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Dubai Islamic Bank PJSC (DFM:DIB) Intrinsic Value: Projected FCF : د.إ17.09 (As of Jun. 18, 2025)


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What is Dubai Islamic Bank PJSC Intrinsic Value: Projected FCF?

Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company. The details of how we calculate the intrinsic value of stocks are described in detail here.

As of today (2025-06-18), Dubai Islamic Bank PJSC's Intrinsic Value: Projected FCF is د.إ17.09. The stock price of Dubai Islamic Bank PJSC is د.إ8.40. Therefore, Dubai Islamic Bank PJSC's Price-to-Intrinsic-Value-Projected-FCF of today is 0.5.

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

DFM:DIB' s Price-to-Projected-FCF Range Over the Past 10 Years
Min: 0.31   Med: 0.48   Max: 1.22
Current: 0.49

During the past 13 years, the highest Price-to-Intrinsic-Value-Projected-FCF of Dubai Islamic Bank PJSC was 1.22. The lowest was 0.31. And the median was 0.48.

DFM:DIB's Price-to-Projected-FCF is ranked better than
51.22% of 1310 companies
in the Banks industry
Industry Median: 0.49 vs DFM:DIB: 0.49

Dubai Islamic Bank PJSC Intrinsic Value: Projected FCF Historical Data

The historical data trend for Dubai Islamic Bank PJSC's Intrinsic Value: Projected FCF 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.

* Premium members only.

Dubai Islamic Bank PJSC Intrinsic Value: Projected FCF Chart

Dubai Islamic Bank PJSC Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Intrinsic Value: Projected FCF
Get a 7-Day Free Trial Premium Member Only Premium Member Only 7.52 9.19 9.06 13.40 14.90

Dubai Islamic Bank PJSC Quarterly Data
Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25
Intrinsic Value: Projected FCF 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 15.40 14.21 14.29 14.90 17.09

Competitive Comparison of Dubai Islamic Bank PJSC's Intrinsic Value: Projected FCF

For the Banks - Regional subindustry, Dubai Islamic Bank PJSC's Price-to-Projected-FCF, along with its competitors' market caps and Price-to-Projected-FCF 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's Price-to-Projected-FCF Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Dubai Islamic Bank PJSC's Price-to-Projected-FCF distribution charts can be found below:

* The bar in red indicates where Dubai Islamic Bank PJSC's Price-to-Projected-FCF falls into.


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Dubai Islamic Bank PJSC Intrinsic Value: Projected FCF Calculation

Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company.

The details of how we calculate the intrinsic value of stocks are described in detail here.

This method smooths out the free cash flow over the past 6-7 years, multiplies the results by a growth multiple, and adds a portion of Total Stockholders Equity.

Intrinsic Value: Projected FCF = ( Growth Multiple * Free Cash Flow (6 year avg) + 0.8 * Total Stockholders Equity (most recent) ) / Shares Outstanding (Diluted Average)

In the case of negative Total Stockholders Equity, the following formula is used (see Explanation section below for the reason):

Intrinsic Value: Projected FCF = ( Growth Multiple * Free Cash Flow (6 year avg) + Total Stockholders Equity (most recent) / 0.8 ) / Shares Outstanding (Diluted Average)


Add all the Free Cash Flow together and divide 6 will get Dubai Islamic Bank PJSC's Free Cash Flow(6 year avg) = د.إ8,202.90.

Dubai Islamic Bank PJSC's Intrinsic Value: Projected FCF for today is calculated as

Intrinsic Value: Projected FCF=(Growth Multiple*Free Cash Flow (6 year avg)+Total Stockholders Equity (Mar25)*0.8)/Shares Outstanding (Diluted Average)
=(10.623553629896*8202.90016+45429.708*0.8)/7227.111
=17.09

* 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) Intrinsic Value: Projected FCF Explanation

The growth multiple is capped between 8.35 and 17.74.

Total Stockholders Equity weighting is more art than science and it should always be revisited in more detail when researching a company. Weightings from 0% to 100% to more than 100% are possible. 80% was chosen as a happy median after taking the above ideas into consideration.

Dubai Islamic Bank PJSC's Price-to-Intrinsic-Value-Projected-FCF for today is calculated as

Price-to-Intrinsic-Value-Projected-FCF=Share Price/Intrinsic Value: Projected FCF
=8.40/17.086733021043
=0.49

* 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 Intrinsic Value: Projected FCF Related Terms

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Dubai Islamic Bank PJSC Business Description

Traded in Other Exchanges
N/A
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.

Dubai Islamic Bank PJSC Headlines

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