Sharjah Islamic Bank (ADX:SIB) Cyclically Adjusted FCF per Share: د.إ0.74 (As of Mar. 2026)


ADX:SIB Sharjah Islamic Bank ADX:SIB
71 GF Score
Price د.إ2.96
GF Value د.إ3.18
Valuation Fairly Valued
! 1 Warning Sign
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What is Sharjah Islamic Bank Cyclically Adjusted FCF per Share?

Sharjah Islamic Bank ADX:SIB +1.02% 71 Cyclically Adjusted FCF per Share is د.إ0.74 as of Mar. 2026. GuruFocus rates ADX:SIB with a GF Score™ of 71/100 and a GF Value™ of د.إ3.18 (Fairly Valued). The stock has 1 warning sign 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.

Sharjah Islamic Bank's adjusted free cash flow per share for the three months ended in Mar. 2026 was د.إ-1.485. 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.إ0.74 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Sharjah Islamic Bank's average Cyclically Adjusted FCF Growth Rate was -8.60% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was 19.90% per year. During the past 5 years, the average Cyclically Adjusted FCF Growth Rate was 23.80% 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 Sharjah Islamic Bank was 33.30% per year. The lowest was 19.90% per year. And the median was 22.70% per year.

As of today (2026-07-11), Sharjah Islamic Bank's current stock price is د.إ2.96. Sharjah Islamic Bank's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2026 was د.إ0.74. Sharjah Islamic Bank's Cyclically Adjusted Price-to-FCF of today is 4.00.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Sharjah Islamic Bank was 6.02. The lowest was 0.67. And the median was 3.38.


Sharjah Islamic Bank  (ADX:SIB) 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.

Sharjah 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
=2.96/0.74
=4.00

* 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 Sharjah Islamic Bank was 6.02. The lowest was 0.67. And the median was 3.38.


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.


Sharjah Islamic Bank Cyclically Adjusted FCF per Share Related Terms


Sharjah Islamic Bank Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for Sharjah 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.

Sharjah Islamic Bank Cyclically Adjusted FCF per Share Chart

Sharjah 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 0.48 0.51 0.71 0.86 0.88

Sharjah 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 0.81 0.98 0.85 0.88 0.74

Sharjah Islamic Bank Cyclically Adjusted FCF per Share Competitor Comparison

For the Banks - Regional subindustry, Sharjah 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.


Sharjah Islamic Bank Cyclically Adjusted Price-to-FCF vs Banks Industry

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

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


ADX:SIB
71GF Score
Sharjah Islamic Bank ADX:SIB
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Sharjah 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, Sharjah 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)
=-1.485/330.2130*330.2130
=-1.485

Current CPI (Mar. 2026) = 330.2130.

Sharjah Islamic Bank Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201606 0.547 241.018 0.749
201609 -0.153 241.428 -0.209
201612 -0.019 241.432 -0.026
201703 0.600 243.801 0.813
201706 0.122 244.955 0.164
201709 -0.231 246.819 -0.309
201712 -0.195 246.524 -0.261
201803 0.959 249.554 1.269
201806 -0.164 251.989 -0.215
201809 -0.001 252.439 -0.001
201812 -0.019 251.233 -0.025
201903 -0.108 254.202 -0.140
201906 0.366 256.143 0.472
201909 -0.784 256.759 -1.008
201912 0.649 256.974 0.834
202003 1.055 258.115 1.350
202006 0.656 257.797 0.840
202009 -0.614 260.280 -0.779
202012 -0.327 260.474 -0.415
202103 0.302 264.877 0.376
202106 0.136 271.696 0.165
202109 0.608 274.310 0.732
202112 0.361 278.802 0.428
202203 0.055 287.504 0.063
202206 0.597 296.311 0.665
202209 -1.093 296.808 -1.216
202212 0.687 296.797 0.764
202303 0.740 301.836 0.810
202306 -0.121 305.109 -0.131
202309 0.408 307.789 0.438
202312 0.422 306.746 0.454
202403 1.074 312.332 1.135
202406 1.780 314.175 1.871
202409 -1.590 315.301 -1.665
202412 1.005 315.605 1.052
202503 -1.241 319.799 -1.281
202506 1.318 322.561 1.349
202509 -1.208 324.800 -1.228
202512 0.955 324.054 0.973
202603 -1.485 330.213 -1.485

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.إ0.74 mean?
Sharjah Islamic Bank (ADX:SIB) has a Cyclically Adjusted FCF per Share of د.إ0.74 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 Sharjah Islamic Bank and its competitors.
Is Sharjah Islamic Bank's Cyclically Adjusted FCF per Share too high?
Sharjah Islamic Bank's current Cyclically Adjusted FCF per Share is د.إ0.74. Overall, Sharjah Islamic Bank has a GF Score™ of 71/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Sharjah Islamic Bank's Cyclically Adjusted FCF per Share compare to competitors?
Sharjah Islamic Bank's Cyclically Adjusted FCF per Share of د.إ0.74 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 Sharjah Islamic Bank and its competitors. Sharjah Islamic Bank's current Cyclically Adjusted FCF per Share is د.إ0.74. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sharjah Islamic Bank stock overvalued right now?
Based on GuruFocus' analysis, Sharjah Islamic Bank (ADX:SIB) is currently considered Fairly Valued. The stock's GF Value™ is د.إ3.18, compared to a current price of د.إ2.96 — trading 6.9% below its estimated fair value. The current Cyclically Adjusted FCF per Share is د.إ0.74. Sharjah Islamic Bank's overall GF Score™ is 71/100 with 1 warning sign 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 Sharjah Islamic Bank (ADX:SIB), the current Cyclically Adjusted FCF per Share is د.إ0.74 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 Sharjah Islamic Bank (ADX:SIB) Overvalued in 2026?

Based on GuruFocus' analysis, Sharjah Islamic Bank stock appears to be undervalued. The current stock price of د.إ2.96 is trading 6.9% below its estimated GF Value™ of د.إ3.18. GuruFocus considers Sharjah Islamic Bank to be Fairly Valued.

Key valuation signals for ADX:SIB:

  • Cyclically Adjusted FCF per Share: د.إ0.74
  • GF Value™: د.إ3.18 vs. price of د.إ2.96 (6.9% below fair value)
  • GF Score™: 71/100 with 1 warning sign

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


Sharjah Islamic Bank Business Description

Address Sharjah Islamic Bank Tower, P.O. Box 4, Al Khan, Sharjah, ARE
Sharjah Islamic Bank is engaged in providing banking activities, financing, and investing activities to corporates and individuals. The bank's activities comprise four main business segments: Government and corporate, Retail, Investment and treasury, and Hospitality, brokerage and real estate. The majority of its revenue is derived from the Government and corporate segment, in which the bank provides companies, institutions and government departments with a range of Islamic financial products and services.
71GF Score

Get the complete analysis for ADX:SIB

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

د.إ2.96
Price
د.إ3.18
GF Value