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Dubai Islamic Bank PJSCDFM:DIB 67 EV-to-OCF is 0.16 as of Jul. 23, 2026, which is 75% below its 10-year median of 0.63. GuruFocus rates DFM:DIB with a GF Score™ of 67/100 and a GF Value™ of د.إ7.47 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,495 Banks companies, Dubai Islamic Bank PJSC ranks better than 67.83% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, Dubai Islamic Bank PJSC's Enterprise Value is د.إ720 Mil.
Dubai Islamic Bank PJSC's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 was د.إ4,528 Mil. Therefore, Dubai Islamic Bank PJSC's EV-to-OCF for today is 0.16.
The historical rank and industry rank for Dubai Islamic Bank PJSC's EV-to-OCF or its related term are showing as below:
DFM:DIB'
s EV-to-OCF Range Over the Past 10 Years
Min: -67.54 Med: 0.63 Max: 22.36
Current: 0.16
During the past 13 years, the highest EV-to-OCF of Dubai Islamic Bank PJSC was 22.36. The lowest was -67.54. And the median was 0.63.
DFM:DIB's EV-to-OCF is ranked better than 67.83% of 1495
companies
in the Banks industry
Industry Median: 3.73
vs DFM:DIB: 0.16
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.
Dubai Islamic Bank PJSC (DFM:DIB) 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.
Dubai Islamic Bank PJSC's PE Ratio (TTM) for today is calculated as:
Dubai Islamic Bank PJSC's share price for today is د.إ7.34.
Dubai Islamic Bank PJSC'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.إ1.010.
* 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.
* 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 EV-to-OCF Competitor Comparison
For the Banks - Regional subindustry, Dubai Islamic Bank PJSC'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.
Dubai Islamic Bank PJSC EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, Dubai Islamic Bank PJSC's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Dubai Islamic Bank PJSC's EV-to-OCF falls into.
Dubai Islamic Bank PJSC's current Enterprise Value is د.إ720 Mil.
Dubai Islamic Bank PJSC'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.إ4,528 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.
Dubai Islamic Bank PJSC (DFM:DIB) has a EV-to-OCF of 0.16 as of Jul. 23, 2026. This is 75% below median its historical median of 0.63. According to the industry distribution chart, Dubai Islamic Bank PJSC ranks #481 out of 1495 companies in the Banks industry, placing it in the top 32.2%.
Is Dubai Islamic Bank PJSC's EV-to-OCF too high?
Dubai Islamic Bank PJSC's current EV-to-OCF of 0.16 is 75% below median its 10-year median of 0.63. The Banks industry median EV-to-OCF is 3.73. Dubai Islamic Bank PJSC's value of 0.16 is 95.7% below this industry median. Based on the distribution chart, Dubai Islamic Bank PJSC ranks #481 out of 1495 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 EV-to-OCF compare to competitors?
According to the Banks industry distribution chart, Dubai Islamic Bank PJSC ranks #481 out of 1495 companies for EV-to-OCF. This puts Dubai Islamic Bank PJSC in the upper half of its industry. The industry median EV-to-OCF is 3.73. Dubai Islamic Bank PJSC's value of 0.16 is 95.7% below this benchmark. While the company's 10-year median is 0.63 vs. the industry median of 3.73, 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 EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 3.73, based on 1,495 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. Dubai Islamic Bank PJSC's current EV-to-OCF of 0.16 is 95.7% 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 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 3.73 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Dubai Islamic Bank PJSC's current EV-to-OCF is 0.16, which is 75% below median its own 10-year median of 0.63. 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.إ7.47, compared to a current price of د.إ7.34 — trading 1.7% below its estimated fair value. The current EV-to-OCF is 0.16, which is 75% below median its 10-year median of 0.63 and 95.7% below the Banks industry median of 3.73. 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 EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Dubai Islamic Bank PJSC (DFM:DIB), the current EV-to-OCF is 0.16 as of Jul. 23, 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.إ7.34 is trading 1.7% below its estimated GF Value™ of د.إ7.47.
GuruFocus considers Dubai Islamic Bank PJSC to be Fairly Valued.
Key valuation signals for DFM:DIB:
EV-to-OCF: 0.16 (75% below median its 10-year median of 0.63)
GF Value™: د.إ7.47 vs. price of د.إ7.34 (1.7% below fair value)
Industry Position: 95.7% below the Banks median (#481 of 1495)
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
EV-to-OCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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