Emirates Islamic Bank PJSC (DFM:EIB) FCF Margin %: 111.27% (As of Mar. 2026) — 323% Above Median

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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.

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 FCF Margin %?

Emirates Islamic Bank PJSC DFM:EIB 14 FCF Margin % is 111.27% as of Mar. 2026, which is 323% above its 10-year median of 26.32. 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.

FCF Margin % is calculated as Free Cash Flow divided by its Revenue. Emirates Islamic Bank PJSC's Free Cash Flow for the three months ended in Mar. 2026 was د.إ1,721 Mil. Emirates Islamic Bank PJSC's Revenue for the three months ended in Mar. 2026 was د.إ1,547 Mil. Therefore, Emirates Islamic Bank PJSC's FCF Margin % for the quarter that ended in Mar. 2026 was 111.27%.

As of today, Emirates Islamic Bank PJSC's current FCF Yield % is 13.90%.

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

DFM:EIB' s FCF Margin % Range Over the Past 10 Years
Min: -181.76   Med: 26.32   Max: 288.31
Current: 138.46


During the past 13 years, the highest FCF Margin % of Emirates Islamic Bank PJSC was 288.31%. The lowest was -181.76%. And the median was 26.32%.

DFM:EIB's FCF Margin % is not ranked
in the Banks industry.
Industry Median: 26.55 vs DFM:EIB: 138.46


Emirates Islamic Bank PJSC FCF Margin % Related Terms


Emirates Islamic Bank PJSC FCF Margin % Historical Data

* Premium members only.

The historical data trend for Emirates Islamic Bank PJSC'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.

Emirates Islamic Bank PJSC FCF Margin % Chart

Emirates Islamic Bank PJSC 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 64.79 255.98 -173.20 -12.15 80.48

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
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 -123.95 741.43 -652.41 393.00 111.27

Emirates Islamic Bank PJSC FCF Margin % Competitor Comparison

For the Banks - Regional subindustry, Emirates Islamic Bank PJSC'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.


Emirates Islamic Bank PJSC FCF Margin % vs Banks Industry

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

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


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

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

Emirates Islamic Bank PJSC'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 )
=4678.929/5814.111
=80.48 %

Emirates Islamic Bank PJSC'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 )
=1721.418/1547.068
=111.27 %

* 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 111.27% mean?
Emirates Islamic Bank PJSC (DFM:EIB) has a FCF Margin % of 111.27% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Emirates Islamic Bank PJSC and its competitors. This is 323% above median its historical median of 26.32.
Is Emirates Islamic Bank PJSC's FCF Margin % too high?
Emirates Islamic Bank PJSC's current FCF Margin % of 111.27% is 323% above median its 10-year median of 26.32. The Banks industry median FCF Margin % is 26.55. Emirates Islamic Bank PJSC's value of 111.27% is 319.1% above 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 FCF Margin % compare to competitors?
Emirates Islamic Bank PJSC's FCF Margin % of 111.27% can be compared against companies in the Banks industry. The industry median FCF Margin % is 26.55. Emirates Islamic Bank PJSC's value of 111.27% is 319.1% above this benchmark. While the company's 10-year median is 26.32 vs. the industry median of 26.55, Emirates Islamic Bank PJSC has consistently been above 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.55, based on 1,507 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. Emirates Islamic Bank PJSC's current FCF Margin % of 111.27% is 319.1% above 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 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 Emirates Islamic Bank PJSC 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. Emirates Islamic Bank PJSC's current FCF Margin % is 111.27%, which is 323% above median its own 10-year median of 26.32. 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 FCF Margin % of 111.27%. 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 FCF Margin % is 111.27%, which is 323% above median its 10-year median of 26.32 and 319.1% above the Banks industry median of 26.55. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Emirates Islamic Bank PJSC (DFM:EIB), the current FCF Margin % is 111.27% 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 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:

  • FCF Margin %: 111.27% (323% above median its 10-year median of 26.32)
  • 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: 319.1% above 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

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FCF Margin % 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