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A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Abu Dhabi Islamic Bank's Debt-to-Equity or its related term are showing as below:
ADX:ADIB'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.01 Med: 0.02 Max: 0.41
Current: 0.41
During the past 13 years, the highest Debt-to-Equity Ratio of Abu Dhabi Islamic Bank was 0.41. The lowest was 0.01. And the median was 0.02.
ADX:ADIB's Debt-to-Equity is ranked better than 75.3% of 1421
companies
in the Banks industry
Industry Median: 0.58
vs ADX:ADIB: 0.41
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Abu Dhabi Islamic Bank Debt-to-Equity Related Terms
Abu Dhabi Islamic Bank Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Abu Dhabi Islamic Bank's Debt-to-Equity 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 Debt-to-Equity Competitor Comparison
For the Banks - Regional subindustry, Abu Dhabi Islamic Bank's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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 Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Abu Dhabi Islamic Bank's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Abu Dhabi Islamic Bank's Debt-to-Equity falls into.
* 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 (ADX:ADIB) has a Debt-to-Equity of 0.41 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Abu Dhabi Islamic Bank and its competitors. This is 1950% above median its historical median of 0.02. Over the past decade, Abu Dhabi Islamic Bank's Debt-to-Equity has ranged from 0.01 to 0.41. According to the industry distribution chart, Abu Dhabi Islamic Bank ranks #351 out of 1421 companies in the Banks industry, placing it in the top 24.7%.
Is Abu Dhabi Islamic Bank's Debt-to-Equity too high?
Abu Dhabi Islamic Bank's current Debt-to-Equity of 0.41 is 1950% above median its 10-year median of 0.02. Over the past 10 years, this metric has ranged from a low of 0.01 to a high of 0.41. The Banks industry median Debt-to-Equity is 0.58. Abu Dhabi Islamic Bank's value of 0.41 is 29.3% below this industry median. Based on the distribution chart, Abu Dhabi Islamic Bank ranks #351 out of 1421 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Abu Dhabi Islamic Bank has a GF Score™ of 65/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Abu Dhabi Islamic Bank's Debt-to-Equity compare to competitors?
According to the Banks industry distribution chart, Abu Dhabi Islamic Bank ranks #351 out of 1421 companies for Debt-to-Equity. This places Abu Dhabi Islamic Bank in the top 25% of its industry — outperforming the majority of peers. The industry median Debt-to-Equity is 0.58. Abu Dhabi Islamic Bank's value of 0.41 is 29.3% below this benchmark. Historically, Abu Dhabi Islamic Bank's own Debt-to-Equity has ranged from 0.01 to 0.41 over the past decade. While the company's 10-year median is 0.02 vs. the industry median of 0.58, Abu Dhabi Islamic Bank has consistently been below 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 Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.58, based on 1,421 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Abu Dhabi Islamic Bank's current Debt-to-Equity of 0.41 is 29.3% below 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 Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Abu Dhabi Islamic Bank and its competitors. For the Banks industry, the median Debt-to-Equity is 0.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Abu Dhabi Islamic Bank's current Debt-to-Equity is 0.41, which is 1950% above median its own 10-year median of 0.02. 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 Fairly Valued. The stock's GF Value™ is د.إ19.57, compared to a current price of د.إ21.22 — trading 8.4% above its estimated fair value. The current Debt-to-Equity is 0.41, which is 1950% above median its 10-year median of 0.02 and 29.3% below the Banks industry median of 0.58. 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 Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Abu Dhabi Islamic Bank (ADX:ADIB), the current Debt-to-Equity is 0.41 as of Jun. 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.إ21.22 is trading 8.4% above its estimated GF Value™ of د.إ19.57.
GuruFocus considers Abu Dhabi Islamic Bank to be Fairly Valued.
Key valuation signals for ADX:ADIB:
Debt-to-Equity: 0.41 (1950% above median its 10-year median of 0.02)
GF Value™: د.إ19.57 vs. price of د.إ21.22 (8.4% above fair value)
Industry Position: 29.3% below the Banks median (#351 of 1421)
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 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
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Debt-to-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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