Emirates Islamic Bank PJSC (DFM:EIB) EV-to-FCF: 4.49 (As of Jun. 28, 2026) — 34% Above Median


DFM:EIB Emirates Islamic Bank PJSC DFM:EIB
14 GF Score
Price د.إ10.85
GF Value د.إ10.81
! 1 Warning Sign
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What is Emirates Islamic Bank PJSC EV-to-FCF?

Emirates Islamic Bank PJSC DFM:EIB 14 EV-to-FCF is 4.49 as of Jun. 28, 2026, which is 34% above its 10-year median of 3.34. GuruFocus rates DFM:EIB with a GF Score™ of 14/100 and a GF Value™ of د.إ10.81. The stock has 1 warning sign investors should review.

EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Emirates Islamic Bank PJSC's Enterprise Value is د.إ36,820 Mil. Emirates Islamic Bank PJSC's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was د.إ8,192 Mil. Therefore, Emirates Islamic Bank PJSC's EV-to-FCF for today is 4.49.

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

DFM:EIB' s EV-to-FCF Range Over the Past 10 Years
Min: -73.76   Med: 3.34   Max: 67.09
Current: 4.49

During the past 13 years, the highest EV-to-FCF of Emirates Islamic Bank PJSC was 67.09. The lowest was -73.76. And the median was 3.34.

DFM:EIB's EV-to-FCF is not ranked
in the Banks industry.
Industry Median: 6.52 vs DFM:EIB: 4.49

EV-to-FCF 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 (2026-06-28), Emirates Islamic Bank PJSC's stock price is د.إ10.85. Emirates Islamic Bank PJSC's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 was د.إ0.586. Therefore, Emirates Islamic Bank PJSC's PE Ratio (TTM) for today is 18.52.


Emirates Islamic Bank PJSC  (DFM:EIB) EV-to-FCF Explanation

EV-to-FCF 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.

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

PE Ratio (TTM)=Share Price (Today)/Earnings per Share (Diluted) (TTM)
=10.85/0.586
=18.52

Emirates Islamic Bank PJSC's share price for today is د.إ10.85.
Emirates Islamic Bank PJSC's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was د.إ0.586.

* 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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.


Emirates Islamic Bank PJSC EV-to-FCF Related Terms


Emirates Islamic Bank PJSC EV-to-FCF Historical Data

* Premium members only.

The historical data trend for Emirates Islamic Bank PJSC's EV-to-FCF 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.

Emirates Islamic Bank PJSC EV-to-FCF Chart

Emirates Islamic Bank PJSC Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EV-to-FCF
Get a 7-Day Free Trial Premium Member Only Premium Member Only 25.91 3.37 -2.20 -43.22 7.58

Emirates 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
EV-to-FCF 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 -15.37 3.33 -15.90 7.58 4.49

Emirates Islamic Bank PJSC EV-to-FCF Competitor Comparison

For the Banks - Regional subindustry, Emirates Islamic Bank PJSC's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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.


Emirates Islamic Bank PJSC EV-to-FCF vs Banks Industry

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

* The bar in red indicates where Emirates Islamic Bank PJSC's EV-to-FCF falls into.


DFM:EIB
14GF Score
Emirates Islamic Bank PJSC DFM:EIB
EV-to-FCF is just one metric. See GF Score™, valuation, warning signs, and more.
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Emirates Islamic Bank PJSC EV-to-FCF Calculation

Emirates Islamic Bank PJSC's EV-to-FCF for today is calculated as:

EV-to-FCF=Enterprise Value (Today)/Free Cash Flow (TTM)
=36819.529/8192.055
=4.49

Emirates Islamic Bank PJSC's current Enterprise Value is د.إ36,820 Mil.
Emirates Islamic Bank PJSC's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was د.إ8,192 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-FCF →
What does a EV-to-FCF of 4.49 mean?
Emirates Islamic Bank PJSC (DFM:EIB) has a EV-to-FCF of 4.49 as of Jun. 28, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Emirates Islamic Bank PJSC and its competitors. This is 34% above median its historical median of 3.34.
Is Emirates Islamic Bank PJSC's EV-to-FCF too high?
Emirates Islamic Bank PJSC's current EV-to-FCF of 4.49 is 34% above median its 10-year median of 3.34. The Banks industry median EV-to-FCF is 6.52. Emirates Islamic Bank PJSC's value of 4.49 is 31.1% below this industry median. Overall, Emirates Islamic Bank PJSC has a GF Score™ of 14/100, reflecting its overall financial health beyond just this single metric.
How does Emirates Islamic Bank PJSC's EV-to-FCF compare to competitors?
Emirates Islamic Bank PJSC's EV-to-FCF of 4.49 can be compared against companies in the Banks industry. The industry median EV-to-FCF is 6.52. Emirates Islamic Bank PJSC's value of 4.49 is 31.1% below this benchmark. While the company's 10-year median is 3.34 vs. the industry median of 6.52, Emirates 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-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.52, based on 1,195 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Emirates Islamic Bank PJSC's current EV-to-FCF of 4.49 is 31.1% 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Emirates Islamic Bank PJSC and its competitors. For the Banks industry, the median EV-to-FCF is 6.52 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Emirates Islamic Bank PJSC's current EV-to-FCF is 4.49, which is 34% above median its own 10-year median of 3.34. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Emirates Islamic Bank PJSC stock overvalued right now?
Emirates Islamic Bank PJSC (DFM:EIB) has a current EV-to-FCF of 4.49. The stock's GF Value™ is د.إ10.81, compared to a current price of د.إ10.85 — trading 0.4% above its estimated fair value. The current EV-to-FCF is 4.49, which is 34% above median its 10-year median of 3.34 and 31.1% below the Banks industry median of 6.52. Emirates Islamic Bank PJSC's overall GF Score™ is 14/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Emirates Islamic Bank PJSC (DFM:EIB), the current EV-to-FCF is 4.49 as of Jun. 28, 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 Emirates Islamic Bank PJSC (DFM:EIB) Overvalued in 2026?

Based on GuruFocus' analysis, Emirates Islamic Bank PJSC stock appears to be overvalued. The current stock price of د.إ10.85 is trading 0.4% above its estimated GF Value™ of د.إ10.81.

Key valuation signals for DFM:EIB:

  • EV-to-FCF: 4.49 (34% above median its 10-year median of 3.34)
  • GF Value™: د.إ10.81 vs. price of د.إ10.85 (0.4% above fair value)
  • GF Score™: 14/100 with 1 warning sign
  • Industry Position: 31.1% below the Banks median

No single metric tells the full story. See the DFM:EIB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Emirates Islamic Bank PJSC Business Description

Address Dubai Health Care City, P.O. Box 6564, 3rd Floor, Building 16, Dubai, ARE
Emirates Islamic Bank PJSC provides full commercial and banking services and offers various products through Islamic financing and investing instruments following Islamic Sharia. The group's activities comprise three business segments: Corporate and institutional banking, Retail banking and wealth management, Treasury, and Others. Substantial revenue is generated from Retail banking and wealth management segment.
14GF Score

Get the complete analysis for DFM:EIB

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

د.إ10.85
Price
د.إ10.81
GF Value