Abu Dhabi Islamic Bank (ADX:ADIB) Cyclically Adjusted Book per Share: د.إ6.78 (As of Mar. 2026)


ADX:ADIB Abu Dhabi Islamic Bank ADX:ADIB
65 GF Score
Price د.إ20.68
GF Value د.إ19.51
Valuation Fairly Valued
! 2 Warning Signs
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What is Abu Dhabi Islamic Bank Cyclically Adjusted Book per Share?

Abu Dhabi Islamic Bank ADX:ADIB -0.29% 65 Cyclically Adjusted Book per Share is د.إ6.78 as of Mar. 2026. GuruFocus rates ADX:ADIB with a GF Score™ of 65/100 and a GF Value™ of د.إ19.51 (Fairly Valued). The stock has 2 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

Abu Dhabi Islamic Bank's adjusted book value per share for the three months ended in Mar. 2026 was د.إ7.880. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is د.إ6.78 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Abu Dhabi Islamic Bank's average Cyclically Adjusted Book Growth Rate was 6.40% per year. During the past 3 years, the average Cyclically Adjusted Book Growth Rate was 5.70% per year. During the past 5 years, the average Cyclically Adjusted Book Growth Rate was 7.50% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Book Growth Rate using Cyclically Adjusted Book per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Book Growth Rate of Abu Dhabi Islamic Bank was 9.50% per year. The lowest was -10.10% per year. And the median was 6.90% per year.

As of today (2026-07-01), Abu Dhabi Islamic Bank's current stock price is د.إ20.68. Abu Dhabi Islamic Bank's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2026 was د.إ6.78. Abu Dhabi Islamic Bank's Cyclically Adjusted PB Ratio of today is 3.05.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Abu Dhabi Islamic Bank was 3.99. The lowest was 0.57. And the median was 1.29.


Abu Dhabi Islamic Bank  (ADX:ADIB) Cyclically Adjusted Book per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Book per Share may underestimate the company's equity. Cyclically Adjusted PB Ratio can seem to be too high even the actual PB Ratio is low.

For the Cyclically Adjusted PB Ratio, the book value of the past 10 years are inflation-adjusted and averaged. The result is used for P/B calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PB Ratio is also called CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

Abu Dhabi Islamic Bank's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=20.68/6.78
=3.05

* 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.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Abu Dhabi Islamic Bank was 3.99. The lowest was 0.57. And the median was 1.29.


Be Aware

Cyclically Adjusted PB Ratio works better for cyclical companies. It gives you a better idea on the company's real book value.


Abu Dhabi Islamic Bank Cyclically Adjusted Book per Share Related Terms


Abu Dhabi Islamic Bank Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for Abu Dhabi Islamic Bank's Cyclically Adjusted Book per Share can be seen below:

* 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.

Abu Dhabi Islamic Bank Cyclically Adjusted Book per Share Chart

Abu Dhabi Islamic Bank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Book per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 5.12 5.60 5.92 6.25 6.61

Abu Dhabi Islamic Bank Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted Book per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 6.37 6.47 6.57 6.61 6.78

Abu Dhabi Islamic Bank Cyclically Adjusted Book per Share Competitor Comparison

For the Banks - Regional subindustry, Abu Dhabi Islamic Bank's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio 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.


Abu Dhabi Islamic Bank Cyclically Adjusted PB Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Abu Dhabi Islamic Bank's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where Abu Dhabi Islamic Bank's Cyclically Adjusted PB Ratio falls into.


ADX:ADIB
65GF Score
Abu Dhabi Islamic Bank ADX:ADIB
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Abu Dhabi Islamic Bank Cyclically Adjusted Book per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

What is Cyclically Adjusted Book per Share? How do we calculate Cyclically Adjusted Book per Share?

Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Book per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the book value per share from 2001 through 2010.

We adjusted the 2001 book value per share data with the total inflation from 2001 through 2010 to the equivalent book value in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's book value is $1 a share in 2001, then the 2001's equivalent book value in 2010 is $1.4 a share. If Wal-Mart's book value is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 book value in 2010 is $1.35. So on and so forth, you get the equivalent book value per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Abu Dhabi Islamic Bank's adjusted Book Value per Share data for the three months ended in Mar. 2026 was:

Adj_Book= Book Value per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=7.88/330.2130*330.2130
=7.880

Current CPI (Mar. 2026) = 330.2130.

