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Sharjah Islamic BankADX:SIB +0.69%71 Debt-to-Equity is 0.45 as of Jun. 2026, which is 38% below its 10-year median of 0.72. GuruFocus rates ADX:SIB with a GF Score™ of 71/100 and a GF Value™ of د.إ3.23 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 1,421 Banks companies, Sharjah Islamic Bank ranks better than 58.41% on this metric.
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 Sharjah Islamic Bank's Debt-to-Equity or its related term are showing as below:
ADX:SIB'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.22 Med: 0.72 Max: 1.58
Current: 0.45
During the past 13 years, the highest Debt-to-Equity Ratio of Sharjah Islamic Bank was 1.58. The lowest was 0.22. And the median was 0.72.
ADX:SIB's Debt-to-Equity is ranked better than 58.41% of 1421
companies
in the Banks industry
Industry Median: 0.58
vs ADX:SIB: 0.45
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.
Sharjah Islamic Bank Debt-to-Equity Related Terms
Sharjah Islamic Bank Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Sharjah 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.
Sharjah Islamic Bank Debt-to-Equity Competitor Comparison
For the Banks - Regional subindustry, Sharjah 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.
Sharjah Islamic Bank Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Sharjah Islamic Bank's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Sharjah 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.
Sharjah Islamic Bank (ADX:SIB) has a Debt-to-Equity of 0.45 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Sharjah Islamic Bank and its competitors. This is 38% below median its historical median of 0.72. Over the past decade, Sharjah Islamic Bank's Debt-to-Equity has ranged from 0.22 to 1.58. According to the industry distribution chart, Sharjah Islamic Bank ranks #591 out of 1421 companies in the Banks industry, placing it in the top 41.6%.
Is Sharjah Islamic Bank's Debt-to-Equity too high?
Sharjah Islamic Bank's current Debt-to-Equity of 0.45 is 38% below median its 10-year median of 0.72. Over the past 10 years, this metric has ranged from a low of 0.22 to a high of 1.58. The Banks industry median Debt-to-Equity is 0.58. Sharjah Islamic Bank's value of 0.45 is 22.4% below this industry median. Based on the distribution chart, Sharjah Islamic Bank ranks #591 out of 1421 companies in the Banks industry, which is above the industry midpoint. Overall, Sharjah Islamic Bank has a GF Score™ of 71/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Sharjah Islamic Bank's Debt-to-Equity compare to competitors?
According to the Banks industry distribution chart, Sharjah Islamic Bank ranks #591 out of 1421 companies for Debt-to-Equity. This puts Sharjah Islamic Bank in the upper half of its industry. The industry median Debt-to-Equity is 0.58. Sharjah Islamic Bank's value of 0.45 is 22.4% below this benchmark. Historically, Sharjah Islamic Bank's own Debt-to-Equity has ranged from 0.22 to 1.58 over the past decade. While the company's 10-year median is 0.72 vs. the industry median of 0.58, Sharjah 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. Sharjah Islamic Bank's current Debt-to-Equity of 0.45 is 22.4% 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 Sharjah 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. Sharjah Islamic Bank's current Debt-to-Equity is 0.45, which is 38% below median its own 10-year median of 0.72. 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 Modestly Undervalued. The stock's GF Value™ is د.إ3.23, compared to a current price of د.إ2.92 — trading 9.6% below its estimated fair value. The current Debt-to-Equity is 0.45, which is 38% below median its 10-year median of 0.72 and 22.4% below the Banks industry median of 0.58. Sharjah Islamic Bank's overall GF Score™ is 71/100 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 Sharjah Islamic Bank (ADX:SIB), the current Debt-to-Equity is 0.45 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 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.إ2.92 is trading 9.6% below its estimated GF Value™ of د.إ3.23.
GuruFocus considers Sharjah Islamic Bank to be Modestly Undervalued.
Key valuation signals for ADX:SIB:
Debt-to-Equity: 0.45 (38% below median its 10-year median of 0.72)
GF Value™: د.إ3.23 vs. price of د.إ2.92 (9.6% below fair value)
Industry Position: 22.4% below the Banks median (#591 of 1421)
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 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
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