Emirates Islamic Bank PJSC (DFM:EIB) Cyclically Adjusted PS Ratio: 14.47 (As of Aug. 29, 2026) — Near Median

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Director of Data and Quant Analytics at GuruFocus
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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:EIB Emirates Islamic Bank PJSC DFM:EIB
14 GF Score
Price د.إ10.85
GF Value د.إ10.81
! 3 Warning Signs
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What is Emirates Islamic Bank PJSC Cyclically Adjusted PS Ratio?

Emirates Islamic Bank PJSC DFM:EIB 14 Cyclically Adjusted PS Ratio is 14.47 as of Aug. 29, 2026, which is at its 10-year median of 14.47. GuruFocus rates DFM:EIB with a GF Score™ of 14/100 and a GF Value™ of د.إ10.81. The stock has 3 warning signs investors should review.

As of today (2026-08-29), Emirates Islamic Bank PJSC's current share price is د.إ10.85. Emirates Islamic Bank PJSC's Cyclically Adjusted Revenue per Share for the quarter that ended in Jun. 2026 was د.إ0.75. Emirates Islamic Bank PJSC's Cyclically Adjusted PS Ratio for today is 14.47.

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

DFM:EIB' s Cyclically Adjusted PS Ratio Range Over the Past 10 Years
Min: 7.58   Med: 14.47   Max: 18.01
Current: 14.43

During the past years, Emirates Islamic Bank PJSC's highest Cyclically Adjusted PS Ratio was 18.01. The lowest was 7.58. And the median was 14.47.

DFM:EIB's Cyclically Adjusted PS Ratio is not ranked
in the Banks industry.
Industry Median: 3.41 vs DFM:EIB: 14.43

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.

Emirates Islamic Bank PJSC's adjusted revenue per share data for the three months ended in Jun. 2026 was د.إ0.298. 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.إ0.75 for the trailing ten years ended in Jun. 2026.

Shiller PE for Stocks: The True Measure of Stock Valuation


Emirates Islamic Bank PJSC  (DFM:EIB) 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.


Emirates Islamic Bank PJSC Cyclically Adjusted PS Ratio Related Terms


Emirates Islamic Bank PJSC Cyclically Adjusted PS Ratio Historical Data

* Premium members only.

The historical data trend for Emirates Islamic Bank PJSC'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.

Emirates Islamic Bank PJSC Cyclically Adjusted PS Ratio Chart

Emirates Islamic Bank PJSC 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 14.58 13.53 10.59 12.35 15.20

Emirates 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 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 15.50 15.20 15.20 14.74 14.43

Emirates Islamic Bank PJSC Cyclically Adjusted PS Ratio Competitor Comparison

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


Emirates Islamic Bank PJSC Cyclically Adjusted PS Ratio vs Banks Industry

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

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


DFM:EIB
14GF Score
Emirates Islamic Bank PJSC DFM:EIB
Cyclically Adjusted PS Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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Emirates Islamic Bank PJSC 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.

Emirates Islamic Bank PJSC's Cyclically Adjusted PS Ratio for today is calculated as

Cyclically Adjusted PS Ratio=Share Price/ Cyclically Adjusted Revenue per Share
=10.85/0.75
=14.47

* 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.

Emirates Islamic Bank PJSC's Cyclically Adjusted Revenue per Share for the quarter that ended in Jun. 2026 is calculated as:

For example, Emirates Islamic Bank PJSC's adjusted Revenue per Share data for the three months ended in Jun. 2026 was:

Adj_RevenuePerShare=Revenue per Share/CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=0.298/333.9520*333.9520
=0.298

Current CPI (Jun. 2026) = 333.9520.

Emirates Islamic Bank PJSC Quarterly Data

Revenue per Share CPI Adj_RevenuePerShare
201609 0.204 241.428 0.282
201612 0.068 241.432 0.094
201703 0.107 243.801 0.147
201706 0.109 244.955 0.149
201709 0.115 246.819 0.156
201712 0.111 246.524 0.150
201803 0.109 249.554 0.146
201806 0.116 251.989 0.154
201809 0.116 252.439 0.153
201812 0.115 251.233 0.153
201903 0.122 254.202 0.160
201906 0.123 256.143 0.160
201909 0.133 256.759 0.173
201912 0.115 256.974 0.149
202003 0.118 258.115 0.153
202006 0.091 257.797 0.118
202009 0.095 260.280 0.122
202012 0.096 260.474 0.123
202103 0.106 264.877 0.134
202106 0.112 271.696 0.138
202109 0.113 274.310 0.138
202112 0.001 278.802 0.001
202203 0.119 287.504 0.138
202206 0.132 296.311 0.149
202209 0.150 296.808 0.169
202212 0.181 296.797 0.204
202303 0.209 301.836 0.231
202306 0.223 305.109 0.244
202309 0.219 307.789 0.238
202312 0.227 306.746 0.247
202403 0.247 312.332 0.264
202406 0.249 314.175 0.265
202409 0.255 315.301 0.270
202412 0.240 315.605 0.254
202503 0.266 319.799 0.278
202506 0.273 322.561 0.283
202509 0.280 324.800 0.288
202512 0.251 324.054 0.259
202603 0.285 330.213 0.288
202606 0.298 333.952 0.298

