Good or high score = 7, 8, 9
Bad or low score = 0, 1, 2, 3
Abu Dhabi Islamic Bank - Egypt has an F-score of 6 indicating the company's financial situation is typical for a stable company.
The historical rank and industry rank for Abu Dhabi Islamic Bank - Egypt's Piotroski F-Score or its related term are showing as below:
CAI:ADIB'
s Piotroski F-Score Range Over the Past 10 Years
Min: 3 Med: 7 Max: 9
Current: 6
During the past 13 years, the highest Piotroski F-Score of Abu Dhabi Islamic Bank - Egypt was 9. The lowest was 3. And the median was 7.
Abu Dhabi Islamic Bank - Egypt (CAI:ADIB) Piotroski F-Score Explanation
The developer of the system is Joseph D. Piotroski is relatively unknown accounting professor who shuns publicity and rarely gives interviews.
He graduated from the University of Illinois with a B.S. in accounting in 1989, received an M.B.A. from Indiana University in 1994. Five years later, in 1999, after earning a Ph.D. in accounting from the University of Michigan, he became an associate professor of accounting at the University of Chicago.
He wanted to see if he can develop a system (using a simple nine-point scoring system) that can increase the returns of a strategy of investing in low price to book (referred to in the paper as high book to market) value companies.
What he found was something that exceeded his most optimistic expectations.
Buying only those companies that scored highest (8 or 9) on his nine-point scale, or F-Score as he called it, over the 20 year period from 1976 to 1996 led to an average out-performance over the market of 13.4%.
Even more impressive were the results of a strategy of investing in the highest F-Score companies (8 or 9) and shorting companies with the lowest F-Score (0 or 1).
Over the same period from 1976 to 1996 (20 years) this strategy led to an average yearly return of 23%, substantially outperforming the average S&P 500 index return of 15.83% over the same period.
Abu Dhabi Islamic Bank - Egypt Piotroski F-Score Related Terms
Abu Dhabi Islamic Bank - Egypt Piotroski F-Score Historical Data
* 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 - Egypt Piotroski F-Score Chart
Abu Dhabi Islamic Bank - Egypt Piotroski F-Score Competitor Comparison
For the Banks - Regional subindustry, Abu Dhabi Islamic Bank - Egypt's Piotroski F-Score, along with its competitors' market caps and Piotroski F-Score 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 - Egypt Piotroski F-Score vs Banks Industry
For the Banks industry and Financial Services sector, Abu Dhabi Islamic Bank - Egypt's Piotroski F-Score distribution charts can be found below:
* The bar in red indicates where Abu Dhabi Islamic Bank - Egypt's Piotroski F-Score falls into.
* 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.
This Year (Mar26) TTM:
Last Year (Mar25) TTM:
Net Income was 3192.534 + 3207.379 + 3155.769 + 3654.968 = E£13,211 Mil. Cash Flow from Operations was -2255.913 + 3281.167 + 7561.5 + 24966.237 = E£33,553 Mil. Revenue was 5781.744 + 5947.144 + 6062.128 + 6883.01 = E£24,674 Mil.
Average Total Assets from the begining of this year (Mar25)
to the end of this year (Mar26) was
(283997.817 + 298101.918 + 325772.885 + 346711.205 + 394477.005) / 5 = E£329812.166 Mil. Total Assets at the begining of this year (Mar25) was E£283,998 Mil. Long-Term Debt & Capital Lease Obligation was E£11,529 Mil. Total Assets was E£394,477 Mil. Total Liabilities was E£357,656 Mil.
Net Income was 2458.153 + 2227.509 + 2207.404 + 3032.89 = E£9,926 Mil.
Revenue was 4359.28 + 4647.509 + 4861.175 + 5433.25 = E£19,301 Mil.
Average Total Assets from the begining of last year (Mar24)
to the end of last year (Mar25) was
(191043.934 + 210758.861 + 239325.508 + 260467.106 + 283997.817) / 5 = E£237118.6452 Mil. Total Assets at the begining of last year (Mar24) was E£191,044 Mil. Long-Term Debt & Capital Lease Obligation was E£10,455 Mil. Total Assets was E£283,998 Mil. Total Liabilities was E£259,003 Mil.
*Note: If the latest quarterly/semi-annual/annual total assets data is 0, then we will use previous quarterly/semi-annual/annual data for all the items in the balance sheet.
