Dubai Islamic Bank P.J.S.C. (DIB.AE) stock analysis

In our weekly check, Dubai Islamic Bank P.J.S.C. is graded B (A to F). Of 25 checks on debt, profit, cash flow and trend: 17 pass, warnings: 2, red flags: 6.

About Dubai Islamic Bank P.J.S.C.

Dubai Islamic Bank P.J.S.C. is a Financial Services company (Banks - Regional), listed on DFM as DIB.AE.

What our checks show for DIB.AE

Red flags

• The gross margin fell by 20.3 points, to 79.7%: costs are rising faster than prices.
• Analysts expect revenue to shrink about 2.2% a year.
• The stock has fallen as much as 86% from a peak. Would you have held through that?
• Recovering from its deepest fall took about 16.1 years.
• Return on capital (ROCE) is only 2.1%.

Warning signs

• Analysts expect earnings per share to shrink about 0.6% a year.
• Analysts expect the net margin to shrink by 1.8 points from today's 47.1%.

Strengths

• Operating cash flow is 1.31x net profit: the profit arrives as real cash.
• Revenue grew 15% a year over the last 3 years.
• Earnings per share grew 12.6% a year over the last 3 years.
• Net profit grew 10.6% a year over the last 3 years.
• The company keeps 47.1% of its revenue as net profit.
• Free cash flow is 58% of revenue: cash for dividends, buybacks or growth.

Similar companies

NWG.L · FITB · 1050.SR · ACA.PA · KBC.BR · DB

Questions

What grade does Dubai Islamic Bank P.J.S.C. (DIB.AE) have?

In our weekly check, Dubai Islamic Bank P.J.S.C. is graded B (A to F). Of 25 checks on debt, profit, cash flow and trend: 17 pass, warnings: 2, red flags: 6. The grade is a risk check, not a buy or sell recommendation.

What are the main risks of DIB.AE stock?

This week's biggest flags for Dubai Islamic Bank P.J.S.C.: Gross margin falling, Weak revenue forecast, Deep past fall. In total 8 of 25 checks show a warning or a red flag.

What does Dubai Islamic Bank P.J.S.C. do?

Dubai Islamic Bank P.J.S.C. is a Financial Services company (Banks - Regional), listed on DFM as DIB.AE.

The grade is a risk check, not a price forecast, and not investment advice. In our 10-year test (S&P 500, 2016-2026), stocks we graded A or B fell more than 30% 2-3 times less often than D or F, without a lower average return.

Updated 2026-10-24

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