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 14.47 mean?
Emirates Islamic Bank PJSC (DFM:EIB) has a Cyclically Adjusted PS Ratio of 14.47 as of Aug. 29, 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 Emirates Islamic Bank PJSC and its competitors. This is near median its historical median of 14.47. Over the past decade, Emirates Islamic Bank PJSC's Cyclically Adjusted PS Ratio has ranged from 7.58 to 18.01.
Is Emirates Islamic Bank PJSC's Cyclically Adjusted PS Ratio too high?
Emirates Islamic Bank PJSC's current Cyclically Adjusted PS Ratio of 14.47 is near median its 10-year median of 14.47. Over the past 10 years, this metric has ranged from a low of 7.58 to a high of 18.01. The Banks industry median Cyclically Adjusted PS Ratio is 3.41. Emirates Islamic Bank PJSC's value of 14.47 is 324.3% above this industry median. Overall, Emirates Islamic Bank PJSC has a GF Score™ of 14/100, reflecting its overall financial health beyond just this single metric.
How does Emirates Islamic Bank PJSC's Cyclically Adjusted PS Ratio compare to competitors?
Emirates Islamic Bank PJSC's Cyclically Adjusted PS Ratio of 14.47 can be compared against companies in the Banks industry. The industry median Cyclically Adjusted PS Ratio is 3.41. Emirates Islamic Bank PJSC's value of 14.47 is 324.3% above this benchmark. Historically, Emirates Islamic Bank PJSC's own Cyclically Adjusted PS Ratio has ranged from 7.58 to 18.01 over the past decade. While the company's 10-year median is 14.47 vs. the industry median of 3.41, Emirates Islamic Bank PJSC 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 3.41, based on 1,297 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. Emirates Islamic Bank PJSC's current Cyclically Adjusted PS Ratio of 14.47 is 324.3% 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 Emirates Islamic Bank PJSC and its competitors. For the Banks industry, the median Cyclically Adjusted PS Ratio is 3.41 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Emirates Islamic Bank PJSC's current Cyclically Adjusted PS Ratio is 14.47, which is near median its own 10-year median of 14.47. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Emirates Islamic Bank PJSC stock overvalued right now?
Emirates Islamic Bank PJSC (DFM:EIB) has a current Cyclically Adjusted PS Ratio of 14.47. The stock's GF Value™ is د.إ10.81, compared to a current price of د.إ10.85 — trading 0.4% above its estimated fair value. The current Cyclically Adjusted PS Ratio is 14.47, which is near median its 10-year median of 14.47 and 324.3% above the Banks industry median of 3.41. Emirates Islamic Bank PJSC's overall GF Score™ is 14/100 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 PS Ratio calculated?
Cyclically Adjusted PS Ratio is calculated from a company's financial statements. For Emirates Islamic Bank PJSC (DFM:EIB), the current Cyclically Adjusted PS Ratio is 14.47 as of Aug. 29, 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 Emirates Islamic Bank PJSC (DFM:EIB) Overvalued in 2026?

Based on GuruFocus' analysis, Emirates Islamic Bank PJSC stock appears to be overvalued. The current stock price of د.إ10.85 is trading 0.4% above its estimated GF Value™ of د.إ10.81.

Key valuation signals for DFM:EIB:

  • Cyclically Adjusted PS Ratio: 14.47 (near median its 10-year median of 14.47)
  • GF Value™: د.إ10.81 vs. price of د.إ10.85 (0.4% above fair value)
  • GF Score™: 14/100 with 3 warning signs
  • Industry Position: 324.3% above the Banks median

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


Emirates Islamic Bank PJSC Business Description

Address Dubai Health Care City, P.O. Box 6564, 3rd Floor, Building 16, Dubai, ARE
Emirates Islamic Bank PJSC provides full commercial and banking services and offers various products through Islamic financing and investing instruments following Islamic Sharia. The group's activities comprise three business segments: Corporate and institutional banking, Retail banking and wealth management, Treasury, and Others. Substantial revenue is generated from Retail banking and wealth management segment.
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Get the complete analysis for DFM:EIB

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

د.إ10.85
Price
د.إ10.81
GF Value