Dubai Islamic Bank PJSC (DFM:DIB) E10: د.إ0.85 (As of Mar. 2026)


DFM:DIB Dubai Islamic Bank PJSC DFM:DIB
67 GF Score
Price د.إ7.48
GF Value د.إ7.43
Valuation Fairly Valued
! 4 Warning Signs
View Full Analysis

What is Dubai Islamic Bank PJSC E10?

Dubai Islamic Bank PJSC DFM:DIB -1.97% 67 E10 is د.إ0.85 as of Mar. 2026. GuruFocus rates DFM:DIB with a GF Score™ of 67/100 and a GF Value™ of د.إ7.43 (Fairly Valued). The stock has 4 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Dubai Islamic Bank PJSC's adjusted earnings per share data for the three months ended in Mar. 2026 was د.إ0.240. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is د.إ0.85 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Dubai Islamic Bank PJSC's average E10 Growth Rate was 3.70% per year. During the past 3 years, the average E10 Growth Rate was 7.40% per year. During the past 5 years, the average E10 Growth Rate was 9.80% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of Dubai Islamic Bank PJSC was 12.30% per year. The lowest was 7.40% per year. And the median was 10.10% per year.

As of today (2026-06-26), Dubai Islamic Bank PJSC's current stock price is د.إ7.48. Dubai Islamic Bank PJSC's E10 for the quarter that ended in Mar. 2026 was د.إ0.85. Dubai Islamic Bank PJSC's Shiller PE Ratio of today is 8.80.

During the past 13 years, the highest Shiller PE Ratio of Dubai Islamic Bank PJSC was 14.62. The lowest was 6.25. And the median was 9.27.


Dubai Islamic Bank PJSC  (DFM:DIB) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Dubai Islamic Bank PJSC's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=7.48/0.85
=8.80

* 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.

During the past 13 years, the highest Shiller P/E Ratio of Dubai Islamic Bank PJSC was 14.62. The lowest was 6.25. And the median was 9.27.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Dubai Islamic Bank PJSC E10 Related Terms


Dubai Islamic Bank PJSC E10 Historical Data

* Premium members only.

The historical data trend for Dubai Islamic Bank PJSC's E10 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.

Dubai Islamic Bank PJSC E10 Chart

Dubai Islamic Bank PJSC Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.60 0.67 0.75 0.81 0.83

Dubai Islamic Bank PJSC Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
E10 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 0.82 0.83 0.84 0.83 0.85

Dubai Islamic Bank PJSC E10 Competitor Comparison

For the Banks - Regional subindustry, Dubai Islamic Bank PJSC's Shiller PE Ratio, along with its competitors' market caps and Shiller PE 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.


Dubai Islamic Bank PJSC Shiller PE Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Dubai Islamic Bank PJSC's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where Dubai Islamic Bank PJSC's Shiller PE Ratio falls into.


DFM:DIB
67GF Score
Dubai Islamic Bank PJSC DFM:DIB
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Dubai Islamic Bank PJSC E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

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.

For example, Dubai Islamic Bank PJSC's adjusted earnings per share data for the three months ended in Mar. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=0.24/330.2130*330.2130
=0.240

Current CPI (Mar. 2026) = 330.2130.

Dubai Islamic Bank PJSC Quarterly Data

per share eps CPI Adj_EPS
201606 0.194 241.018 0.266
201609 0.116 241.428 0.159
201612 0.160 241.432 0.219
201703 0.142 243.801 0.192
201706 0.190 244.955 0.256
201709 0.160 246.819 0.214
201712 0.124 246.524 0.166
201803 0.170 249.554 0.225
201806 0.210 251.989 0.275
201809 0.150 252.439 0.196
201812 0.190 251.233 0.250
201903 0.170 254.202 0.221
201906 0.210 256.143 0.271
201909 0.160 256.759 0.206
201912 0.160 256.974 0.206
202003 0.130 258.115 0.166
202006 0.130 257.797 0.167
202009 0.110 260.280 0.140
202012 0.010 260.474 0.013
202103 0.090 264.877 0.112
202106 0.120 271.696 0.146
202109 0.150 274.310 0.181
202112 0.170 278.802 0.201
202203 0.170 287.504 0.195
202206 0.170 296.311 0.189
202209 0.180 296.808 0.200
202212 0.180 296.797 0.200
202303 0.190 301.836 0.208
202306 0.200 305.109 0.216
202309 0.220 307.789 0.236
202312 0.270 306.746 0.291
202403 0.210 312.332 0.222
202406 0.220 314.175 0.231
202409 0.270 315.301 0.283
202412 0.350 315.605 0.366
202503 0.230 319.799 0.237
202506 0.230 322.561 0.235
202509 0.260 324.800 0.264
202512 0.260 324.054 0.265
202603 0.240 330.213 0.240

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of د.إ0.85 mean?
Dubai Islamic Bank PJSC (DFM:DIB) has a E10 of د.إ0.85 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Dubai Islamic Bank PJSC and its competitors.
Is Dubai Islamic Bank PJSC's E10 too high?
Dubai Islamic Bank PJSC's current E10 is د.إ0.85. 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 E10 compare to competitors?
Dubai Islamic Bank PJSC's E10 of د.إ0.85 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good E10 for a Banks company?
A good E10 depends on the Banks industry context. However, E10 should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Dubai Islamic Bank PJSC and its competitors. Dubai Islamic Bank PJSC's current E10 is د.إ0.85. 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.إ7.43, compared to a current price of د.إ7.48 — trading 0.7% above its estimated fair value. The current E10 is د.إ0.85. Dubai Islamic Bank PJSC's overall GF Score™ is 67/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For Dubai Islamic Bank PJSC (DFM:DIB), the current E10 is د.إ0.85 as of Mar. 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.إ7.48 is trading 0.7% above its estimated GF Value™ of د.إ7.43. GuruFocus considers Dubai Islamic Bank PJSC to be Fairly Valued.

Key valuation signals for DFM:DIB:

  • E10: د.إ0.85
  • GF Value™: د.إ7.43 vs. price of د.إ7.48 (0.7% above fair value)
  • GF Score™: 67/100 with 4 warning signs

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 Business Description

Address Building 2, Al Maktoum Road, P.O. Box 1080, Opposite DNATA, Deira, Dubai, ARE
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

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

د.إ7.48
Price
د.إ7.43
GF Value