Dubai Islamic Bank PJSC (DFM:DIB) Cyclically Adjusted FCF per Share: د.إ1.14 (As of Mar. 2026)


DFM:DIB Dubai Islamic Bank PJSC DFM:DIB
67 GF Score
Price د.إ7.59
GF Value د.إ7.44
Valuation Fairly Valued
! 4 Warning Signs
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What is Dubai Islamic Bank PJSC Cyclically Adjusted FCF per Share?

Dubai Islamic Bank PJSC DFM:DIB +1.88% 67 Cyclically Adjusted FCF per Share is د.إ1.14 as of Mar. 2026. GuruFocus rates DFM:DIB with a GF Score™ of 67/100 and a GF Value™ of د.إ7.44 (Fairly Valued). The stock has 4 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.

Dubai Islamic Bank PJSC's adjusted free cash flow per share for the three months ended in Mar. 2026 was د.إ1.321. 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.إ1.14 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Dubai Islamic Bank PJSC's average Cyclically Adjusted FCF Growth Rate was 5.60% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was 13.30% per year. During the past 5 years, the average Cyclically Adjusted FCF Growth Rate was 13.90% 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 Dubai Islamic Bank PJSC was 17.70% per year. The lowest was 3.70% per year. And the median was 9.80% per year.

As of today (2026-07-02), Dubai Islamic Bank PJSC's current stock price is د.إ7.59. Dubai Islamic Bank PJSC's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2026 was د.إ1.14. Dubai Islamic Bank PJSC's Cyclically Adjusted Price-to-FCF of today is 6.66.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Dubai Islamic Bank PJSC was 13.08. The lowest was 5.06. And the median was 7.61.


Dubai Islamic Bank PJSC  (DFM:DIB) 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.

Dubai Islamic Bank PJSC's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=7.59/1.14
=6.66

* 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 Dubai Islamic Bank PJSC was 13.08. The lowest was 5.06. And the median was 7.61.


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.


Dubai Islamic Bank PJSC Cyclically Adjusted FCF per Share Related Terms


Dubai Islamic Bank PJSC Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for Dubai Islamic Bank PJSC'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.

Dubai Islamic Bank PJSC Cyclically Adjusted FCF per Share Chart

Dubai Islamic Bank PJSC 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 0.70 0.86 0.90 1.14 1.25

Dubai Islamic Bank PJSC 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 1.08 1.15 1.41 1.25 1.14

Dubai Islamic Bank PJSC Cyclically Adjusted FCF per Share Competitor Comparison

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


Dubai Islamic Bank PJSC Cyclically Adjusted Price-to-FCF vs Banks Industry

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

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


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

Dubai Islamic Bank PJSC 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, Dubai Islamic Bank PJSC'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)
=1.321/330.2130*330.2130
=1.321

Current CPI (Mar. 2026) = 330.2130.

Dubai Islamic Bank PJSC Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201606 -0.153 241.018 -0.210
201609 -0.447 241.428 -0.611
201612 -0.834 241.432 -1.141
201703 1.477 243.801 2.001
201706 -0.008 244.955 -0.011
201709 -0.052 246.819 -0.070
201712 0.070 246.524 0.094
201803 0.190 249.554 0.251
201806 -0.402 251.989 -0.527
201809 1.306 252.439 1.708
201812 -0.477 251.233 -0.627
201903 0.196 254.202 0.255
201906 -1.085 256.143 -1.399
201909 0.812 256.759 1.044
201912 0.307 256.974 0.394
202003 0.188 258.115 0.241
202006 -0.420 257.797 -0.538
202009 1.578 260.280 2.002
202012 -1.485 260.474 -1.883
202103 0.983 264.877 1.225
202106 0.052 271.696 0.063
202109 0.237 274.310 0.285
202112 -0.476 278.802 -0.564
202203 -0.043 287.504 -0.049
202206 -0.685 296.311 -0.763
202209 -0.608 296.808 -0.676
202212 2.320 296.797 2.581
202303 0.720 301.836 0.788
202306 1.107 305.109 1.198
202309 0.352 307.789 0.378
202312 0.580 306.746 0.624
202403 1.585 312.332 1.676
202406 -0.447 314.175 -0.470
202409 -0.264 315.301 -0.276
202412 1.200 315.605 1.256
202503 1.246 319.799 1.287
202506 0.150 322.561 0.154
202509 1.145 324.800 1.164
202512 -0.797 324.054 -0.812
202603 1.321 330.213 1.321

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.إ1.14 mean?
Dubai Islamic Bank PJSC (DFM:DIB) has a Cyclically Adjusted FCF per Share of د.إ1.14 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 Dubai Islamic Bank PJSC and its competitors.
Is Dubai Islamic Bank PJSC's Cyclically Adjusted FCF per Share too high?
Dubai Islamic Bank PJSC's current Cyclically Adjusted FCF per Share is د.إ1.14. 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 FCF per Share compare to competitors?
Dubai Islamic Bank PJSC's Cyclically Adjusted FCF per Share of د.إ1.14 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 Dubai Islamic Bank PJSC and its competitors. Dubai Islamic Bank PJSC's current Cyclically Adjusted FCF per Share is د.إ1.14. 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.إ7.44, compared to a current price of د.إ7.59 — trading 2% above its estimated fair value. The current Cyclically Adjusted FCF per Share is د.إ1.14. Dubai Islamic Bank PJSC's overall GF Score™ is 67/100 with 4 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 Dubai Islamic Bank PJSC (DFM:DIB), the current Cyclically Adjusted FCF per Share is د.إ1.14 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 Dubai Islamic Bank PJSC (DFM:DIB) Overvalued in 2026?

Based on GuruFocus' analysis, Dubai Islamic Bank PJSC stock appears to be overvalued. The current stock price of د.إ7.59 is trading 2% above its estimated GF Value™ of د.إ7.44. GuruFocus considers Dubai Islamic Bank PJSC to be Fairly Valued.

Key valuation signals for DFM:DIB:

  • Cyclically Adjusted FCF per Share: د.إ1.14
  • GF Value™: د.إ7.44 vs. price of د.إ7.59 (2% above fair value)
  • GF Score™: 67/100 with 4 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 FCF per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

د.إ7.59
Price
د.إ7.44
GF Value