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Dubai Islamic Bank P.J.S.C. (DIB.AE)
Dubai, AE
Dubai Islamic Bank P.J.S.C., along with its subsidiaries, delivers a comprehensive array of corporate, retail, and investment banking services both within the United Arab Emirates and globally. Its diverse operations are structured into five main divisions: Consumer Banking, Corporate Banking, Treasury, Real Estate Development, and Others. The Consumer Banking segment handles deposits and offers various personal financial products such as consumer murabahas, salam, home finance, ijarah, credit cards, and fund transfer facilities, in addition to specialized priority banking and wealth management solutions. For corporate and institutional clients, the Corporate Banking segment provides current accounts, deposit services, cash and risk management products, and a range of financing and credit facilities. The Treasury segment is responsible for managing the bank's treasury functions. Engaging in property development and a variety of real estate investment initiatives is the purview of the Real Estate Development segment. Lastly, the "Other" segment encompasses investment banking services. The bank further extends its services to include brokerage, Islamic finance advisory, labor services, property management, outsourcing, marketing, consultancy, printing, investment, and vehicle trading services. Founded in 1975, Dubai Islamic Bank P.J.S.C. is headquartered in Dubai, United Arab Emirates.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +0.00% | -0.27% | +3.64% | -10.84% | -19.30% | -20.17% | -10.30% | +40.42% | +53.85% | +59.83% | +7.87% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 2 | 0 |
| Buy | 3 | 0 |
| Hold | 9 | 0 |
| Sell | 1 | 0 |
| Strong Sell | 0 | 0 |
-
Revenue growth+2.5% Q1'26: +12.6% (vs Q1'25)
-
EPS growth-5.8% Q1'26: +4.3% (vs Q1'25)
-
FCF margin— Q1'26: +276.2% (vs Q1'25)
-
EBIT margin— Q1'26: +61.5% (vs Q1'25)
-
ROIC— Q1'26: +156.1% (vs Q1'25)
-
Share dilution+0.0% Q1'26: +0.0% (vs Q1'25)
-
Debt / EBITDA— Q1'26: 2.31× (vs Q1'25)
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
| Metric |
Dec 2015 actual |
Dec 2016 actual |
Dec 2017 actual |
Dec 2018 actual |
Dec 2019 actual |
Dec 2020 actual |
Dec 2021 actual |
Dec 2022 actual |
Dec 2023 actual |
Dec 2024 actual |
Dec 2025 actual |
Dec 2026 6 Rev. Ana. 6 EPS Ana. |
Dec 2027 7 Rev. Ana. 8 EPS Ana. |
Dec 2028 6 Rev. Ana. 4 EPS Ana. |
Dec 2029 5 Rev. Ana. 2 EPS Ana. |
Dec 2030 3 Rev. Ana. 2 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
6.20B
est: 6.41B (-3.2%)
|
6.54B
est: 6.55B (-0.1%)
|
7.56B
est: 7.44B (+1.6%)
|
8.06B
est: 8.03B (+0.5%)
|
9.21B
est: 8.93B (+3.1%)
|
9.45B
est: 9.08B (+4.0%)
|
9.29B
est: 9.47B (-1.9%)
|
10.34B
