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Emirati (ADX) Financials Sector Analysis

UpdatedApr 11, 2026
DataAggregated Company Financials
Companies55
  • 7D5.6%
  • 3M-1.2%
  • 1Y31.8%
  • YTD0.5%

Emirates NBD Bank PJSC is up 8.8%, leading the way for the Financials industry, which has gained 5.6%. In the same time, Invest bank P.S.C was down 13%. This takes the industry's 12 month performance to a gain of 32%. Earnings are forecast to grow by 6.5% annually.

Sector Valuation and Performance

Has the Emirati Financials Sector valuation changed over the past few years?

DateMarket CapRevenueEarningsPEAbsolute PEPS
Sat, 11 Apr 2026د.إ840.3bد.إ200.6bد.إ92.8b8.4x9.1x4.2x
Mon, 09 Mar 2026د.إ820.5bد.إ198.9bد.إ92.8b8.4x8.8x4.1x
Wed, 04 Feb 2026د.إ906.5bد.إ196.5bد.إ92.9b8.7x9.8x4.6x
Fri, 02 Jan 2026د.إ807.6bد.إ193.8bد.إ90.6b8.5x8.9x4.2x
Sun, 30 Nov 2025د.إ754.2bد.إ193.8bد.إ90.6b8.6x8.3x3.9x
Tue, 28 Oct 2025د.إ812.3bد.إ190.7bد.إ87.7b9.4x9.3x4.3x
Thu, 25 Sep 2025د.إ761.2bد.إ187.5bد.إ84.9b9.1x9x4.1x
Sat, 23 Aug 2025د.إ866.1bد.إ192.7bد.إ88.0b9.3x9.8x4.5x
Mon, 21 Jul 2025د.إ879.7bد.إ187.5bد.إ86.0b10x10.2x4.7x
Wed, 18 Jun 2025د.إ779.6bد.إ186.9bد.إ85.7b9.4x9.1x4.2x
Fri, 16 May 2025د.إ908.1bد.إ187.0bد.إ85.6b9.6x10.6x4.9x
Sun, 13 Apr 2025د.إ832.5bد.إ182.4bد.إ83.9b9.9x9.9x4.6x
Tue, 11 Mar 2025د.إ749.0bد.إ182.3bد.إ83.8b9.8x8.9x4.1x
Thu, 06 Feb 2025د.إ745.8bد.إ178.8bد.إ82.8b10x9x4.2x
Sat, 04 Jan 2025د.إ687.5bد.إ175.7bد.إ82.3b10x8.4x3.9x
Mon, 02 Dec 2024د.إ627.0bد.إ170.9bد.إ79.4b9.4x7.9x3.7x
Wed, 30 Oct 2024د.إ647.4bد.إ172.5bد.إ82.5b9.1x7.8x3.8x
Fri, 27 Sep 2024د.إ661.2bد.إ169.4bد.إ80.7b10.1x8.2x3.9x
Sun, 25 Aug 2024د.إ638.2bد.إ169.3bد.إ80.6b10.1x7.9x3.8x
Tue, 23 Jul 2024د.إ615.8bد.إ164.5bد.إ80.5b8.8x7.7x3.7x
Thu, 20 Jun 2024د.إ585.1bد.إ160.7bد.إ78.8b8.3x7.4x3.6x
Sat, 18 May 2024د.إ600.2bد.إ160.9bد.إ78.9b8.8x7.6x3.7x
Mon, 15 Apr 2024د.إ620.5bد.إ153.7bد.إ76.0b9.3x8.2x4x
Wed, 13 Mar 2024د.إ620.2bد.إ154.4bد.إ76.6b10.7x8.1x4x
Fri, 09 Feb 2024د.إ631.6bد.إ148.4bد.إ76.4b10.9x8.3x4.3x
Sun, 07 Jan 2024د.إ618.4bد.إ141.5bد.إ70.8b10x8.7x4.4x
Tue, 05 Dec 2023د.إ603.6bد.إ141.8bد.إ70.9b9.8x8.5x4.3x
Thu, 02 Nov 2023د.إ585.7bد.إ141.2bد.إ70.8b9.3x8.3x4.1x
Sat, 30 Sep 2023د.إ610.1bد.إ131.8bد.إ64.7b9.9x9.4x4.6x
Mon, 28 Aug 2023د.إ615.4bد.إ131.4bد.إ64.7b10.6x9.5x4.7x
Wed, 26 Jul 2023د.إ610.2bد.إ124.3bد.إ58.6b10x10.4x4.9x
Fri, 23 Jun 2023د.إ582.6bد.إ122.1bد.إ56.4b10.6x10.3x4.8x
Sun, 21 May 2023د.إ569.6bد.إ121.4bد.إ56.3b9.4x10.1x4.7x
Tue, 18 Apr 2023د.إ535.5bد.إ113.8bد.إ52.6b10.9x10.2x4.7x
Price to Earnings Ratio

10.2x


Total Market Cap: د.إ535.5bTotal Earnings: د.إ52.6bTotal Revenue: د.إ113.8bTotal Market Cap vs Earnings and Revenue0%0%0%
Emirati Financials Sector Price to Earnings3Y Average 8.9x202420252026
Current Industry PE
  • Investors are relatively neutral on the Emirian Financials industry at the moment, indicating that they anticipate long term growth rates to remain steady.
  • The industry is trading close to its 3-year average PE ratio of 8.9x.
  • The industry is trading close to its 3-year average PS ratio of 4.2x.
Past Earnings Growth
  • The earnings for companies in the Financials industry have grown 21% per year over the last three years.
  • Revenues for these companies have grown 21% per year.
  • This means that more sales are being generated by these companies overall, and subsequently their profits are increasing too.

