Abu Dhabi Islamic Bank (ADX:ADIB) Cyclically Adjusted PS Ratio: 9.20 (As of Jul. 14, 2026) — 149% Above Median

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.

ADX:ADIB Abu Dhabi Islamic Bank ADX:ADIB
65 GF Score
Price د.إ21.80
GF Value د.إ19.55
Valuation Modestly Overvalued
! 2 Warning Signs
View Full Analysis

What is Abu Dhabi Islamic Bank Cyclically Adjusted PS Ratio?

Abu Dhabi Islamic Bank ADX:ADIB -0.91% 65 Cyclically Adjusted PS Ratio is 9.20 as of Jul. 14, 2026, which is 149% above its 10-year median of 3.69. GuruFocus rates ADX:ADIB with a GF Score™ of 65/100 and a GF Value™ of د.إ19.55 (Modestly Overvalued). The stock has 2 warning signs investors should review. Among 1,306 Banks companies, Abu Dhabi Islamic Bank ranks worse than 96.17% on this metric.

As of today (2026-07-14), Abu Dhabi Islamic Bank's current share price is د.إ21.80. Abu Dhabi Islamic Bank's Cyclically Adjusted Revenue per Share for the quarter that ended in Mar. 2026 was د.إ2.37. Abu Dhabi Islamic Bank's Cyclically Adjusted PS Ratio for today is 9.20.

The historical rank and industry rank for Abu Dhabi Islamic Bank's Cyclically Adjusted PS Ratio or its related term are showing as below:

ADX:ADIB' s Cyclically Adjusted PS Ratio Range Over the Past 10 Years
Min: 2.12   Med: 3.69   Max: 11.52
Current: 9.28

During the past years, Abu Dhabi Islamic Bank's highest Cyclically Adjusted PS Ratio was 11.52. The lowest was 2.12. And the median was 3.69.

ADX:ADIB's Cyclically Adjusted PS Ratio is ranked worse than
96.17% of 1306 companies
in the Banks industry
Industry Median: 3.345 vs ADX:ADIB: 9.28

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 PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted revenue per share of a company over the past 10 years.

Abu Dhabi Islamic Bank's adjusted revenue per share data for the three months ended in Mar. 2026 was د.إ0.870. Add all the adjusted revenue per share for the past 10 years together and divide 10 will get our Cyclically Adjusted Revenue per Share, which is د.إ2.37 for the trailing ten years ended in Mar. 2026.

Shiller PE for Stocks: The True Measure of Stock Valuation


Abu Dhabi Islamic Bank  (ADX:ADIB) Cyclically Adjusted PS Ratio Explanation

Compared with the regular PS Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PS Ratio smoothed out the fluctuations of revenue during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted PS Ratio should give similar results to regular PS Ratio.


Abu Dhabi Islamic Bank Cyclically Adjusted PS Ratio Related Terms


Abu Dhabi Islamic Bank Cyclically Adjusted PS Ratio Historical Data

* Premium members only.

The historical data trend for Abu Dhabi Islamic Bank's Cyclically Adjusted PS Ratio 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 PS Ratio Chart

Abu Dhabi Islamic Bank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted PS Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 4.13 5.07 5.19 6.55 9.05

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 PS Ratio 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 7.40 9.70 9.61 9.05 8.69

Abu Dhabi Islamic Bank Cyclically Adjusted PS Ratio Competitor Comparison

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

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

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


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

Abu Dhabi Islamic Bank Cyclically Adjusted PS Ratio Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted PS Ratio takes the Revenue per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/S calculation. Because it considers this 10-year average, it's often referred to as the CAPS Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio.

Abu Dhabi Islamic Bank's Cyclically Adjusted PS Ratio for today is calculated as

Cyclically Adjusted PS Ratio=Share Price/ Cyclically Adjusted Revenue per Share
=21.80/2.37
=9.20

* 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's Cyclically Adjusted Revenue per Share for the quarter that ended in Mar. 2026 is calculated as:

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

Adj_RevenuePerShare=Revenue per Share/CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=0.87/330.2130*330.2130
=0.870

Current CPI (Mar. 2026) = 330.2130.

