Is ADIB undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score
5/6
Valuation Score 5/6
Below Fair Value
Significantly Below Fair Value
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Analyst Forecast
Share Price vs Fair 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.
Discounted Cash Flow
Simply Wall St
ج.م91.37
Fair Value
56.1% undervalued intrinsic discount
6
Number of Analysts
Below Fair Value: ADIB (EGP40.12) is trading below our estimate of fair value (EGP91.37)
Significantly Below Fair Value: ADIB is trading below fair value by more than 20%.
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 Ratio
2.7x
Earnings
ج.م9.01b
Market Cap
ج.م24.07b
ADIB key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Price-To-Earnings vs Industry: ADIB is good value based on its Price-To-Earnings Ratio (2.7x) compared to the African Banks industry average (5.3x).
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 Ratio
2.7x
Fair PE Ratio
3.2x
Price-To-Earnings vs Fair Ratio: ADIB is good value based on its Price-To-Earnings Ratio (2.7x) compared to the estimated Fair Price-To-Earnings Ratio (3.2x).
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.
Date
Share Price
Average 1Y Price Target
Dispersion
High
Low
1Y Actual price
Analysts
Current
ج.م40.12
ج.م72.23
+80.0%
23.3%
ج.م85.00
ج.م46.90
n/a
6
Apr ’26
ج.م42.98
ج.م72.23
+68.1%
23.3%
ج.م85.00
ج.م46.90
n/a
6
Mar ’26
ج.م41.51
ج.م68.96
+66.1%
25.4%
ج.م85.00
ج.م46.90
n/a
7
Feb ’26
ج.م38.00
ج.م64.39
+69.4%
25.1%
ج.م84.60
ج.م46.90
n/a
7
Jan ’26
ج.م38.55
ج.م61.36
+59.2%
23.0%
ج.م84.60
ج.م46.90
n/a
7
Dec ’25
ج.م42.98
ج.م61.36
+42.8%
23.0%
ج.م84.60
ج.م46.90
n/a
7
Nov ’25
ج.م41.26
ج.م54.15
+31.2%
10.7%
ج.م62.50
ج.م46.90
n/a
6
Oct ’25
ج.م40.48
ج.م54.15
+33.8%
10.7%
ج.م62.50
ج.م46.90
n/a
6
Sep ’25
ج.م42.50
ج.م54.15
+27.4%
10.7%
ج.م62.50
ج.م46.90
n/a
6
Aug ’25
ج.م39.04
ج.م54.15
+38.7%
10.7%
ج.م62.50
ج.م46.92
n/a
6
Jul ’25
ج.م35.83
ج.م53.88
+50.4%
14.5%
ج.م62.50
ج.م40.75
n/a
5
Jun ’25
ج.م31.80
ج.م53.88
+69.4%
14.5%
ج.م62.50
ج.م40.75
n/a
5
May ’25
ج.م27.70
ج.م46.83
+69.1%
24.5%
ج.م62.50
ج.م27.17
ج.م41.42
6
Apr ’25
ج.م34.00
ج.م42.81
+25.9%
21.7%
ج.م56.17
ج.م27.17
ج.م42.98
6
Mar ’25
ج.م37.04
ج.م42.81
+15.6%
21.7%
ج.م56.17
ج.م27.17
ج.م41.51
6
Feb ’25
ج.م39.00
ج.م36.15
-7.3%
24.6%
ج.م51.17
ج.م24.29
ج.م38.00
6
Jan ’25
ج.م33.32
ج.م36.15
+8.5%
24.6%
ج.م51.17
ج.م24.29
ج.م38.55
6
Dec ’24
ج.م32.13
ج.م28.30
-11.9%
23.6%
ج.م38.33
ج.م18.33
ج.م42.98
6
Nov ’24
ج.م27.48
ج.م26.28
-4.4%
23.2%
ج.م38.33
ج.م18.33
ج.م41.26
6
Oct ’24
ج.م22.93
ج.م25.52
+11.3%
22.5%
ج.م38.33
ج.م18.33
ج.م40.48
7
Sep ’24
ج.م20.71
ج.م22.50
+8.7%
17.2%
ج.م26.50
ج.م14.41
ج.م42.50
8
Aug ’24
ج.م19.72
ج.م21.96
+11.4%
16.2%
ج.م25.83
ج.م14.41
ج.م39.04
8
Jul ’24
ج.م19.37
ج.م21.96
+13.4%
16.2%
ج.م25.83
ج.م14.41
ج.م35.83
8
Jun ’24
ج.م20.72
ج.م21.19
+2.3%
16.2%
ج.م25.83
ج.م14.41
ج.م31.80
8
May ’24
ج.م17.57
ج.م20.92
+19.1%
17.1%
ج.م25.83
ج.م14.41
ج.م27.70
7
AnalystConsensusTarget
Consensus Narrative from 6 Analysts
ج.م72.23
Fair Value
44.5% undervalued intrinsic discount
6
Number of Analysts
Analyst Forecast: Target price is more than 20% higher than the current share price, but analysts are not within a statistically confident range of agreement.
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Company Analysis and Financial Data Status
Data
Last Updated (UTC time)
Company Analysis
2025/05/06 15:49
End of Day Share Price
2025/05/06 00:00
Earnings
2024/12/31
Annual Earnings
2024/12/31
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.
* 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 13 analysts. 4 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.