Dubai Islamic Bank PJSC (DFM:DIB) Cyclically Adjusted Book per Share: د.إ6.41 (As of Jun. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
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.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
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.

DFM:DIB Dubai Islamic Bank PJSC DFM:DIB
67 GF Score
Price د.إ7.46
GF Value د.إ7.49
Valuation Fairly Valued
! 3 Warning Signs
View Full Analysis

What is Dubai Islamic Bank PJSC Cyclically Adjusted Book per Share?

Dubai Islamic Bank PJSC DFM:DIB +1.63% 67 Cyclically Adjusted Book per Share is د.إ6.41 as of Jun. 2026. GuruFocus rates DFM:DIB with a GF Score™ of 67/100 and a GF Value™ of د.إ7.49 (Fairly Valued). The stock has 3 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.

Dubai Islamic Bank PJSC's adjusted book value per share for the three months ended in Jun. 2026 was د.إ7.006. 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.إ6.41 for the trailing ten years ended in Jun. 2026.

During the past 12 months, Dubai Islamic Bank PJSC's average Cyclically Adjusted Book Growth Rate was 5.10% per year. During the past 3 years, the average Cyclically Adjusted Book Growth Rate was 6.40% per year. During the past 5 years, the average Cyclically Adjusted Book Growth Rate was 9.20% 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 Dubai Islamic Bank PJSC was 12.20% per year. The lowest was -3.90% per year. And the median was 9.20% per year.

As of today (2026-07-24), Dubai Islamic Bank PJSC's current stock price is د.إ7.46. Dubai Islamic Bank PJSC's Cyclically Adjusted Book per Share for the quarter that ended in Jun. 2026 was د.إ6.41. Dubai Islamic Bank PJSC's Cyclically Adjusted PB Ratio of today is 1.16.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Dubai Islamic Bank PJSC was 1.86. The lowest was 0.86. And the median was 1.23.


Dubai Islamic Bank PJSC  (DFM:DIB) 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.

Dubai Islamic Bank PJSC's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=7.46/6.41
=1.16

* 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 Dubai Islamic Bank PJSC was 1.86. The lowest was 0.86. And the median was 1.23.


Be Aware

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


Dubai Islamic Bank PJSC Cyclically Adjusted Book per Share Related Terms


Dubai Islamic Bank PJSC Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for Dubai Islamic Bank PJSC'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.

Dubai Islamic Bank PJSC Cyclically Adjusted Book per Share Chart

Dubai Islamic Bank PJSC 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 4.54 5.13 5.52 5.91 6.18

Dubai Islamic Bank PJSC Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
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 6.10 6.17 6.18 6.34 6.41

Dubai Islamic Bank PJSC Cyclically Adjusted Book per Share Competitor Comparison

For the Banks - Regional subindustry, Dubai Islamic Bank PJSC'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.


Dubai Islamic Bank PJSC Cyclically Adjusted PB Ratio vs Banks Industry

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

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


DFM:DIB
67GF Score
Dubai Islamic Bank PJSC DFM:DIB
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Dubai Islamic Bank PJSC 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, Dubai Islamic Bank PJSC's adjusted Book Value per Share data for the three months ended in Jun. 2026 was:

Adj_Book= Book Value per Share /CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=7.006/333.9520*333.9520
=7.006

Current CPI (Jun. 2026) = 333.9520.

