Dubai Islamic Bank P.J.S.C.

DFM:DIB Stock Report

Market Cap: د.إ55.6b

Dubai Islamic Bank P.J.S.C Past Earnings Performance

Past criteria checks 3/6

Dubai Islamic Bank P.J.S.C has been growing earnings at an average annual rate of 13.9%, while the Banks industry saw earnings growing at 26.4% annually. Revenues have been growing at an average rate of 12.2% per year. Dubai Islamic Bank P.J.S.C's return on equity is 15.6%, and it has net margins of 60.7%.

Key information

13.9%

Earnings growth rate

12.3%

EPS growth rate

Banks Industry Growth12.3%
Revenue growth rate12.2%
Return on equity15.6%
Net Margin60.7%
Last Earnings Update30 Sep 2024

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

How Dubai Islamic Bank P.J.S.C makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

DFM:DIB Revenue, expenses and earnings (AED Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 2411,5016,9763,2330
30 Jun 2410,8686,5943,1550
31 Mar 2410,5246,4883,0470
31 Dec 2310,0846,3732,9400
30 Sep 239,3005,7002,7600
30 Jun 238,8945,4292,6540
31 Mar 238,5735,1972,5820
31 Dec 228,3645,0492,5380
30 Sep 228,1634,9502,5430
30 Jun 227,8984,7792,4860
31 Mar 227,5354,4222,4630
31 Dec 217,0283,8122,3770
30 Sep 216,2882,7102,3340
30 Jun 216,1242,3862,3700
31 Mar 216,1012,4722,3670
31 Dec 205,4552,7392,5940
30 Sep 205,9413,6762,6230
30 Jun 206,1063,9182,5300
31 Mar 206,4804,3502,5000
31 Dec 197,5314,5462,2600
30 Sep 197,8074,7952,2440
30 Jun 197,8024,7532,2410
31 Mar 197,5394,5822,2360
31 Dec 187,3684,4182,2270
30 Sep 187,2114,2712,2500
30 Jun 187,1124,1432,2620
31 Mar 187,0323,9892,2350
31 Dec 176,8643,8252,2370
30 Sep 176,6643,5922,2250
30 Jun 176,5013,3612,2110
31 Mar 176,4073,2332,2240
31 Dec 166,3693,0972,1990
30 Sep 166,3773,0502,2020
30 Jun 166,3583,1462,1930
31 Mar 166,2673,1192,1600
31 Dec 156,0783,1832,1200
30 Sep 155,4853,0292,0450
30 Jun 155,1442,8571,9800
31 Mar 154,8152,6231,8900
31 Dec 144,5812,4151,8050
30 Sep 144,4412,1901,7670
30 Jun 144,0731,9481,6650
31 Mar 143,7611,6991,6270

Quality Earnings: DIB has high quality earnings.

Growing Profit Margin: DIB's current net profit margins (60.7%) are lower than last year (61.3%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: DIB's earnings have grown by 13.9% per year over the past 5 years.

Accelerating Growth: DIB's earnings growth over the past year (22.4%) exceeds its 5-year average (13.9% per year).

Earnings vs Industry: DIB earnings growth over the past year (22.4%) did not outperform the Banks industry 22.4%.

Return on Equity

High ROE: DIB's Return on Equity (15.6%) is considered low.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/01/31 00:57
End of Day Share Price 2025/01/31 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

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.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* 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 here.

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 .

Analyst Sources

Dubai Islamic Bank P.J.S.C. is covered by 25 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.

AnalystInstitution
Ranya GnabaAlphaMena
Kais KriaaAlphaMena
Jaap MeijerArqaam Capital Research Offshore S.A.L.