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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.
Dubai Islamic Bank PJSCDFM:DIB -0.80%67 3-Year EPS without NRI Growth Rate is 3.80% as of Jun. 2026, which is 1% above its 10-year median of 3.75. GuruFocus rates DFM:DIB with a GF Score™ of 67/100 and a GF Value™ of د.إ7.54 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,410 Banks companies, Dubai Islamic Bank PJSC ranks worse than 60.85% on this metric.
During the past 12 months, Dubai Islamic Bank PJSC's average EPS without NRI Growth Rate was -4.60% per year.
During the past 3 years, the average EPS without NRI Growth Rate was 3.80% per year.
During the past 5 years, the average EPS without NRI Growth Rate was 20.40% per year.
During the past 10 years, the average EPS without NRI Growth Rate was 5.60% 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 average EPS without NRI growth rate.
During the past 13 years, the highest 3-Year average EPS without NRI Growth Rate of Dubai Islamic Bank PJSC was 37.40% per year. The lowest was -35.90% per year. And the median was 3.75% per year.
Dubai Islamic Bank PJSC (DFM:DIB) 3-Year EPS without NRI Growth Rate Explanation
EPS without NRI is the amount of earnings without non-recurring items per outstanding share of the company's stock.
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists Earnings per share without Non-Recurring Items, which better reflects the company's underlying performance.
Dubai Islamic Bank PJSC 3-Year EPS without NRI Growth Rate Related Terms
Dubai Islamic Bank PJSC 3-Year EPS without NRI Growth Rate Competitor Comparison
For the Banks - Regional subindustry, Dubai Islamic Bank PJSC's 3-Year EPS without NRI Growth Rate, along with its competitors' market caps and 3-Year EPS without NRI Growth Rate 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 3-Year EPS without NRI Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Dubai Islamic Bank PJSC's 3-Year EPS without NRI Growth Rate distribution charts can be found below:
* The bar in red indicates where Dubai Islamic Bank PJSC's 3-Year EPS without NRI Growth Rate falls into.
Dubai Islamic Bank PJSC 3-Year EPS without NRI Growth Rate Calculation
This is the 3-year average growth rate of EPS without NRI. The growth rate is calculated using exponential compounding based on the latest four year annual data.
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 average EPS without NRI growth rate.
What does a 3-Year EPS without NRI Growth Rate of 3.80% mean?
Dubai Islamic Bank PJSC (DFM:DIB) has a 3-Year EPS without NRI Growth Rate of 3.80% as of Jun. 2026. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Dubai Islamic Bank PJSC and its competitors. This is near median its historical median of 3.75. According to the industry distribution chart, Dubai Islamic Bank PJSC ranks #858 out of 1410 companies in the Banks industry, placing it in the top 60.9%.
Is Dubai Islamic Bank PJSC's 3-Year EPS without NRI Growth Rate too high?
Dubai Islamic Bank PJSC's current 3-Year EPS without NRI Growth Rate of 3.80% is near median its 10-year median of 3.75. The Banks industry median 3-Year EPS without NRI Growth Rate is 7.50. Dubai Islamic Bank PJSC's value of 3.80% is 49.3% below this industry median. Based on the distribution chart, Dubai Islamic Bank PJSC ranks #858 out of 1410 companies in the Banks industry, which is below 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 3-Year EPS without NRI Growth Rate compare to competitors?
According to the Banks industry distribution chart, Dubai Islamic Bank PJSC ranks #858 out of 1410 companies for 3-Year EPS without NRI Growth Rate. This places Dubai Islamic Bank PJSC in the lower half of its industry. The industry median 3-Year EPS without NRI Growth Rate is 7.50. Dubai Islamic Bank PJSC's value of 3.80% is 49.3% below this benchmark. While the company's 10-year median is 3.75 vs. the industry median of 7.50, 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 3-Year EPS without NRI Growth Rate for a Banks company?
The median 3-Year EPS without NRI Growth Rate among Banks companies is 7.50, based on 1,410 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EPS without NRI Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EPS without NRI Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Dubai Islamic Bank PJSC's current 3-Year EPS without NRI Growth Rate of 3.80% is 49.3% 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 3-Year EPS without NRI Growth Rate mean?
A high 3-Year EPS without NRI Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Dubai Islamic Bank PJSC and its competitors. For the Banks industry, the median 3-Year EPS without NRI Growth Rate is 7.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Dubai Islamic Bank PJSC's current 3-Year EPS without NRI Growth Rate is 3.80%, which is near median its own 10-year median of 3.75. 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.إ7.54, compared to a current price of د.إ7.47 — trading 0.9% below its estimated fair value. The current 3-Year EPS without NRI Growth Rate is 3.80%, which is near median its 10-year median of 3.75 and 49.3% below the Banks industry median of 7.50. 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 3-Year EPS without NRI Growth Rate calculated?
3-Year EPS without NRI Growth Rate is calculated from a company's financial statements. For Dubai Islamic Bank PJSC (DFM:DIB), the current 3-Year EPS without NRI Growth Rate is 3.80% 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 undervalued.
The current stock price of د.إ7.47 is trading 0.9% below its estimated GF Value™ of د.إ7.54.
GuruFocus considers Dubai Islamic Bank PJSC to be Fairly Valued.
Key valuation signals for DFM:DIB:
3-Year EPS without NRI Growth Rate: 3.80% (near median its 10-year median of 3.75)
GF Value™: د.إ7.54 vs. price of د.إ7.47 (0.9% below fair value)
Industry Position: 49.3% below the Banks median (#858 of 1410)
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
3-Year EPS without NRI Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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