Profitability
Question 1. Return on Assets (ROA)
Net income before extraordinary items for the year divided by Total Assets at the beginning of the year.
Score 1 if positive, 0 if negative.
Abu Dhabi Islamic Bank - Egypt's current Net Income (TTM) was 13,211.
==> Positive ==> Score 1.
Question 2. Cash Flow Return on Assets (CFROA)
Net cash flow from operating activities (operating cash flow) divided by Total Assets at the beginning of the year.
Score 1 if positive, 0 if negative.
Abu Dhabi Islamic Bank - Egypt's current Cash Flow from Operations (TTM) was 33,553.
==> Positive ==> Score 1.
Question 3. Change in Return on Assets
Compare this year's return on assets (1) to last year's return on assets.
Abu Dhabi Islamic Bank - Egypt's return on assets of this year was 0.04651673. Abu Dhabi Islamic Bank - Egypt's return on assets of last year was 0.0519564.
==> Last year is higher ==> Score 0.
Question 4. Quality of Earnings (Accrual)
Compare Cash flow return on assets (2) to return on assets (1)
Abu Dhabi Islamic Bank - Egypt's gearing of this year was 0.03495511. Abu Dhabi Islamic Bank - Egypt's gearing of last year was 0.04409392.
==> This year is lower or equal to last year. ==> Score 1.
Question 6. Change in Working Capital (Liquidity)
Compare this year's current ratio (current assets divided by current liabilities) to last year's current ratio.
Score 1 if this year's current ratio is higher, 0 if it's lower
* Note that for banks and insurance companies, there's no Total Current Assets and Total Current Liabilities reported. Thus, we use Total Assets and Total Liabilities to calculate current ratio for banks and insurance companies.
Abu Dhabi Islamic Bank - Egypt's current ratio of this year was 1.10295088. Abu Dhabi Islamic Bank - Egypt's current ratio of last year was 1.09650608.
==> This year's current ratio is higher. ==> Score 1.
Question 7. Change in Shares in Issue
Compare the number of shares in issue this year, to the number in issue last year.
Score 0 if there is larger number of shares in issue this year, 1 otherwise.
Abu Dhabi Islamic Bank - Egypt's number of shares in issue this year was 1384.458. Abu Dhabi Islamic Bank - Egypt's number of shares in issue last year was 1377.921.
==> There is larger number of shares in issue this year. ==> Score 0.
Efficiency
Question 8. Change in Gross Margin
Compare this year's gross margin (Gross Profit divided by sales) to last year's.
Score 1 if this year's gross margin is higher, 0 if it's lower.
* Note that for banks and insurance companies, there's no Gross Profit reported. Thus, we use net income instead of gross profit and calculate Net Margin for this score.
Abu Dhabi Islamic Bank - Egypt's net margin of this year was 0.53540715. Abu Dhabi Islamic Bank - Egypt's net margin of last year was 0.51426589.
==> This year's net margin is higher. ==> Score 1.
Question 9. Change in asset turnover
Compare this year's asset turnover (total sales for the year divided by total assets at the beginning of the year) to last year's asset turnover ratio.
Score 1 if this year's asset turnover ratio is higher, 0 if it's lower
Abu Dhabi Islamic Bank - Egypt's asset turnover of this year was 0.08688104. Abu Dhabi Islamic Bank - Egypt's asset turnover of last year was 0.10103024.
==> Last year's asset turnover is higher ==> Score 0.
Evaluation
Piotroski F-Score
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6
Good or high score = 7, 8, 9
Bad or low score = 0, 1, 2, 3
Abu Dhabi Islamic Bank - Egypt has an F-score of 6 indicating the company's financial situation is typical for a stable company.
Abu Dhabi Islamic Bank - Egypt (CAI:ADIB) has a Piotroski F-Score of 6 as of Jun. 26, 2026. The Piotroski F-score grades a company's business operating strength from 0-9. View historical data on Abu Dhabi Islamic Bank - Egypt and its competitors. This is 14% below median its historical median of 7.00. Over the past decade, Abu Dhabi Islamic Bank - Egypt's Piotroski F-Score has ranged from 3.00 to 9.00. According to the industry distribution chart, Abu Dhabi Islamic Bank - Egypt ranks #592 out of 1498 companies in the Banks industry, placing it in the top 39.5%.
Is Abu Dhabi Islamic Bank - Egypt's Piotroski F-Score too high?
