Dubai Islamic Bank PJSC (DFM:DIB) Margin of Safety % (DCF Earnings Based): 31.56% (As of Jun. 26, 2026)


DFM:DIB Dubai Islamic Bank PJSC DFM:DIB
67 GF Score
Price د.إ7.48
GF Value د.إ7.43
Valuation Fairly Valued
! 4 Warning Signs
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What is Dubai Islamic Bank PJSC Margin of Safety % (DCF Earnings Based)?

Dubai Islamic Bank PJSC DFM:DIB -1.97% 67 Margin of Safety % (DCF Earnings Based) is 31.56% as of Jun. 26, 2026. GuruFocus rates DFM:DIB with a GF Score™ of 67/100 and a GF Value™ of د.إ7.43 (Fairly Valued). The stock has 4 warning signs investors should review.

Margin of Safety % (DCF Earnings Based) = (Intrinsic Value: DCF (Earnings Based) - Current Price) / Intrinsic Value: DCF (Earnings Based).

Note: Discounted Earnings model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and the data will not be stored into our database.

As of today (2026-06-26), Dubai Islamic Bank PJSC's Predictability Rank is 3-Stars. Dubai Islamic Bank PJSC's intrinsic value calculated from the Discounted Earnings model is د.إ10.93 and current share price is د.إ7.48. Consequently,

Dubai Islamic Bank PJSC's Margin of Safety % (DCF Earnings Based) using Discounted Earnings model is 31.56%.

Dubai Islamic Bank PJSC Margin of Safety % (DCF Earnings Based) Competitor Comparison

For the Banks - Regional subindustry, Dubai Islamic Bank PJSC's Margin of Safety % (DCF Earnings Based), along with its competitors' market caps and Margin of Safety % (DCF Earnings Based) 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 Margin of Safety % (DCF Earnings Based) vs Banks Industry

For the Banks industry and Financial Services sector, Dubai Islamic Bank PJSC's Margin of Safety % (DCF Earnings Based) distribution charts can be found below:

* The bar in red indicates where Dubai Islamic Bank PJSC's Margin of Safety % (DCF Earnings Based) falls into.


DFM:DIB
67GF Score
Dubai Islamic Bank PJSC DFM:DIB
Margin of Safety % (DCF Earnings Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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Dubai Islamic Bank PJSC Margin of Safety % (DCF Earnings Based) Calculation

Dubai Islamic Bank PJSC's Margin of Safety % (DCF Earnings Based) for today is calculated as

Margin of Safety % (DCF Earnings Based)=(Intrinsic Value: DCF (Earnings Based)-Current Price)/Intrinsic Value: DCF (Earnings Based)
=(10.93-7.48)/10.93
=31.56 %

* 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.

The intrinsic value is calculated from the Discounted Earnings model with default parameters. The calculation method is the same as Discounted Cash Flow model except earnings are used in the calculation instead of free cash flow.

What does a Margin of Safety % (DCF Earnings Based) of 31.56% mean?
Dubai Islamic Bank PJSC (DFM:DIB) has a Margin of Safety % (DCF Earnings Based) of 31.56% as of Jun. 26, 2026. Margin of Safety % (DCF Earnings Based) is the percent difference between the current price and the intrinsic DCF Earnings price. View historical data on Dubai Islamic Bank PJSC.
Is Dubai Islamic Bank PJSC's Margin of Safety % (DCF Earnings Based) too high?
Dubai Islamic Bank PJSC's current Margin of Safety % (DCF Earnings Based) is 31.56%. 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 Margin of Safety % (DCF Earnings Based) compare to competitors?
Dubai Islamic Bank PJSC's Margin of Safety % (DCF Earnings Based) of 31.56% 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 Margin of Safety % (DCF Earnings Based) for a Banks company?
A good Margin of Safety % (DCF Earnings Based) depends on the Banks industry context. However, Margin of Safety % (DCF Earnings Based) 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 Margin of Safety % (DCF Earnings Based) mean?
A high Margin of Safety % (DCF Earnings Based) can signal that a stock is expensive relative to its fundamentals. Margin of Safety % (DCF Earnings Based) is the percent difference between the current price and the intrinsic DCF Earnings price. View historical data on Dubai Islamic Bank PJSC. Dubai Islamic Bank PJSC's current Margin of Safety % (DCF Earnings Based) is 31.56%. 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.إ7.43, compared to a current price of د.إ7.48 — trading 0.7% above its estimated fair value. The current Margin of Safety % (DCF Earnings Based) is 31.56%. 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 Margin of Safety % (DCF Earnings Based) calculated?
Margin of Safety % (DCF Earnings Based) is calculated from a company's financial statements. For Dubai Islamic Bank PJSC (DFM:DIB), the current Margin of Safety % (DCF Earnings Based) is 31.56% 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 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.إ7.48 is trading 0.7% above its estimated GF Value™ of د.إ7.43. GuruFocus considers Dubai Islamic Bank PJSC to be Fairly Valued.

Key valuation signals for DFM:DIB:

  • Margin of Safety % (DCF Earnings Based): 31.56%
  • GF Value™: د.إ7.43 vs. price of د.إ7.48 (0.7% above fair value)
  • GF Score™: 67/100 with 4 warning signs

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 Business Description

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.
67GF Score

Get the complete analysis for DFM:DIB

Margin of Safety % (DCF Earnings Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

د.إ7.48
Price
د.إ7.43
GF Value