Dubai Islamic Bank PJSC (DFM:DIB) FCF Yield %: 7.42 (As of Aug. 10, 2026) — 58% Below Median

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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.

DFM:DIB Dubai Islamic Bank PJSC DFM:DIB
61 GF Score
Price د.إ7.53
GF Value د.إ7.49
Valuation Fairly Valued
! 3 Warning Signs
View Full Analysis

What is Dubai Islamic Bank PJSC FCF Yield %?

Dubai Islamic Bank PJSC DFM:DIB -0.26% 61 FCF Yield % is 7.42 as of Aug. 10, 2026, which is 58% below its 10-year median of 17.50. GuruFocus rates DFM:DIB with a GF Score™ of 61/100 and a GF Value™ of د.إ7.49 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,501 Banks companies, Dubai Islamic Bank PJSC ranks worse than 52.96% on this metric.

FCF Yield % is calculated as Free Cash Flow divided by Market Capitalization. It is a financial solvency ratio that compares the free cash flow a company is expected to earn against its market value.

As of today, Dubai Islamic Bank PJSC's Trailing 12-Month Free Cash Flow is د.إ4,051 Mil, and Market Cap is د.إ54,565 Mil. Therefore, Dubai Islamic Bank PJSC's FCF Yield % for today is 7.42%.

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

DFM:DIB' s FCF Yield % Range Over the Past 10 Years
Min: -32.36   Med: 17.5   Max: 86.2
Current: 7.42


During the past 13 years, the highest FCF Yield % of Dubai Islamic Bank PJSC was 86.20%. The lowest was -32.36%. And the median was 17.50%.

DFM:DIB's FCF Yield % is ranked worse than
52.96% of 1501 companies
in the Banks industry
Industry Median: 8.03 vs DFM:DIB: 7.42

Dubai Islamic Bank PJSC's FCF Margin % for the quarter that ended in Jun. 2026 was -260.20%.


Dubai Islamic Bank PJSC FCF Yield % Explanation

Similar to Earnings Yield %, FCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high free cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.


Dubai Islamic Bank PJSC FCF Yield % Related Terms


Dubai Islamic Bank PJSC FCF Yield % Historical Data

* Premium members only.

The historical data trend for Dubai Islamic Bank PJSC's FCF Yield % 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.

Dubai Islamic Bank PJSC FCF Yield % Chart

Dubai Islamic Bank PJSC Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
FCF Yield %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 14.81 17.27 48.23 29.26 18.81

Dubai Islamic Bank PJSC Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
FCF Yield % 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 5.83 48.53 -34.40 72.19 -60.44

Dubai Islamic Bank PJSC FCF Yield % Competitor Comparison

For the Banks - Regional subindustry, Dubai Islamic Bank PJSC's FCF Yield %, along with its competitors' market caps and FCF Yield % 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 FCF Yield % vs Banks Industry

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

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


DFM:DIB
61GF Score
Dubai Islamic Bank PJSC DFM:DIB
FCF Yield % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Dubai Islamic Bank PJSC FCF Yield % Calculation

FCF Yield % is a financial solvency ratio that compares the free cash flow a company is expected to earn against its market value.

Dubai Islamic Bank PJSC's FCF Yield % for the fiscal year that ended in Dec. 2025 is calculated as

FCF Yield %=Free Cash Flow / Market Cap
=12598.608 / 66995.31897
=18.81%

Dubai Islamic Bank PJSC's annualized FCF Yield % for the quarter that ended in Jun. 2026 is calculated as

FCF Yield %=Free Cash Flow * Annualized Factor / Market Cap
=-8135.306 * 4 / 53841.97695
=-60.44%

* 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 Yield % →
What does a FCF Yield % of 7.42 mean?
Dubai Islamic Bank PJSC (DFM:DIB) has a FCF Yield % of 7.42 as of Aug. 10, 2026. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Dubai Islamic Bank PJSC and its competitors. This is 58% below median its historical median of 17.50. According to the industry distribution chart, Dubai Islamic Bank PJSC ranks #795 out of 1501 companies in the Banks industry, placing it in the top 53%.
Is Dubai Islamic Bank PJSC's FCF Yield % too high?
Dubai Islamic Bank PJSC's current FCF Yield % of 7.42 is 58% below median its 10-year median of 17.50. The Banks industry median FCF Yield % is 8.03. Dubai Islamic Bank PJSC's value of 7.42 is 7.6% below this industry median. Based on the distribution chart, Dubai Islamic Bank PJSC ranks #795 out of 1501 companies in the Banks industry, which is below the industry midpoint. Overall, Dubai Islamic Bank PJSC has a GF Score™ of 61/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Dubai Islamic Bank PJSC's FCF Yield % compare to competitors?
According to the Banks industry distribution chart, Dubai Islamic Bank PJSC ranks #795 out of 1501 companies for FCF Yield %. This places Dubai Islamic Bank PJSC in the lower half of its industry. The industry median FCF Yield % is 8.03. Dubai Islamic Bank PJSC's value of 7.42 is 7.6% below this benchmark. While the company's 10-year median is 17.50 vs. the industry median of 8.03, 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 FCF Yield % for a Banks company?
The median FCF Yield % among Banks companies is 8.03, based on 1,501 companies in the industry. Companies in the top quartile (top 25%) have a FCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, FCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Dubai Islamic Bank PJSC's current FCF Yield % of 7.42 is 7.6% 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 FCF Yield % mean?
A high FCF Yield % can signal that a stock is expensive relative to its fundamentals. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Dubai Islamic Bank PJSC and its competitors. For the Banks industry, the median FCF Yield % is 8.03 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Dubai Islamic Bank PJSC's current FCF Yield % is 7.42, which is 58% below median its own 10-year median of 17.50. 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.إ7.49, compared to a current price of د.إ7.53 — trading 0.5% above its estimated fair value. The current FCF Yield % is 7.42, which is 58% below median its 10-year median of 17.50 and 7.6% below the Banks industry median of 8.03. Dubai Islamic Bank PJSC's overall GF Score™ is 61/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Yield % calculated?
FCF Yield % is calculated from a company's financial statements. For Dubai Islamic Bank PJSC (DFM:DIB), the current FCF Yield % is 7.42 as of Aug. 10, 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 overvalued. The current stock price of د.إ7.53 is trading 0.5% above its estimated GF Value™ of د.إ7.49. GuruFocus considers Dubai Islamic Bank PJSC to be Fairly Valued.

Key valuation signals for DFM:DIB:

  • FCF Yield %: 7.42 (58% below median its 10-year median of 17.50)
  • GF Value™: د.إ7.49 vs. price of د.إ7.53 (0.5% above fair value)
  • GF Score™: 61/100 with 3 warning signs
  • Industry Position: 7.6% below the Banks median (#795 of 1501)

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 Business Description

Address Building 2, Al Maktoum Road, P.O. Box 1080, Opposite DNATA, Deira, Dubai, ARE
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.
61GF Score

Get the complete analysis for DFM:DIB

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

د.إ7.53
Price
د.إ7.49
GF Value