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.
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.
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 Dubai Islamic Bank PJSC's Debt-to-Equity or its related term are showing as below:
DFM:DIB'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.31 Med: 0.47 Max: 0.57
Current: 0.33
During the past 13 years, the highest Debt-to-Equity Ratio of Dubai Islamic Bank PJSC was 0.57. The lowest was 0.31. And the median was 0.47.
DFM:DIB's Debt-to-Equity is ranked better than 61.21% of 1423
companies
in the Banks industry
Industry Median: 0.56
vs DFM:DIB: 0.33
Dubai Islamic Bank PJSC (DFM:DIB) Debt-to-Equity Explanation
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.
Dubai Islamic Bank PJSC Debt-to-Equity Related Terms
Dubai Islamic Bank PJSC Debt-to-Equity Historical Data
* 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 Debt-to-Equity Competitor Comparison
For the Banks - Regional subindustry, Dubai Islamic Bank PJSC'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.
Dubai Islamic Bank PJSC Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Dubai Islamic Bank PJSC's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Dubai Islamic Bank PJSC'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.
Dubai Islamic Bank PJSC (DFM:DIB) has a Debt-to-Equity of 0.33 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Dubai Islamic Bank PJSC and its competitors. This is 30% below median its historical median of 0.47. Over the past decade, Dubai Islamic Bank PJSC's Debt-to-Equity has ranged from 0.31 to 0.57. According to the industry distribution chart, Dubai Islamic Bank PJSC ranks #552 out of 1423 companies in the Banks industry, placing it in the top 38.8%.
Is Dubai Islamic Bank PJSC's Debt-to-Equity too high?
Dubai Islamic Bank PJSC's current Debt-to-Equity of 0.33 is 30% below median its 10-year median of 0.47. Over the past 10 years, this metric has ranged from a low of 0.31 to a high of 0.57. The Banks industry median Debt-to-Equity is 0.56. Dubai Islamic Bank PJSC's value of 0.33 is 41.1% below this industry median. Based on the distribution chart, Dubai Islamic Bank PJSC ranks #552 out of 1423 companies in the Banks industry, which is above the industry midpoint. 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 Debt-to-Equity compare to competitors?
According to the Banks industry distribution chart, Dubai Islamic Bank PJSC ranks #552 out of 1423 companies for Debt-to-Equity. This puts Dubai Islamic Bank PJSC in the upper half of its industry. The industry median Debt-to-Equity is 0.56. Dubai Islamic Bank PJSC's value of 0.33 is 41.1% below this benchmark. Historically, Dubai Islamic Bank PJSC's own Debt-to-Equity has ranged from 0.31 to 0.57 over the past decade. While the company's 10-year median is 0.47 vs. the industry median of 0.56, Dubai Islamic Bank PJSC 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 0.56, based on 1,423 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. Dubai Islamic Bank PJSC's current Debt-to-Equity of 0.33 is 41.1% 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 Dubai Islamic Bank PJSC and its competitors. For the Banks industry, the median Debt-to-Equity is 0.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Dubai Islamic Bank PJSC's current Debt-to-Equity is 0.33, which is 30% below median its own 10-year median of 0.47. 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.إ7.48, compared to a current price of د.إ7.58 — trading 1.3% above its estimated fair value. The current Debt-to-Equity is 0.33, which is 30% below median its 10-year median of 0.47 and 41.1% below the Banks industry median of 0.56. Dubai Islamic Bank PJSC's overall GF Score™ is 67/100 with 3 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 Dubai Islamic Bank PJSC (DFM:DIB), the current Debt-to-Equity is 0.33 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 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.إ7.58 is trading 1.3% above its estimated GF Value™ of د.إ7.48.
GuruFocus considers Dubai Islamic Bank PJSC to be Fairly Valued.
Key valuation signals for DFM:DIB:
Debt-to-Equity: 0.33 (30% below median its 10-year median of 0.47)
GF Value™: د.إ7.48 vs. price of د.إ7.58 (1.3% above fair value)
Industry Position: 41.1% below the Banks median (#552 of 1423)
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 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
Debt-to-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
DFM:DIB has been successfully added to your 
