Emirates Islamic Bank PJSC (DFM:EIB) LT-Debt-to-Total-Asset: 0.09 (As of Mar. 2026)

What is Emirates Islamic Bank PJSC LT-Debt-to-Total-Asset?

Emirates Islamic Bank PJSC DFM:EIB 14 LT-Debt-to-Total-Asset is 0.09 as of Mar. 2026. GuruFocus rates DFM:EIB with a GF Score™ of 14/100 and a GF Value™ of د.إ10.81. The stock has 1 warning sign investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Emirates Islamic Bank PJSC's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.09.

Emirates Islamic Bank PJSC's long-term debt to total assets ratio declined from Mar. 2025 (0.11) to Mar. 2026 (0.09). It may suggest that Emirates Islamic Bank PJSC is progressively becoming less dependent on debt to grow their business.

Emirates Islamic Bank PJSC (DFM:EIB) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Emirates Islamic Bank PJSC LT-Debt-to-Total-Asset Related Terms

Emirates Islamic Bank PJSC LT-Debt-to-Total-Asset Historical Data

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The historical data trend for Emirates Islamic Bank PJSC's LT-Debt-to-Total-Asset 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.

Emirates Islamic Bank PJSC LT-Debt-to-Total-Asset Chart

Emirates Islamic Bank PJSC Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

LT-Debt-to-Total-Asset

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0.06

0.05

0.08

0.10

Emirates Islamic Bank PJSC Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.11	0.10	0.10	0.10	0.09

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Emirates Islamic Bank PJSC DFM:EIB

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Emirates Islamic Bank PJSC LT-Debt-to-Total-Asset Calculation

Emirates Islamic Bank PJSC's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )	/	Total Assets (A: Dec. 2025 )
	=	14632.198	/	145765.348
	=	0.10

Emirates Islamic Bank PJSC's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )	/	Total Assets (Q: Mar. 2026 )
	=	13626.383	/	149442.589
	=	0.09

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.09 mean?

Emirates Islamic Bank PJSC (DFM:EIB) has a LT-Debt-to-Total-Asset of 0.09 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Emirates Islamic Bank PJSC and its competitors.

Is Emirates Islamic Bank PJSC's LT-Debt-to-Total-Asset too high?

Emirates Islamic Bank PJSC's current LT-Debt-to-Total-Asset is 0.09. Overall, Emirates Islamic Bank PJSC has a GF Score™ of 14/100, reflecting its overall financial health beyond just this single metric.

How does Emirates Islamic Bank PJSC's LT-Debt-to-Total-Asset compare to competitors?

Emirates Islamic Bank PJSC's LT-Debt-to-Total-Asset of 0.09 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.

What is a good LT-Debt-to-Total-Asset for a Banks company?

A good LT-Debt-to-Total-Asset depends on the Banks industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Emirates Islamic Bank PJSC and its competitors. Emirates Islamic Bank PJSC's current LT-Debt-to-Total-Asset is 0.09. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.

Is Emirates Islamic Bank PJSC stock overvalued right now?

Emirates Islamic Bank PJSC (DFM:EIB) has a current LT-Debt-to-Total-Asset of 0.09. The stock's GF Value™ is د.إ10.81, compared to a current price of د.إ10.85 — trading 0.4% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.09. Emirates Islamic Bank PJSC's overall GF Score™ is 14/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.

How is LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Emirates Islamic Bank PJSC (DFM:EIB), the current LT-Debt-to-Total-Asset is 0.09 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 Emirates Islamic Bank PJSC (DFM:EIB) Overvalued in 2026?

Based on GuruFocus' analysis, Emirates Islamic Bank PJSC stock appears to be overvalued. The current stock price of د.إ10.85 is trading 0.4% above its estimated GF Value™ of د.إ10.81.

Key valuation signals for DFM:EIB:

LT-Debt-to-Total-Asset: 0.09
GF Value™: د.إ10.81 vs. price of د.إ10.85 (0.4% above fair value)
GF Score™: 14/100 with 1 warning sign

No single metric tells the full story. See the DFM:EIB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Emirates Islamic Bank PJSC Business Description

Industry Financial Services Banks

Comparable Companies DFM:MASQ DFM:DIB ADX:ADIB DFM:CBD ADX:RAKBANK ADX:NBF ADX:SIB ADX:ADCB ADX:NBQ ADX:BOS NSE:HDFCBANK SHSE:600036 MIL:UCG NSE:ICICIBANK SGX:D05 MIL:ISP SAU:1120 XPAR:BNP HKSE:01658 NSE:SBIN

Address Dubai Health Care City, P.O. Box 6564, 3rd Floor, Building 16, Dubai, ARE

Website https://www.emiratesislamic.ae

Emirates Islamic Bank PJSC provides full commercial and banking services and offers various products through Islamic financing and investing instruments following Islamic Sharia. The group's activities comprise three business segments: Corporate and institutional banking, Retail banking and wealth management, Treasury, and Others. Substantial revenue is generated from Retail banking and wealth management segment.

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LT-Debt-to-Total-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

د.إ10.85

Price

د.إ10.81

GF Value

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