Dubai Islamic Bank PJSC Quarterly Data

Book Value per Share CPI Adj_Book
201609 4.315 241.428 5.969
201612 4.423 241.432 6.118
201703 4.175 243.801 5.719
201706 4.359 244.955 5.943
201709 4.522 246.819 6.118
201712 4.682 246.524 6.342
201803 4.247 249.554 5.683
201806 4.534 251.989 6.009
201809 4.662 252.439 6.167
201812 4.785 251.233 6.360
201903 4.456 254.202 5.854
201906 4.647 256.143 6.059
201909 4.794 256.759 6.235
201912 4.865 256.974 6.322
202003 4.911 258.115 6.354
202006 5.051 257.797 6.543
202009 5.162 260.280 6.623
202012 5.610 260.474 7.193
202103 5.004 264.877 6.309
202106 5.110 271.696 6.281
202109 5.269 274.310 6.415
202112 5.378 278.802 6.442
202203 5.289 287.504 6.143
202206 5.436 296.311 6.127
202209 5.603 296.808 6.304
202212 5.715 296.797 6.430
202303 5.582 301.836 6.176
202306 5.774 305.109 6.320
202309 5.979 307.789 6.487
202312 6.165 306.746 6.712
202403 5.916 312.332 6.326
202406 6.126 314.175 6.512
202409 6.368 315.301 6.745
202412 6.894 315.605 7.295
202503 6.286 319.799 6.564
202506 6.519 322.561 6.749
202509 6.739 324.800 6.929
202512 6.906 324.054 7.117
202603 7.130 330.213 7.211
202606 7.006 333.952 7.006

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.إ6.41 mean?
Dubai Islamic Bank PJSC (DFM:DIB) has a Cyclically Adjusted Book per Share of د.إ6.41 as of Jun. 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 Dubai Islamic Bank PJSC and its competitors.
Is Dubai Islamic Bank PJSC's Cyclically Adjusted Book per Share too high?
Dubai Islamic Bank PJSC's current Cyclically Adjusted Book per Share is د.إ6.41. Overall, Dubai Islamic Bank PJSC has a GF Score™ of 67/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Dubai Islamic Bank PJSC's Cyclically Adjusted Book per Share compare to competitors?
Dubai Islamic Bank PJSC's Cyclically Adjusted Book per Share of د.إ6.41 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 Dubai Islamic Bank PJSC and its competitors. Dubai Islamic Bank PJSC's current Cyclically Adjusted Book per Share is د.إ6.41. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Dubai Islamic Bank PJSC stock overvalued right now?
Based on GuruFocus' analysis, Dubai Islamic Bank PJSC (DFM:DIB) is currently considered Fairly Valued. The stock's GF Value™ is د.إ7.49, compared to a current price of د.إ7.46 — trading 0.4% below its estimated fair value. The current Cyclically Adjusted Book per Share is د.إ6.41. Dubai Islamic Bank PJSC's overall GF Score™ is 67/100 with 3 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 Dubai Islamic Bank PJSC (DFM:DIB), the current Cyclically Adjusted Book per Share is د.إ6.41 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 Dubai Islamic Bank PJSC (DFM:DIB) Overvalued in 2026?

Based on GuruFocus' analysis, Dubai Islamic Bank PJSC stock appears to be undervalued. The current stock price of د.إ7.46 is trading 0.4% below its estimated GF Value™ of د.إ7.49. GuruFocus considers Dubai Islamic Bank PJSC to be Fairly Valued.

Key valuation signals for DFM:DIB:

  • Cyclically Adjusted Book per Share: د.إ6.41
  • GF Value™: د.إ7.49 vs. price of د.إ7.46 (0.4% below fair value)
  • GF Score™: 67/100 with 3 warning signs

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


Dubai Islamic Bank PJSC Business Description

Address Building 2, Al Maktoum Road, P.O. Box 1080, Opposite DNATA, Deira, Dubai, ARE
Dubai Islamic Bank PJSC is a full-service Islamic bank engaged in corporate, retail, and investment banking activities. The majority of its financing and investment arrangements are made within the United Arab Emirates, a large portion of which are in consumer financing, real estate and contracting, consumer home finance, and services and manufacturing. The company's reportable segments include; Consumer banking, Corporate banking, Treasury, Real estate development, and Others. It generates a majority of its revenue from the Consumer Banking segment which includes handling individual customer's deposits, providing consumer Murabaha, Salam, home finance, Ijarah, Credit Cards and funds transfer facilities, priority banking, and wealth management.
67GF Score

Get the complete analysis for DFM:DIB

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

د.إ7.46
Price
د.إ7.49
GF Value