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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.
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: 0.32 Med: 0.45 Max: 1.22
Current: 0.36
During the past 13 years, the highest Price-to-Intrinsic-Value-Projected-FCF of Dubai Islamic Bank PJSC was 1.22. The lowest was 0.32. And the median was 0.45.
DFM:DIB's Price-to-Projected-FCF is ranked better than 73.58% of 1302
companies
in the Banks industry
Industry Median: 0.59
vs DFM:DIB: 0.36
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
=
7.49
/
20.662743998058
=
0.36
* 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
Dubai Islamic Bank PJSC Intrinsic Value: Projected FCF Historical Data
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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.
Dubai Islamic Bank PJSC Intrinsic Value: Projected FCF Chart
Dubai Islamic Bank PJSC Intrinsic Value: Projected FCF Competitor Comparison
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 Price-to-Projected-FCF vs 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.
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.
* 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.
What does a Intrinsic Value: Projected FCF of د.إ20.66 mean?
Dubai Islamic Bank PJSC (DFM:DIB) has a Intrinsic Value: Projected FCF of د.إ20.66 as of Aug. 25, 2026. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Dubai Islamic Bank PJSC and its competitors. According to the industry distribution chart, Dubai Islamic Bank PJSC ranks #344 out of 1302 companies in the Banks industry, placing it in the top 26.4%.
Is Dubai Islamic Bank PJSC's Intrinsic Value: Projected FCF too high?
Dubai Islamic Bank PJSC's current Intrinsic Value: Projected FCF is د.إ20.66. Based on the distribution chart, Dubai Islamic Bank PJSC ranks #344 out of 1302 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 Intrinsic Value: Projected FCF compare to competitors?
According to the Banks industry distribution chart, Dubai Islamic Bank PJSC ranks #344 out of 1302 companies for Intrinsic Value: Projected FCF. This puts Dubai Islamic Bank PJSC in the upper half of its industry. The industry median Intrinsic Value: Projected FCF is 0.59. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Intrinsic Value: Projected FCF for a Banks company?
The median Intrinsic Value: Projected FCF among Banks companies is 0.59, based on 1,302 companies in the industry. Companies in the top quartile (top 25%) have a Intrinsic Value: Projected FCF significantly above this median, while those in the bottom quartile fall well below. However, Intrinsic Value: Projected FCF 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 Intrinsic Value: Projected FCF mean?
A high Intrinsic Value: Projected FCF can signal that a stock is expensive relative to its fundamentals. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Dubai Islamic Bank PJSC and its competitors. For the Banks industry, the median Intrinsic Value: Projected FCF is 0.59 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Dubai Islamic Bank PJSC's current Intrinsic Value: Projected FCF is د.إ20.66. 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.إ7.54, compared to a current price of د.إ7.49 — trading 0.7% below its estimated fair value. The current Intrinsic Value: Projected FCF is د.إ20.66. Dubai Islamic Bank PJSC's overall GF Score™ is 67/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Intrinsic Value: Projected FCF calculated?
Intrinsic Value: Projected FCF is calculated from a company's financial statements. For Dubai Islamic Bank PJSC (DFM:DIB), the current Intrinsic Value: Projected FCF is د.إ20.66 as of Aug. 25, 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 undervalued.
The current stock price of د.إ7.49 is trading 0.7% below its estimated GF Value™ of د.إ7.54.
GuruFocus considers Dubai Islamic Bank PJSC to be Fairly Valued.
Key valuation signals for DFM:DIB:
Intrinsic Value: Projected FCF: د.إ20.66
GF Value™: د.إ7.54 vs. price of د.إ7.49 (0.7% below 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
Intrinsic Value: Projected FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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