Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Emirates Islamic Bank PJSC's cash to debt ratio for the quarter that ended in Jun. 2026 was 2.68.
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. Here we can see, Emirates Islamic Bank PJSCcould pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for Emirates Islamic Bank PJSC's Cash-to-Debt or its related term are showing as below:
DFM:EIB'
s Cash-to-Debt Range Over the Past 10 Years
Min: 2.43 Med: 4.13 Max: 10.03
Current: 2.68
During the past 13 years, Emirates Islamic Bank PJSC's highest Cash to Debt Ratio was 10.03. The lowest was 2.43. And the median was 4.13.
DFM:EIB's Cash-to-Debt is not ranked
in the Banks industry.
Industry Median: 1.38
vs DFM:EIB: 2.68
Emirates Islamic Bank PJSC (DFM:EIB) Cash-to-Debt Explanation
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
Emirates Islamic Bank PJSC Cash-to-Debt Related Terms
Emirates Islamic Bank PJSC Cash-to-Debt Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
Emirates Islamic Bank PJSC Cash-to-Debt Competitor Comparison
For the Banks - Regional subindustry, Emirates Islamic Bank PJSC's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Emirates Islamic Bank PJSC Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, Emirates Islamic Bank PJSC's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Emirates Islamic Bank PJSC's Cash-to-Debt falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Emirates Islamic Bank PJSC (DFM:EIB) has a Cash-to-Debt of 2.68 as of Jun. 2026. This is 35% below median its historical median of 4.13. Over the past decade, Emirates Islamic Bank PJSC's Cash-to-Debt has ranged from 2.43 to 10.03.
Is Emirates Islamic Bank PJSC's Cash-to-Debt too high?
Emirates Islamic Bank PJSC's current Cash-to-Debt of 2.68 is 35% below median its 10-year median of 4.13. Over the past 10 years, this metric has ranged from a low of 2.43 to a high of 10.03. The Banks industry median Cash-to-Debt is 1.38. Emirates Islamic Bank PJSC's value of 2.68 is 94.2% above this industry median. Overall, Emirates Islamic Bank PJSC has a GF Score™ of 14/100, reflecting its overall financial health beyond just this single metric.
How does Emirates Islamic Bank PJSC's Cash-to-Debt compare to competitors?
Emirates Islamic Bank PJSC's Cash-to-Debt of 2.68 can be compared against companies in the Banks industry. The industry median Cash-to-Debt is 1.38. Emirates Islamic Bank PJSC's value of 2.68 is 94.2% above this benchmark. Historically, Emirates Islamic Bank PJSC's own Cash-to-Debt has ranged from 2.43 to 10.03 over the past decade. While the company's 10-year median is 4.13 vs. the industry median of 1.38, Emirates Islamic Bank PJSC has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash-to-Debt for a Banks company?
The median Cash-to-Debt among Banks companies is 1.38, based on 1,490 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Emirates Islamic Bank PJSC's current Cash-to-Debt of 2.68 is 94.2% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median Cash-to-Debt is 1.38 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Emirates Islamic Bank PJSC's current Cash-to-Debt is 2.68, which is 35% below median its own 10-year median of 4.13. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Emirates Islamic Bank PJSC stock overvalued right now?
Emirates Islamic Bank PJSC (DFM:EIB) has a current Cash-to-Debt of 2.68. The stock's GF Value™ is د.إ10.81, compared to a current price of د.إ10.85 — trading 0.4% above its estimated fair value. The current Cash-to-Debt is 2.68, which is 35% below median its 10-year median of 4.13 and 94.2% above the Banks industry median of 1.38. Emirates Islamic Bank PJSC's overall GF Score™ is 14/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For Emirates Islamic Bank PJSC (DFM:EIB), the current Cash-to-Debt is 2.68 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Emirates Islamic Bank PJSC (DFM:EIB) Overvalued in 2026?
Based on GuruFocus' analysis, Emirates Islamic Bank PJSC stock appears to be overvalued.
The current stock price of د.إ10.85 is trading 0.4% above its estimated GF Value™ of د.إ10.81.
Key valuation signals for DFM:EIB:
Cash-to-Debt: 2.68 (35% below median its 10-year median of 4.13)
GF Value™: د.إ10.81 vs. price of د.إ10.85 (0.4% above fair value)
No single metric tells the full story. See the DFM:EIB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Emirates Islamic Bank PJSC provides full commercial and banking services and offers various products through Islamic financing and investing instruments following Islamic Sharia. The group's activities comprise three business segments: Corporate and institutional banking, Retail banking and wealth management, Treasury, and Others. Substantial revenue is generated from Retail banking and wealth management segment.
14GF Score
Get the complete analysis for DFM:EIB
Cash-to-Debt is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
DFM:EIB has been successfully added to your 
