Sharjah Islamic Bank (ADX:SIB) EV-to-OCF: -0.05 (As of Aug. 18, 2026)

Author: Vera Yuan Vera Yuan
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Director of Data and Quant Analytics at GuruFocus
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.
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Founder & CEO of GuruFocus
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.

ADX:SIB Sharjah Islamic Bank ADX:SIB
71 GF Score
Price د.إ2.87
GF Value د.إ3.20
Valuation Modestly Undervalued
! 2 Warning Signs
View Full Analysis

What is Sharjah Islamic Bank EV-to-OCF?

Sharjah Islamic Bank ADX:SIB 71 EV-to-OCF is -0.05 as of Aug. 18, 2026. GuruFocus rates ADX:SIB with a GF Score™ of 71/100 and a GF Value™ of د.إ3.20 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 1,499 Banks companies, Sharjah Islamic Bank ranks better than 69.45% on this metric.

EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, Sharjah Islamic Bank's Enterprise Value is د.إ336 Mil. Sharjah Islamic Bank's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 was د.إ-7,294 Mil. Therefore, Sharjah Islamic Bank's EV-to-OCF for today is -0.05.

The historical rank and industry rank for Sharjah Islamic Bank's EV-to-OCF or its related term are showing as below:

ADX:SIB' s EV-to-OCF Range Over the Past 10 Years
Min: -29.07   Med: -0.11   Max: 50.78
Current: -0.05

During the past 13 years, the highest EV-to-OCF of Sharjah Islamic Bank was 50.78. The lowest was -29.07. And the median was -0.11.

ADX:SIB's EV-to-OCF is ranked better than
69.45% of 1499 companies
in the Banks industry
Industry Median: 3.92 vs ADX:SIB: -0.05

EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.

As of today (2026-08-18), Sharjah Islamic Bank's stock price is د.إ2.87. Sharjah Islamic Bank's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 was د.إ0.366. Therefore, Sharjah Islamic Bank's PE Ratio (TTM) for today is 7.84.


Sharjah Islamic Bank  (ADX:SIB) EV-to-OCF Explanation

EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.

Sharjah Islamic Bank's PE Ratio (TTM) for today is calculated as:

PE Ratio (TTM)=Share Price (Today)/Earnings per Share (Diluted) (TTM)
=2.87/0.366
=7.84

Sharjah Islamic Bank's share price for today is د.إ2.87.
Sharjah Islamic Bank's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was د.إ0.366.

* 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.

Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.


Sharjah Islamic Bank EV-to-OCF Related Terms


Sharjah Islamic Bank EV-to-OCF Historical Data

* Premium members only.

The historical data trend for Sharjah Islamic Bank's EV-to-OCF 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 EV-to-OCF Chart

Sharjah Islamic Bank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EV-to-OCF
Get a 7-Day Free Trial Premium Member Only Premium Member Only -0.58 22.85 0.29 0.36 -11.21

Sharjah Islamic Bank Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
EV-to-OCF 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 3.52 50.14 -11.21 1.86 -0.09

Sharjah Islamic Bank EV-to-OCF Competitor Comparison

For the Banks - Regional subindustry, Sharjah Islamic Bank's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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 EV-to-OCF vs Banks Industry

For the Banks industry and Financial Services sector, Sharjah Islamic Bank's EV-to-OCF distribution charts can be found below:

* The bar in red indicates where Sharjah Islamic Bank's EV-to-OCF falls into.


ADX:SIB
71GF Score
Sharjah Islamic Bank ADX:SIB
EV-to-OCF is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Sharjah Islamic Bank EV-to-OCF Calculation

Sharjah Islamic Bank's EV-to-OCF for today is calculated as:

EV-to-OCF=Enterprise Value (Today)/Cash Flow from Operations (TTM)
=335.974/-7293.91
=-0.05

Sharjah Islamic Bank's current Enterprise Value is د.إ336 Mil.
Sharjah Islamic Bank's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was د.إ-7,294 Mil.

* 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.

Frequently Asked Questions Learn more about EV-to-OCF →
What does a EV-to-OCF of -0.05 mean?
Sharjah Islamic Bank (ADX:SIB) has a EV-to-OCF of -0.05 as of Aug. 18, 2026. According to the industry distribution chart, Sharjah Islamic Bank ranks #458 out of 1499 companies in the Banks industry, placing it in the top 30.6%.
Is Sharjah Islamic Bank's EV-to-OCF too high?
Sharjah Islamic Bank's current EV-to-OCF is -0.05. Based on the distribution chart, Sharjah Islamic Bank ranks #458 out of 1499 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 EV-to-OCF compare to competitors?
According to the Banks industry distribution chart, Sharjah Islamic Bank ranks #458 out of 1499 companies for EV-to-OCF. This puts Sharjah Islamic Bank in the upper half of its industry. The industry median EV-to-OCF is 3.92. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 3.92, based on 1,499 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF 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 EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 3.92 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sharjah Islamic Bank's current EV-to-OCF is -0.05. 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.إ3.20, compared to a current price of د.إ2.87 — trading 10.3% below its estimated fair value. The current EV-to-OCF is -0.05. 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 EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Sharjah Islamic Bank (ADX:SIB), the current EV-to-OCF is -0.05 as of Aug. 18, 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.إ2.87 is trading 10.3% below its estimated GF Value™ of د.إ3.20. GuruFocus considers Sharjah Islamic Bank to be Modestly Undervalued.

Key valuation signals for ADX:SIB:

  • EV-to-OCF: -0.05
  • GF Value™: د.إ3.20 vs. price of د.إ2.87 (10.3% below fair value)
  • GF Score™: 71/100 with 2 warning signs

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 Business Description

Address Sharjah Islamic Bank Tower, P.O. Box 4, Al Khan, Sharjah, ARE
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

Get the complete analysis for ADX:SIB

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

د.إ2.87
Price
د.إ3.20
GF Value