Industry Trends

Which industries have driven the changes within the Emirati Financials sector?

AE Market2.61%
Financials5.62%
Banks5.88%
Capital Markets3.88%
Insurance0.97%
Diversified Financial0.60%
Mortgage Finance0%0
Consumer Finance0%0
Industry PE
  • Investors are most optimistic about the Banks industry, which is trading close to its 3-year average PE ratio of 8.4x.
    • Analysts are expecting annual earnings growth of 6.7%, which is lower than the prior year's growth of 24.2% per year.
Forecasted Growth
  • Analysts are most optimistic on the Banks industry, expecting annual earnings growth of 6.7% over the next 5 years.
  • However this is lower than its past earnings growth rate of 24% per year.
  • In contrast, the Diversified Financial industry is expected to see its earnings decline by 15% per year over the next few years.

Top Stock Gainers and Losers

Which companies have driven the market over the last 7 days?

CompanyLast Price7D1YValuation
EMIRATESNBD Emirates NBD Bank PJSCد.إ30.688.8%
+د.إ15.7b		59.4%PB1.3x
FAB First Abu Dhabi Bank P.J.S.Cد.إ18.607.1%
+د.إ13.7b		40.3%PB1.4x
ADIB Abu Dhabi Islamic Bank PJSCد.إ22.729.8%
+د.إ7.3b		40.8%PB2.7x
ADCB Abu Dhabi Commercial Bank PJSCد.إ13.303.9%
+د.إ3.9b		29.6%PB1.2x
MASQ Mashreqbank PSCد.إ218.003.3%
+د.إ1.4b		-8.4%PB1.1x

Latest News

EIC
د.إ7.40
Emirates Insurance Company P.J.S.C
7D
-2.6%
1Y
2.1%
EMIRATESNBD
د.إ30.68
Emirates NBD Bank PJSC
7D
8.8%
1Y
59.4%

EMIRATESNBD: Dividend Proposal And Upcoming Meetings Will Support Future Upside Potential

Analysts have trimmed their price target for Emirates NBD Bank PJSC slightly to AED35.57 from AED35.71, reflecting updated assumptions for discount rate, revenue growth, profit margin and future P/E that remain broadly in line with previous expectations. What's in the News A board meeting is scheduled for Jan 26, 2026, at 11:00 UTC to review and approve the previous board minutes, consider the Emirates NBD Group consolidated financial statements for the year ended Dec 31, 2025 in English and Arabic, and address normal business activities (Key Developments).
TKFL
د.إ4.70
Abu Dhabi National Takaful Company PSC
7D
-3.1%
1Y
-13.3%
DIB
د.إ7.50
Dubai Islamic Bank P.J.S.C
7D
1.8%
1Y
3.9%

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).
ABNIC
د.إ2.53
Al Buhaira National Insurance Company P.S.C
7D
-4.9%
1Y
-6.3%
HAYAH
د.إ1.28
HAYAH Insurance Company P.J.S.C
7D
-3.8%
1Y
-14.7%
ADIB
د.إ22.72
Abu Dhabi Islamic Bank PJSC
7D
9.8%
1Y
40.8%

ADIB: Upcoming 2026 Dividend And Meetings Will Support Higher Fair Value

Analysts have made a small downward adjustment to their fair value estimate for Abu Dhabi Islamic Bank PJSC, trimming the price target from AED31.19 to AED31.14 as they fine tune assumptions around discount rates, revenue growth, profit margins and future P/E levels. What's in the News An annual dividend of AED 0.9705 per share has been announced, with an ex-date on March 13, 2026, a record date on March 16, 2026, and payment on April 03, 2026 (Key Developments).
ADCB
د.إ13.30
Abu Dhabi Commercial Bank PJSC
7D
3.9%
1Y
29.6%

ADCB: Upcoming Dividend And Board Decisions Will Support Future Upside Potential

Analysts have trimmed their price target for Abu Dhabi Commercial Bank PJSC slightly to around AED 18.19 from about AED 18.25, reflecting updated assumptions on the discount rate, revenue growth, profit margin, and future P/E. The core valuation view remains broadly unchanged.
DHAFRA
د.إ6.21
Al Dhafra Insurance Company P.S.C
7D
-3.1%
1Y
27.8%
SIB
د.إ3.45
Sharjah Islamic Bank PJSC
7D
7.8%
1Y
49.4%
RAPCO
د.إ2.10
RAPCO Investment PJSC
7D
-4.5%
1Y
32.1%
RAKBANK
د.إ8.33
National Bank of Ras Al-Khaimah (P.S.C.)
7D
5.3%
1Y
31.8%
FAB
د.إ18.60
First Abu Dhabi Bank P.J.S.C
7D
7.1%
1Y
40.3%
MASQ
د.إ218.00
Mashreqbank PSC
7D
3.3%
1Y
-8.4%
INB
د.إ0.042
Invest bank P.S.C
7D
-12.5%
1Y
n/a
ICAP
د.إ1.43
Investcorp Capital
7D
-2.7%
1Y
-14.9%