Abu Dhabi Islamic Bank (ADX:ADIB) Cyclically Adjusted FCF per Share: د.إ1.43 (As of Mar. 2026)


ADX:ADIB Abu Dhabi Islamic Bank ADX:ADIB
65 GF Score
Price د.إ21.80
GF Value د.إ19.52
Valuation Modestly Overvalued
! 2 Warning Signs
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What is Abu Dhabi Islamic Bank Cyclically Adjusted FCF per Share?

Abu Dhabi Islamic Bank ADX:ADIB 65 Cyclically Adjusted FCF per Share is د.إ1.43 as of Mar. 2026. GuruFocus rates ADX:ADIB with a GF Score™ of 65/100 and a GF Value™ of د.إ19.52 (Modestly Overvalued). 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 FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

Abu Dhabi Islamic Bank's adjusted free cash flow per share for the three months ended in Mar. 2026 was د.إ-0.119. Add all the adjusted free cash flow per share for the past 10 years together and divide the count will get our Cyclically Adjusted FCF per Share, which is د.إ1.43 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Abu Dhabi Islamic Bank's average Cyclically Adjusted FCF Growth Rate was -6.50% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was 15.20% per year. During the past 5 years, the average Cyclically Adjusted FCF Growth Rate was 14.90% 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 FCF Growth Rate using Cyclically Adjusted FCF per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted FCF Growth Rate of Abu Dhabi Islamic Bank was 20.30% per year. The lowest was -6.70% per year. And the median was 6.30% per year.

As of today (2026-07-09), Abu Dhabi Islamic Bank's current stock price is د.إ21.80. Abu Dhabi Islamic Bank's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2026 was د.إ1.43. Abu Dhabi Islamic Bank's Cyclically Adjusted Price-to-FCF of today is 15.24.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Abu Dhabi Islamic Bank was 19.40. The lowest was 4.10. And the median was 7.75.


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

If a company grows much fast than inflation, Cyclically Adjusted FCF per Share may underestimate the company's free cash flow. Cyclically Adjusted Price-to-FCF can seem to be too high even the actual Price-to-Free-Cash-Flow is low.

For the Cyclically Adjusted Price-to-FCF, the free cash flow per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/FCF calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted Price-to-FCF is also called CAPFCF 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 Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

Abu Dhabi Islamic Bank's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=21.80/1.43
=15.24

* 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 Price-to-FCF of Abu Dhabi Islamic Bank was 19.40. The lowest was 4.10. And the median was 7.75.


Be Aware

Cyclically Adjusted Price-to-FCF works better for cyclical companies. It gives you a better idea on the company's real free cash flow value.


Abu Dhabi Islamic Bank Cyclically Adjusted FCF per Share Related Terms


Abu Dhabi Islamic Bank Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for Abu Dhabi Islamic Bank's Cyclically Adjusted FCF 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 FCF per Share Chart

Abu Dhabi Islamic Bank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.87 0.89 1.20 1.28 1.36

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 FCF 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 1.53 1.59 1.76 1.36 1.43

Abu Dhabi Islamic Bank Cyclically Adjusted FCF per Share Competitor Comparison

For the Banks - Regional subindustry, Abu Dhabi Islamic Bank's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF 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 Price-to-FCF vs Banks Industry

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

* The bar in red indicates where Abu Dhabi Islamic Bank's Cyclically Adjusted Price-to-FCF falls into.


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

Abu Dhabi Islamic Bank Cyclically Adjusted FCF 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 FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

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

Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow 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 FCF per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the free cash flow per share from 2001 through 2010.

We adjusted the 2001 free cash flow per share data with the total inflation from 2001 through 2010 to the equivalent free cash flow in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's free cash flow is $1 a share in 2001, then the 2001's equivalent free cash flow in 2010 is $1.4 a share. If Wal-Mart's free cash flow is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 free cash flow in 2010 is $1.35. So on and so forth, you get the equivalent free cash flow per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted FCF 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 Free Cash Flow per Share data for the three months ended in Mar. 2026 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=-0.119/330.2130*330.2130
=-0.119

Current CPI (Mar. 2026) = 330.2130.

Abu Dhabi Islamic Bank Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201606 0.443 241.018 0.607
201609 0.324 241.428 0.443
201612 0.259 241.432 0.354
201703 -0.104 243.801 -0.141
201706 0.443 244.955 0.597
201709 0.409 246.819 0.547
201712 1.057 246.524 1.416
201803 -0.340 249.554 -0.450
201806 -0.409 251.989 -0.536
201809 -0.423 252.439 -0.553
201812 0.779 251.233 1.024
201903 -0.328 254.202 -0.426
201906 0.287 256.143 0.370
201909 0.368 256.759 0.473
201912 -0.048 256.974 -0.062
202003 0.036 258.115 0.046
202006 0.724 257.797 0.927
202009 0.030 260.280 0.038
202012 -0.273 260.474 -0.346
202103 0.504 264.877 0.628
202106 -0.151 271.696 -0.184
202109 -0.834 274.310 -1.004
202112 0.676 278.802 0.801
202203 -1.470 287.504 -1.688
202206 2.684 296.311 2.991
202209 0.366 296.808 0.407
202212 0.027 296.797 0.030
202303 1.572 301.836 1.720
202306 0.922 305.109 0.998
202309 -0.497 307.789 -0.533
202312 1.445 306.746 1.556
202403 -0.654 312.332 -0.691
202406 1.716 314.175 1.804
202409 0.678 315.301 0.710
202412 0.142 315.605 0.149
202503 3.330 319.799 3.438
202506 0.485 322.561 0.497
202509 0.321 324.800 0.326
202512 -1.864 324.054 -1.899
202603 -0.119 330.213 -0.119

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

What does a Cyclically Adjusted FCF per Share of د.إ1.43 mean?
Abu Dhabi Islamic Bank (ADX:ADIB) has a Cyclically Adjusted FCF per Share of د.إ1.43 as of Mar. 2026. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF 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 FCF per Share too high?
Abu Dhabi Islamic Bank's current Cyclically Adjusted FCF per Share is د.إ1.43. Overall, Abu Dhabi Islamic Bank has a GF Score™ of 65/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Abu Dhabi Islamic Bank's Cyclically Adjusted FCF per Share compare to competitors?
Abu Dhabi Islamic Bank's Cyclically Adjusted FCF per Share of د.إ1.43 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 FCF per Share for a Banks company?
A good Cyclically Adjusted FCF per Share depends on the Banks industry context. However, Cyclically Adjusted FCF 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 FCF per Share mean?
A high Cyclically Adjusted FCF per Share can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF 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 FCF per Share is د.إ1.43. 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 Modestly Overvalued. The stock's GF Value™ is د.إ19.52, compared to a current price of د.إ21.80 — trading 11.7% above its estimated fair value. The current Cyclically Adjusted FCF per Share is د.إ1.43. 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 FCF per Share calculated?
Cyclically Adjusted FCF per Share is calculated from a company's financial statements. For Abu Dhabi Islamic Bank (ADX:ADIB), the current Cyclically Adjusted FCF per Share is د.إ1.43 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.إ21.80 is trading 11.7% above its estimated GF Value™ of د.إ19.52. GuruFocus considers Abu Dhabi Islamic Bank to be Modestly Overvalued.

Key valuation signals for ADX:ADIB:

  • Cyclically Adjusted FCF per Share: د.إ1.43
  • GF Value™: د.إ19.52 vs. price of د.إ21.80 (11.7% 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 FCF per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

د.إ21.80
Price
د.إ19.52
GF Value