Abu Dhabi Islamic Bank Quarterly Data

Book Value per Share CPI Adj_Book
201606 4.470 241.018 6.124
201609 4.622 241.428 6.322
201612 4.582 241.432 6.267
201703 4.743 243.801 6.424
201706 4.618 244.955 6.225
201709 4.785 246.819 6.402
201712 4.913 246.524 6.581
201803 4.780 249.554 6.325
201806 4.903 251.989 6.425
201809 4.799 252.439 6.278
201812 4.880 251.233 6.414
201903 4.741 254.202 6.159
201906 4.909 256.143 6.329
201909 5.058 256.759 6.505
201912 5.257 256.974 6.755
202003 5.000 258.115 6.397
202006 5.094 257.797 6.525
202009 5.220 260.280 6.623
202012 5.273 260.474 6.685
202103 5.458 264.877 6.804
202106 5.376 271.696 6.534
202109 5.484 274.310 6.602
202112 5.657 278.802 6.700
202203 5.472 287.504 6.285
202206 5.615 296.311 6.257
202209 5.826 296.808 6.482
202212 6.190 296.797 6.887
202303 5.894 301.836 6.448
202306 6.195 305.109 6.705
202309 6.520 307.789 6.995
202312 6.919 306.746 7.448
202403 6.391 312.332 6.757
202406 6.776 314.175 7.122
202409 7.195 315.301 7.535
202412 7.529 315.605 7.877
202503 7.119 319.799 7.351
202506 7.575 322.561 7.755
202509 8.042 324.800 8.176
202512 8.486 324.054 8.647
202603 7.880 330.213 7.880

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

What does a Cyclically Adjusted Book per Share of د.إ6.78 mean?
Abu Dhabi Islamic Bank (ADX:ADIB) has a Cyclically Adjusted Book per Share of د.إ6.78 as of Mar. 2026. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Abu Dhabi Islamic Bank and its competitors.
Is Abu Dhabi Islamic Bank's Cyclically Adjusted Book per Share too high?
Abu Dhabi Islamic Bank's current Cyclically Adjusted Book per Share is د.إ6.78. Overall, Abu Dhabi Islamic Bank has a GF Score™ of 65/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Abu Dhabi Islamic Bank's Cyclically Adjusted Book per Share compare to competitors?
Abu Dhabi Islamic Bank's Cyclically Adjusted Book per Share of د.إ6.78 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted Book per Share for a Banks company?
A good Cyclically Adjusted Book per Share depends on the Banks industry context. However, Cyclically Adjusted Book per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted Book per Share mean?
A high Cyclically Adjusted Book per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Abu Dhabi Islamic Bank and its competitors. Abu Dhabi Islamic Bank's current Cyclically Adjusted Book per Share is د.إ6.78. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Abu Dhabi Islamic Bank stock overvalued right now?
Based on GuruFocus' analysis, Abu Dhabi Islamic Bank (ADX:ADIB) is currently considered Fairly Valued. The stock's GF Value™ is د.إ19.51, compared to a current price of د.إ20.68 — trading 6% above its estimated fair value. The current Cyclically Adjusted Book per Share is د.إ6.78. Abu Dhabi Islamic Bank's overall GF Score™ is 65/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Book per Share calculated?
Cyclically Adjusted Book per Share is calculated from a company's financial statements. For Abu Dhabi Islamic Bank (ADX:ADIB), the current Cyclically Adjusted Book per Share is د.إ6.78 as of Mar. 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 Abu Dhabi Islamic Bank (ADX:ADIB) Overvalued in 2026?

Based on GuruFocus' analysis, Abu Dhabi Islamic Bank stock appears to be overvalued. The current stock price of د.إ20.68 is trading 6% above its estimated GF Value™ of د.إ19.51. GuruFocus considers Abu Dhabi Islamic Bank to be Fairly Valued.

Key valuation signals for ADX:ADIB:

  • Cyclically Adjusted Book per Share: د.إ6.78
  • GF Value™: د.إ19.51 vs. price of د.إ20.68 (6% above fair value)
  • GF Score™: 65/100 with 2 warning signs

No single metric tells the full story. See the ADX:ADIB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Abu Dhabi Islamic Bank Business Description

Address Sheikh Rashid Bin Saeed Street, Old Airport Road, opposite to Millennium Al Rawdah Hotel, Abu Dhabi, ARE
Abu Dhabi Islamic Bank is a banking corporation based in the United Arab Emirates. The bank is one of the regional Islamic services groups having a presence in countries like United Kingdoms, Iraq, Saudi Arabia, and Qatar and generates its revenues from its foreign operations. The activities of the bank like banking, financing, and investing are the pillars of its business. The banking and financing services comprise regional banking operations such as retail banking and its investing business includes capital market operations. The company conducts its operations through retail banking, which is its main revenue generator, wholesale banking, treasury, and other segments.
65GF Score

Get the complete analysis for ADX:ADIB

Cyclically Adjusted Book per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

د.إ20.68
Price
د.إ19.51
GF Value