Abu Dhabi Islamic Bank - Egypt's current Piotroski F-Score of 6 is 14% below median its 10-year median of 7.00. Over the past 10 years, this metric has ranged from a low of 3.00 to a high of 9.00. The Banks industry median Piotroski F-Score is 6.00. Abu Dhabi Islamic Bank - Egypt's value of 6 is 0% at this industry median. Based on the distribution chart, Abu Dhabi Islamic Bank - Egypt ranks #592 out of 1498 companies in the Banks industry, which is above the industry midpoint. Overall, Abu Dhabi Islamic Bank - Egypt has a GF Score™ of 48/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Abu Dhabi Islamic Bank - Egypt's Piotroski F-Score compare to competitors?
According to the Banks industry distribution chart, Abu Dhabi Islamic Bank - Egypt ranks #592 out of 1498 companies for Piotroski F-Score. This puts Abu Dhabi Islamic Bank - Egypt in the upper half of its industry. The industry median Piotroski F-Score is 6.00. Abu Dhabi Islamic Bank - Egypt's value of 6 is 0% at this benchmark. Historically, Abu Dhabi Islamic Bank - Egypt's own Piotroski F-Score has ranged from 3.00 to 9.00 over the past decade. While the company's 10-year median is 7.00 vs. the industry median of 6.00, Abu Dhabi Islamic Bank - Egypt has consistently been at 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 Piotroski F-Score for a Banks company?
The median Piotroski F-Score among Banks companies is 6.00, based on 1,498 companies in the industry. Companies in the top quartile (top 25%) have a Piotroski F-Score significantly above this median, while those in the bottom quartile fall well below. However, Piotroski F-Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Abu Dhabi Islamic Bank - Egypt's current Piotroski F-Score of 6 is 0% at 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 Piotroski F-Score mean?
A high Piotroski F-Score can signal that a stock is expensive relative to its fundamentals. The Piotroski F-score grades a company's business operating strength from 0-9. View historical data on Abu Dhabi Islamic Bank - Egypt and its competitors. For the Banks industry, the median Piotroski F-Score is 6.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Abu Dhabi Islamic Bank - Egypt's current Piotroski F-Score is 6, which is 14% below median its own 10-year median of 7.00. 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 - Egypt stock overvalued right now?
Based on GuruFocus' analysis, Abu Dhabi Islamic Bank - Egypt (CAI:ADIB) is currently considered Significantly Overvalued. The stock's GF Value™ is E£28.69, compared to a current price of E£44.65 — trading 55.6% above its estimated fair value. The current Piotroski F-Score is 6, which is 14% below median its 10-year median of 7.00 and 0% at the Banks industry median of 6.00. Abu Dhabi Islamic Bank - Egypt's overall GF Score™ is 48/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Piotroski F-Score calculated?
Piotroski F-Score is calculated from a company's financial statements. For Abu Dhabi Islamic Bank - Egypt (CAI:ADIB), the current Piotroski F-Score is 6 as of Jun. 26, 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 - Egypt (CAI:ADIB) Overvalued in 2026?
Based on GuruFocus' analysis, Abu Dhabi Islamic Bank - Egypt stock appears to be overvalued.
The current stock price of E£44.65 is trading 55.6% above its estimated GF Value™ of E£28.69.
GuruFocus considers Abu Dhabi Islamic Bank - Egypt to be Significantly Overvalued.
Key valuation signals for CAI:ADIB:
Piotroski F-Score: 6 (14% below median its 10-year median of 7.00)
GF Value™: E£28.69 vs. price of E£44.65 (55.6% above fair value)
Industry Position: 0% at the Banks median (#592 of 1498)
No single metric tells the full story. See the CAI:ADIB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Abu Dhabi Islamic Bank - Egypt Business Description
Abu Dhabi Islamic Bank - Egypt is engaged in the provision of banking services. The bank operates in the following segments :Large, medium and small enterprises, Investment, Retail, and other activities. It provides personal banking solutions comprising of current, SMART, tiered monthly saving account, wealth management services, bancassurance, and various credit and debit card facilities. Additionally, the bank renders corporate finance, and treasury services comprising of foreign exchange, sharia-compliant products, and market analysis. Further, it also grants Islamic options for the letter of guarantee and letter of credit.
48GF Score
Get the complete analysis for CAI:ADIB
Piotroski F-Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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