Dubai Islamic Bank PJSCDFM:DIB -0.39%67 Graham Number is د.إ12.09 as of Mar. 2026, which is 100% below its 10-year median of 0.63. GuruFocus rates DFM:DIB with a GF Score™ of 67/100 and a GF Value™ of د.إ7.45 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,436 Banks companies, Dubai Islamic Bank PJSC ranks better than 72.01% on this metric.
Graham Number is a figure that measures a stock's fundamental value by taking into account the company's earnings per share and book value per share. The Graham number is the upper bound of the price range that a defensive investor should pay for the stock. According to the theory, any stock price below the Graham number is considered undervalued, and thus worth investing in.
The historical rank and industry rank for Dubai Islamic Bank PJSC's Graham Number or its related term are showing as below:
DFM:DIB'
s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.49 Med: 0.63 Max: 0.79
Current: 0.63
During the past 13 years, the highest Price to Graham Number ratio of Dubai Islamic Bank PJSC was 0.79. The lowest was 0.49. And the median was 0.63.
DFM:DIB's Price-to-Graham-Number is ranked better than 72.01% of 1436
companies
in the Banks industry
Industry Median: 0.8
vs DFM:DIB: 0.63
Graham Number is a combination of asset valuation and earnings power valuation. It is a very conservative way of valuing a stock.
Dubai Islamic Bank PJSC (DFM:DIB) Graham Number Explanation
Ben Graham actually did not publish a formula like this. But he wrote in The Intelligent Investor (1948 version) regarding to the criteria for purchases:
Current price should not be more than 15 times average earnings of the past three years.
Current price should not be more than 1.5 times the book value last reported. However, a multiplier of earnings below 15 could justify a correspondingly higher multiplier of assets. As a rule of thumb we suggest that the product of the multiplier times the ratio of price to book value should not exceed 22.5. (This figure corresponds to 15 times earnings and 1.5 times book value. It would admit an issue selling at only 9 times earnings and 2.5 times asset value, etc.)
Unlike valuation methods such as DCF or Discounted Earnings, the Graham number does not take growth into the valuation. Unlike the valuation methods based on book value alone, it takes into account the earnings power. Therefore, the Graham Number is a combination of asset valuation and earnings power valuation.
In general, the Graham number is a very conservative way of valuing a stock. It cannot be applied to companies with negative book values.
Dubai Islamic Bank PJSC's Price to Graham number Ratio for today is calculated as
Price to Graham number
=
Share Price (Today)
/
Graham number (Q: Mar. 2026 )
=
7.65
/
12.09
=
0.63
* 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.
Be Aware
Please keep these in mind:
1. Graham Number does not take growth into account. Therefore it underestimates the values of the companies that have good earnings growth. We feel that if the earnings per share grows more than 10% a year, Graham Number underestimates the value.
2. Graham Number punishes the companies that have temporarily low earnings. Therefore, an average of earnings makes more sense in the calculation of Graham Number.
3. Graham Numbers underestimates companies that are light with book.
Dubai Islamic Bank PJSC Graham Number Related Terms
Dubai Islamic Bank PJSC Graham Number 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.
Dubai Islamic Bank PJSC Graham Number Competitor Comparison
For the Banks - Regional subindustry, Dubai Islamic Bank PJSC's Price-to-Graham-Number, along with its competitors' market caps and Price-to-Graham-Number 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 Price-to-Graham-Number vs Banks Industry
For the Banks industry and Financial Services sector, Dubai Islamic Bank PJSC's Price-to-Graham-Number distribution charts can be found below:
* The bar in red indicates where Dubai Islamic Bank PJSC's Price-to-Graham-Number 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.
Dubai Islamic Bank PJSC (DFM:DIB) has a Graham Number of د.إ12.09 as of Mar. 2026. The Graham Number values a company based on its per-share earnings and book value. View historical data on Dubai Islamic Bank PJSC and its competitors. This is 81% below median its historical median of 0.63. Over the past decade, Dubai Islamic Bank PJSC's Graham Number has ranged from 0.49 to 0.79. According to the industry distribution chart, Dubai Islamic Bank PJSC ranks #402 out of 1436 companies in the Banks industry, placing it in the top 28%.
Is Dubai Islamic Bank PJSC's Graham Number too high?
Dubai Islamic Bank PJSC's current Graham Number of د.إ12.09 is 81% below median its 10-year median of 0.63. Over the past 10 years, this metric has ranged from a low of 0.49 to a high of 0.79. Based on the distribution chart, Dubai Islamic Bank PJSC ranks #402 out of 1436 companies in the Banks industry, which is above the industry midpoint. Overall, Dubai Islamic Bank PJSC has a GF Score™ of 67/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Dubai Islamic Bank PJSC's Graham Number compare to competitors?
According to the Banks industry distribution chart, Dubai Islamic Bank PJSC ranks #402 out of 1436 companies for Graham Number. This puts Dubai Islamic Bank PJSC in the upper half of its industry. The industry median Graham Number is 0.80. Historically, Dubai Islamic Bank PJSC's own Graham Number has ranged from 0.49 to 0.79 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Graham Number for a Banks company?
The median Graham Number among Banks companies is 0.80, based on 1,436 companies in the industry. Companies in the top quartile (top 25%) have a Graham Number significantly above this median, while those in the bottom quartile fall well below. However, Graham Number 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 Graham Number mean?
A high Graham Number can signal that a stock is expensive relative to its fundamentals. The Graham Number values a company based on its per-share earnings and book value. View historical data on Dubai Islamic Bank PJSC and its competitors. For the Banks industry, the median Graham Number is 0.80 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Dubai Islamic Bank PJSC's current Graham Number is د.إ12.09, which is 81% below median its own 10-year median of 0.63. 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.إ7.45, compared to a current price of د.إ7.65 — trading 2.7% above its estimated fair value. The current Graham Number is د.إ12.09, which is 81% below median its 10-year median of 0.63. Dubai Islamic Bank PJSC's overall GF Score™ is 67/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Graham Number calculated?
Graham Number is calculated from a company's financial statements. For Dubai Islamic Bank PJSC (DFM:DIB), the current Graham Number is د.إ12.09 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 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.إ7.65 is trading 2.7% above its estimated GF Value™ of د.إ7.45.
GuruFocus considers Dubai Islamic Bank PJSC to be Fairly Valued.
Key valuation signals for DFM:DIB:
Graham Number: د.إ12.09 (81% below median its 10-year median of 0.63)
GF Value™: د.إ7.45 vs. price of د.إ7.65 (2.7% above fair value)
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 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.
67GF Score
Get the complete analysis for DFM:DIB
Graham Number is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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