Abu Dhabi Islamic Bank (ADX:ADIB) FCF Margin %: -13.64% (As of Mar. 2026)


ADX:ADIB Abu Dhabi Islamic Bank ADX:ADIB
65 GF Score
Price د.إ20.98
GF Value د.إ19.49
Valuation Fairly Valued
! 2 Warning Signs
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What is Abu Dhabi Islamic Bank FCF Margin %?

Abu Dhabi Islamic Bank ADX:ADIB +1.94% 65 FCF Margin % is -13.64% as of Mar. 2026. GuruFocus rates ADX:ADIB with a GF Score™ of 65/100 and a GF Value™ of د.إ19.49 (Fairly Valued). The stock has 2 warning signs investors should review. Among 1,505 Banks companies, Abu Dhabi Islamic Bank ranks worse than 82.52% on this metric.

FCF Margin % is calculated as Free Cash Flow divided by its Revenue. Abu Dhabi Islamic Bank's Free Cash Flow for the three months ended in Mar. 2026 was د.إ-431 Mil. Abu Dhabi Islamic Bank's Revenue for the three months ended in Mar. 2026 was د.إ3,158 Mil. Therefore, Abu Dhabi Islamic Bank's FCF Margin % for the quarter that ended in Mar. 2026 was -13.64%.

As of today, Abu Dhabi Islamic Bank's current FCF Yield % is -5.61%.

The historical rank and industry rank for Abu Dhabi Islamic Bank's FCF Margin % or its related term are showing as below:

ADX:ADIB' s FCF Margin % Range Over the Past 10 Years
Min: -34.03   Med: 52.06   Max: 136.84
Current: -34.03


During the past 13 years, the highest FCF Margin % of Abu Dhabi Islamic Bank was 136.84%. The lowest was -34.03%. And the median was 52.06%.

ADX:ADIB's FCF Margin % is ranked worse than
82.52% of 1505 companies
in the Banks industry
Industry Median: 26.55 vs ADX:ADIB: -34.03


Abu Dhabi Islamic Bank FCF Margin % Related Terms


Abu Dhabi Islamic Bank FCF Margin % Historical Data

* Premium members only.

The historical data trend for Abu Dhabi Islamic Bank's FCF Margin % 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.

Abu Dhabi Islamic Bank FCF Margin % Chart

Abu Dhabi Islamic Bank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
FCF Margin %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 13.58 98.91 136.84 64.77 67.33

Abu Dhabi Islamic Bank Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
FCF Margin % 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 425.85 58.01 36.52 -212.88 -13.64

Abu Dhabi Islamic Bank FCF Margin % Competitor Comparison

For the Banks - Regional subindustry, Abu Dhabi Islamic Bank's FCF Margin %, along with its competitors' market caps and FCF Margin % 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.


Abu Dhabi Islamic Bank FCF Margin % vs Banks Industry

For the Banks industry and Financial Services sector, Abu Dhabi Islamic Bank's FCF Margin % distribution charts can be found below:

* The bar in red indicates where Abu Dhabi Islamic Bank's FCF Margin % falls into.


ADX:ADIB
65GF Score
Abu Dhabi Islamic Bank ADX:ADIB
FCF Margin % is just one metric. See GF Score™, valuation, warning signs, and more.
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Abu Dhabi Islamic Bank FCF Margin % Calculation

FCF margin is the ratio of Free Cash Flow divided by net sales or Revenue, usually presented in percent.

Abu Dhabi Islamic Bank's FCF Margin for the fiscal year that ended in Dec. 2025 is calculated as

FCF Margin=Free Cash Flow (A: Dec. 2025 )/Revenue (A: Dec. 2025 )
=8249.945/12253.476
=67.33 %

Abu Dhabi Islamic Bank's FCF Margin for the quarter that ended in Mar. 2026 is calculated as

FCF Margin=Free Cash Flow (Q: Mar. 2026 )/Revenue (Q: Mar. 2026 )
=-430.845/3158.193
=-13.64 %

* 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 FCF Margin % →
What does a FCF Margin % of -13.64% mean?
Abu Dhabi Islamic Bank (ADX:ADIB) has a FCF Margin % of -13.64% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Abu Dhabi Islamic Bank and its competitors. According to the industry distribution chart, Abu Dhabi Islamic Bank ranks #1242 out of 1505 companies in the Banks industry, placing it in the top 82.5%.
Is Abu Dhabi Islamic Bank's FCF Margin % too high?
Abu Dhabi Islamic Bank's current FCF Margin % is -13.64%. Based on the distribution chart, Abu Dhabi Islamic Bank ranks #1242 out of 1505 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Abu Dhabi Islamic Bank has a GF Score™ of 65/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Abu Dhabi Islamic Bank's FCF Margin % compare to competitors?
According to the Banks industry distribution chart, Abu Dhabi Islamic Bank ranks #1242 out of 1505 companies for FCF Margin %. This places Abu Dhabi Islamic Bank in the lower half of its industry. The industry median FCF Margin % is 26.55. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.55, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Abu Dhabi Islamic Bank and its competitors. For the Banks industry, the median FCF Margin % is 26.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Abu Dhabi Islamic Bank's current FCF Margin % is -13.64%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Abu Dhabi Islamic Bank stock overvalued right now?
Based on GuruFocus' analysis, Abu Dhabi Islamic Bank (ADX:ADIB) is currently considered Fairly Valued. The stock's GF Value™ is د.إ19.49, compared to a current price of د.إ20.98 — trading 7.6% above its estimated fair value. The current FCF Margin % is -13.64%. Abu Dhabi Islamic Bank's overall GF Score™ is 65/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Abu Dhabi Islamic Bank (ADX:ADIB), the current FCF Margin % is -13.64% 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 Abu Dhabi Islamic Bank (ADX:ADIB) Overvalued in 2026?

Based on GuruFocus' analysis, Abu Dhabi Islamic Bank stock appears to be overvalued. The current stock price of د.إ20.98 is trading 7.6% above its estimated GF Value™ of د.إ19.49. GuruFocus considers Abu Dhabi Islamic Bank to be Fairly Valued.

Key valuation signals for ADX:ADIB:

  • FCF Margin %: -13.64%
  • GF Value™: د.إ19.49 vs. price of د.إ20.98 (7.6% above fair value)
  • GF Score™: 65/100 with 2 warning signs

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


Abu Dhabi Islamic Bank Business Description

Address Sheikh Rashid Bin Saeed Street, Old Airport Road, opposite to Millennium Al Rawdah Hotel, Abu Dhabi, ARE
Abu Dhabi Islamic Bank is a banking corporation based in the United Arab Emirates. The bank is one of the regional Islamic services groups having a presence in countries like United Kingdoms, Iraq, Saudi Arabia, and Qatar and generates its revenues from its foreign operations. The activities of the bank like banking, financing, and investing are the pillars of its business. The banking and financing services comprise regional banking operations such as retail banking and its investing business includes capital market operations. The company conducts its operations through retail banking, which is its main revenue generator, wholesale banking, treasury, and other segments.
65GF Score

Get the complete analysis for ADX:ADIB

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

د.إ20.98
Price
د.إ19.49
GF Value