est: 10.20B (+1.4%)
|
11.45B
est: 10.87B (+5.4%)
|
12.27B
est: 11.99B (+2.3%)
|
12.58B
est: 12.98B (-3.1%)
|
13.69B
13.39B – 13.93B
+5.5% YoY
|
14.30B
13.36B – 15.62B
+4.5% YoY
|
15.47B
15.28B – 15.66B
+8.2% YoY
|
16.82B
16.08B – 17.76B
+8.8% YoY
|
18.86B
18.03B – 19.92B
+12.1% YoY
|
| EBITDA |
4.01B
est: 2.67B (+50.0%)
|
4.23B
est: 2.73B (+54.8%)
|
4.69B
est: 3.10B (+51.2%)
|
5.18B
est: 3.35B (+54.7%)
|
5.28B
est: 3.72B (+41.9%)
|
3.46B
est: 3.79B (-8.5%)
|
4.69B
est: 3.95B (+18.8%)
|
5.88B
est: 4.25B (+38.3%)
|
7.38B
est: 5.34B (+38.3%)
|
—
est: 5.89B (-100.0%)
|
9.26B
est: 6.37B (+45.4%)
|
6.72B
6.57B – 6.84B
+5.5% YoY
|
7.02B
6.56B – 7.67B
+4.5% YoY
|
7.59B
7.50B – 7.69B
+8.2% YoY
|
8.26B
7.89B – 8.72B
+8.8% YoY
|
9.26B
8.85B – 9.78B
+12.1% YoY
|
| EBIT |
3.86B
est: 2.51B (+53.4%)
|
4.07B
est: 2.57B (+58.4%)
|
4.53B
est: 2.92B (+55.1%)
|
5.05B
est: 3.15B (+60.3%)
|
5.14B
est: 3.50B (+46.9%)
|
3.21B
est: 3.56B (-10.0%)
|
4.44B
est: 3.72B (+19.6%)
|
5.63B
est: 4.00B (+40.8%)
|
7.11B
est: 5.08B (+39.9%)
|
-265.36M
est: 5.61B (-104.7%)
|
9.00B
est: 6.07B (+48.3%)
|
6.40B
6.26B – 6.51B
+5.5% YoY
|
6.69B
6.25B – 7.30B
+4.5% YoY
|
7.23B
7.14B – 7.32B
+8.2% YoY
|
7.87B
7.52B – 8.30B
+8.8% YoY
|
8.82B
8.43B – 9.31B
+12.1% YoY
|
| Net Income |
3.56B
est: 4.99B (-28.7%)
|
3.60B
est: 4.12B (-12.6%)
|
4.32B
est: 4.78B (-9.6%)
|
4.92B
est: 4.89B (+0.5%)
|
5.01B
est: 5.10B (-1.7%)
|
3.29B
est: 3.31B (-0.4%)
|
4.39B
est: 3.63B (+21.1%)
|
5.47B
est: 4.89B (+11.9%)
|
6.80B
est: 6.59B (+3.1%)
|
7.93B
est: 6.52B (+21.6%)
|
7.50B
est: 7.13B (+5.2%)
|
6.71B
5.98B – 7.02B
-5.9% YoY
|
7.26B
6.22B – 7.52B
+8.3% YoY
|
7.75B
6.73B – 7.88B
+6.7% YoY
|
7.88B
7.42B – 8.45B
+1.7% YoY
|
8.82B
8.31B – 9.46B
+11.9% YoY
|
| SGA |
373.17M
est: 434.86M (-14.2%)
|
357.02M
est: 444.69M (-19.7%)
|
381.11M
est: 505.09M (-24.5%)
|
607.80M
est: 544.68M (+11.6%)
|
632.39M
est: 605.80M (+4.4%)
|
599.80M
est: 616.36M (-2.7%)
|
586.77M
est: 642.71M (-8.7%)
|
675.92M
est: 692.00M (-2.3%)
|
915.47M
est: 743.81M (+23.1%)
|
825.83M
est: 820.89M (+0.6%)
|
835.40M
est: 888.34M (-6.0%)
|
936.89M
916.25M – 953.08M
+5.5% YoY
|
978.79M
914.51M – 1.07B
+4.5% YoY
|
1.06B
1.05B – 1.07B
+8.2% YoY
|
1.15B
1.10B – 1.22B
+8.8% YoY
|
1.29B
1.23B – 1.36B
+12.1% YoY
|
| EPS |
0.65
est: 0.69 (-5.8%)
|
0.60
est: 0.57 (+5.3%)
|
0.61
est: 0.66 (-7.8%)
|
0.80
est: 0.68 (+18.2%)
|
0.69
est: 0.71 (-2.2%)
|
0.38
est: 0.46 (-16.9%)
|
0.53
est: 0.50 (+5.6%)
|
0.70
est: 0.68 (+3.4%)
|
0.88
est: 0.91 (-3.5%)
|
1.04
est: 0.90 (+16.1%)
|
0.98
est: 0.98 (-0.3%)
|
0.91
0.83 – 0.97
-7.8% YoY
|
0.94
0.86 – 1.04
+3.6% YoY
|
1.03
0.93 – 1.09
+9.4% YoY
|
1.09
1.03 – 1.17
+6.1% YoY
|
1.22
1.15 – 1.31
+11.9% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-25 | A- | 4/5 | 5/5 | 4/5 | 4/5 | 2/5 | 3/5 | 3/5 |
