45b |
| Earnings | د.إ7.13b |
Last Reported Earnings
Mar 31, 2026
Next Earnings Date
n/a
| Earnings per share (EPS) | 0.99 |
| Gross Margin | 97.62% |
| Net Profit Margin | 55.33% |
| Debt/Equity Ratio | 39.0% |
How did DIB perform over the long term?
See historical performance and comparisonDividends
4.7%
Current Dividend Yield35%
Payout RatioCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/06/01 06:17 |
| End of Day Share Price | 2026/05/25 00:00 |
| Earnings | 2026/03/31 |
| Annual Earnings | 2025/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Dubai Islamic Bank P.J.S.C. is covered by 20 analysts. 9 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Ranya Gnaba | AlphaMena |
| Kais Kriaa | AlphaMena |
| Jaap Meijer | Arqaam Capital Research Offshore S.A.L. |