Abu Dhabi Islamic Bank Quarterly Data

Revenue per Share CPI Adj_RevenuePerShare
201606 0.400 241.018 0.548
201609 0.403 241.428 0.551
201612 0.395 241.432 0.540
201703 0.407 243.801 0.551
201706 0.415 244.955 0.559
201709 0.419 246.819 0.561
201712 0.431 246.524 0.577
201803 0.404 249.554 0.535
201806 0.403 251.989 0.528
201809 0.423 252.439 0.553
201812 0.449 251.233 0.590
201903 0.392 254.202 0.509
201906 0.396 256.143 0.511
201909 0.420 256.759 0.540
201912 0.416 256.974 0.535
202003 0.353 258.115 0.452
202006 0.346 257.797 0.443
202009 0.376 260.280 0.477
202012 0.382 260.474 0.484
202103 0.357 264.877 0.445
202106 0.345 271.696 0.419
202109 0.388 274.310 0.467
202112 0.348 278.802 0.412
202203 0.365 287.504 0.419
202206 0.374 296.311 0.417
202209 0.445 296.808 0.495
202212 0.441 296.797 0.491
202303 0.556 301.836 0.608
202306 0.608 305.109 0.658
202309 0.664 307.789 0.712
202312 0.689 306.746 0.742
202403 0.685 312.332 0.724
202406 0.774 314.175 0.814
202409 0.723 315.301 0.757
202412 0.723 315.605 0.756
202503 0.782 319.799 0.807
202506 0.836 322.561 0.856
202509 0.878 324.800 0.893
202512 0.876 324.054 0.893
202603 0.870 330.213 0.870

Add all the adjusted revenue per share together and divide 10 will get our Cyclically Adjusted Revenue 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.

What does a Cyclically Adjusted PS Ratio of 9.20 mean?
Abu Dhabi Islamic Bank (ADX:ADIB) has a Cyclically Adjusted PS Ratio of 9.20 as of Jul. 14, 2026. Cyclically Adjusted PS Ratio is the ratio of share price to a company's inflation-adjusted revenue per share over a 10-year period. View historical data on Abu Dhabi Islamic Bank and its competitors. This is 149% above median its historical median of 3.69. Over the past decade, Abu Dhabi Islamic Bank's Cyclically Adjusted PS Ratio has ranged from 2.12 to 11.52. According to the industry distribution chart, Abu Dhabi Islamic Bank ranks #1256 out of 1306 companies in the Banks industry, placing it in the top 96.2%.
Is Abu Dhabi Islamic Bank's Cyclically Adjusted PS Ratio too high?
Abu Dhabi Islamic Bank's current Cyclically Adjusted PS Ratio of 9.20 is 149% above median its 10-year median of 3.69. Over the past 10 years, this metric has ranged from a low of 2.12 to a high of 11.52. The Banks industry median Cyclically Adjusted PS Ratio is 3.35. Abu Dhabi Islamic Bank's value of 9.20 is 175% above this industry median. Based on the distribution chart, Abu Dhabi Islamic Bank ranks #1256 out of 1306 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 PS Ratio compare to competitors?
According to the Banks industry distribution chart, Abu Dhabi Islamic Bank ranks #1256 out of 1306 companies for Cyclically Adjusted PS Ratio. This places Abu Dhabi Islamic Bank in the lower half of its industry. The industry median Cyclically Adjusted PS Ratio is 3.35. Abu Dhabi Islamic Bank's value of 9.20 is 175% above this benchmark. Historically, Abu Dhabi Islamic Bank's own Cyclically Adjusted PS Ratio has ranged from 2.12 to 11.52 over the past decade. While the company's 10-year median is 3.69 vs. the industry median of 3.35, Abu Dhabi Islamic Bank has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted PS Ratio for a Banks company?
The median Cyclically Adjusted PS Ratio among Banks companies is 3.35, based on 1,306 companies in the industry. Companies in the top quartile (top 25%) have a Cyclically Adjusted PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, Cyclically Adjusted PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Abu Dhabi Islamic Bank's current Cyclically Adjusted PS Ratio of 9.20 is 175% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted PS Ratio mean?
A high Cyclically Adjusted PS Ratio can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted PS Ratio is the ratio of share price to a company's inflation-adjusted revenue per share over a 10-year period. View historical data on Abu Dhabi Islamic Bank and its competitors. For the Banks industry, the median Cyclically Adjusted PS Ratio is 3.35 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Abu Dhabi Islamic Bank's current Cyclically Adjusted PS Ratio is 9.20, which is 149% above median its own 10-year median of 3.69. 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.إ19.55, compared to a current price of د.إ21.80 — trading 11.5% above its estimated fair value. The current Cyclically Adjusted PS Ratio is 9.20, which is 149% above median its 10-year median of 3.69 and 175% above the Banks industry median of 3.35. 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 PS Ratio calculated?
Cyclically Adjusted PS Ratio is calculated from a company's financial statements. For Abu Dhabi Islamic Bank (ADX:ADIB), the current Cyclically Adjusted PS Ratio is 9.20 as of Jul. 14, 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 11.5% above its estimated GF Value™ of د.إ19.55. GuruFocus considers Abu Dhabi Islamic Bank to be Modestly Overvalued.

Key valuation signals for ADX:ADIB:

  • Cyclically Adjusted PS Ratio: 9.20 (149% above median its 10-year median of 3.69)
  • GF Value™: د.إ19.55 vs. price of د.إ21.80 (11.5% above fair value)
  • GF Score™: 65/100 with 2 warning signs
  • Industry Position: 175% above the Banks median (#1256 of 1306)

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 PS Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

د.إ21.80
Price
د.إ19.55
GF Value