| 2026-05-22 | A- | 4/5 | 5/5 | 4/5 | 4/5 | 2/5 | 3/5 | 3/5 |
| 2026-05-21 | A- | 4/5 | 5/5 | 4/5 | 4/5 | 2/5 | 3/5 | 3/5 |
| 2026-05-20 | A- | 4/5 | 5/5 | 4/5 | 4/5 | 2/5 | 3/5 | 3/5 |
| 2026-05-19 | A- | 4/5 | 5/5 | 4/5 | 4/5 | 2/5 | 3/5 | 3/5 |
| 2026-05-18 | A- | 4/5 | 5/5 | 4/5 | 4/5 | 2/5 | 3/5 | 3/5 |
| 2026-05-15 | A | 4/5 | 5/5 | 4/5 | 4/5 | 2/5 | 4/5 | 3/5 |
| 2026-05-14 | A | 4/5 | 5/5 | 4/5 | 4/5 | 2/5 | 4/5 | 3/5 |
| 2026-05-13 | A | 4/5 | 5/5 | 4/5 | 4/5 | 2/5 | 4/5 | 3/5 |
| 2026-05-12 | A | 4/5 | 5/5 | 4/5 | 4/5 | 2/5 | 4/5 | 3/5 |
| 2026-05-11 | A | 4/5 | 5/5 | 4/5 | 4/5 | 2/5 | 4/5 | 3/5 |
| 2026-05-08 | A | 4/5 | 5/5 | 4/5 | 4/5 | 2/5 | 4/5 | 3/5 |
| 2026-05-07 | A | 4/5 | 5/5 | 4/5 | 4/5 | 2/5 | 4/5 | 3/5 |
| 2026-05-06 | A | 4/5 | 5/5 | 4/5 | 4/5 | 2/5 | 4/5 | 3/5 |
| 2026-05-05 | A | 4/5 | 5/5 | 4/5 | 5/5 | 2/5 | 4/5 | 3/5 |
| 2026-05-04 | A | 4/5 | 5/5 | 4/5 | 5/5 | 2/5 | 4/5 | 3/5 |
| 2026-05-01 | A | 4/5 | 5/5 | 4/5 | 5/5 | 2/5 | 4/5 | 3/5 |
| 2026-04-30 | A | 4/5 | 5/5 | 4/5 | 5/5 | 2/5 | 4/5 | 3/5 |
| 2026-04-29 | A- | 4/5 | 5/5 | 4/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-04-28 | A- | 4/5 | 5/5 | 4/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-04-27 | A- | 4/5 | 5/5 | 4/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-04-24 | A- | 4/5 | 5/5 | 4/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-04-23 | A | 4/5 | 5/5 | 5/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-04-22 | A | 4/5 | 5/5 | 5/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-04-21 | A- | 4/5 | 5/5 | 4/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-04-20 | A- | 4/5 | 5/5 | 4/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-04-17 | A | 4/5 | 5/5 | 4/5 | 5/5 | 2/5 | 3/5 | 3/5 |
| 2026-04-16 | A | 4/5 | 5/5 | 4/5 | 5/5 | 2/5 | 3/5 | 3/5 |
| 2026-04-15 | A | 4/5 | 5/5 | 4/5 | 5/5 | 2/5 | 4/5 | 3/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Abdul Waheed Rathore | Group Chief Compliance Officer | — | male |
| Adnan Abdus Shakoor Chilwan | Group Chief Executive Officer | — | — |
| John Macedo | Chief Financial Officer | — | male |
| Kashif Moosa | Head of Investor Relations & Strategic Communications | — | male |
| Mohamed S. Al Sharif | Chief of International Business & Real Estate Investments | — | male |
| Nagaraj Ramakrishnan | Chief Credit Officer | — | male |
| Obaid Khalifa Muhammed Rashid Al Shamsi | Chief Operating Officer | — | male |
| Sanjay Malhotra | Chief of Consumer Banking Officer | — | male |
| Syed Naveed Ali Hussain Ali | Chief of Corporate Banking | — | male |
| Varun Sood | Chief Transformation Officer | — | male |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for DIB.AE
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
