Abu Dhabi Islamic Bank - Egypt - S.A.E

CASE:ADIB Stock Report

Market Cap: ج.م55.2b

Abu Dhabi Islamic Bank - Egypt -E Valuation

Is ADIB undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

3/6

Valuation Score 3/6

  • Below Future Cash Flow Value

  • Significantly Below Future Cash Flow Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Future Cash Flow Value

What is the Fair Price of ADIB when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Ultimate guide to DCF valuation for stock investing

Learn how to determine fair value like the best investors in the world.

Below Future Cash Flow Value: ADIB (EGP46) is trading above our estimate of future cash flow value (EGP39.57)

Significantly Below Future Cash Flow Value: ADIB is trading above our estimate of future cash flow value.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for ADIB?

Key metric: As ADIB is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for ADIB. This is calculated by dividing ADIB's market cap by their current earnings.
What is ADIB's PE Ratio?
PE Ratio4.2x
Earningsج.م13.21b
Market Capج.م55.20b

Price to Earnings Ratio vs Peers

How does ADIB's PE Ratio compare to its peers?

The above table shows the PE ratio for ADIB vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average5x
HDBK Housing and Development Bank- Egypt (S.A.E)
4x-2.58%ج.م75.5b
CANA Suez Canal Bank (S.A.E)
6.2xn/aج.م35.2b
FAIT Faisal Islamic Bank of Egypt
5.6xn/aج.م29.9b
QNBE Qatar National Bank
4.3x16.42%ج.م118.5b
ADIB Abu Dhabi Islamic Bank - Egypt -E
4.2x15.13%ج.م55.2b

Price-To-Earnings vs Peers: ADIB is good value based on its Price-To-Earnings Ratio (4.2x) compared to the peer average (5x).

Historical Price to Earnings Ratio

Historical Price to Earnings Ratio compares a stock's price to its earnings over time. Higher ratios indicate that investors are willing to pay more for the stock.

Fetching historical data

Price to Earnings Ratio vs Industry

How does ADIB's PE Ratio compare vs other companies in the African Banks Industry?

0 CompaniesPrice / EarningsEstimated GrowthMarket Cap
ADIB 4.2xIndustry Avg. 9.6xNo. of Companies13PE0612182430+
0 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: ADIB is good value based on its Price-To-Earnings Ratio (4.2x) compared to the African Banks industry average (9.6x).

Price to Earnings Ratio vs Fair Ratio

What is ADIB's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

ADIB PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio4.2x
Fair PE Ratio5.3x

Price-To-Earnings vs Fair Ratio: ADIB is good value based on its Price-To-Earnings Ratio (4.2x) compared to the estimated Fair Price-To-Earnings Ratio (5.3x).

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst ADIB forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
Currentج.م46.00
ج.م50.08
+8.87%
28.54%ج.م70.50ج.م33.60n/a5
May ’27ج.م44.80
ج.م50.08
+11.78%
28.54%ج.م70.50ج.م33.60n/a5
Apr ’27ج.م39.02
ج.م50.08
+28.34%
28.54%ج.م70.50ج.م33.60n/a5
Mar ’27ج.م39.80
ج.م50.08
+25.82%
28.54%ج.م70.50ج.م33.60n/a5
Feb ’27ج.م38.96
ج.م44.30
+13.70%
22.77%ج.م62.50ج.م33.60n/a5
Jan ’27ج.م29.90
ج.م42.26
+41.34%
11.44%ج.م47.00ج.م33.60n/a5
Dec ’26ج.م27.10
ج.م42.92
+58.38%
4.88%ج.م47.00ج.م41.20n/a5
Nov ’26ج.م26.24
ج.م42.92
+63.57%
4.88%ج.م47.00ج.م41.20n/a5
Oct ’26ج.م21.72
ج.م42.92
+97.61%
4.88%ج.م47.00ج.م41.20n/a5
Sep ’26ج.م20.72
ج.م42.92
+107.14%
4.88%ج.م47.00ج.م41.20n/a5
Aug ’26ج.م23.85
ج.م41.88
+75.60%
1.12%ج.م42.50ج.م41.20n/a5
Jul ’26ج.م23.10
ج.م41.89
+81.34%
1.12%ج.م42.50ج.م41.20n/a5
Jun ’26ج.م21.86
ج.م39.08
+78.75%
16.15%ج.م42.50ج.م25.00n/a6
May ’26ج.م20.71
ج.م36.12
+74.39%
23.33%ج.م42.50ج.م23.45ج.م44.806
Apr ’26ج.م21.49
ج.م36.12
+68.06%
23.33%ج.م42.50ج.م23.45ج.م39.026
Mar ’26ج.م20.76
ج.م34.48
+66.13%
25.44%ج.م42.50ج.م23.45ج.م39.807
Feb ’26ج.م19.00
ج.م32.19
+69.44%
25.13%ج.م42.30ج.م23.45ج.م38.967
Jan ’26ج.م19.28
ج.م30.68
+59.17%
23.04%ج.م42.30ج.م23.45ج.م29.907
Dec ’25ج.م21.49
ج.م30.68
+42.76%
23.04%ج.م42.30ج.م23.45ج.م27.107
Nov ’25ج.م20.63
ج.م27.07
+31.24%
10.69%ج.م31.25ج.م23.45ج.م26.246
Oct ’25ج.م20.24
ج.م27.07
+33.76%
10.69%ج.م31.25ج.م23.45ج.م21.726
Sep ’25ج.م21.25
ج.م27.07
+27.41%
10.69%ج.م31.25ج.م23.45ج.م20.726
Aug ’25ج.م19.52
ج.م27.08
+38.70%
10.69%ج.م31.25ج.م23.46ج.م23.856
Jul ’25ج.م17.92
ج.م26.94
+50.37%
14.48%ج.م31.25ج.م20.38ج.م23.105
Jun ’25ج.م15.90
ج.م26.94
+69.44%
14.48%ج.م31.25ج.م20.38ج.م21.865
May ’25ج.م13.85
ج.م23.42
+69.07%
24.47%ج.م31.25ج.م13.58ج.م20.716
ج.م50.08
Fair Value
8.1% undervalued intrinsic discount
5
Number of Analysts

Analyst Forecast: Target price is less than 20% higher than the current share price.

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/05/17 23:44
End of Day Share Price 2026/05/17 00:00
Earnings2026/03/31
Annual Earnings2025/12/31

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.

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

Abu Dhabi Islamic Bank - Egypt - S.A.E is covered by 14 analysts. 5 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Hany AmerArab African International Securities
Heba MonirArab African International Securities
Jaap MeijerArqaam Capital Research Offshore S.A.L.