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Dubai Islamic Bank PJSCDFM:DIB -1.03%67 Owner Earnings per Share (TTM) is 1.78 as of Mar. 2026, which is 62% below its 10-year median of 4.72. GuruFocus rates DFM:DIB with a GF Score™ of 67/100 and a GF Value™ of د.إ7.46 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,045 Banks companies, Dubai Islamic Bank PJSC ranks better than 81.44% on this metric.
"These represent (a) reported earnings plus (b) depreciation, depletion, amortization, and certain other non-cash charges...less (c) the average annual amount of capitalized expenditures for plant and equipment, etc. that the business requires to fully maintain its long-term competitive position and its unit volume (If the business requires additional working capital to maintain its competitive position and unit volume, the increment also should be included in (c))...Our owner-earnings equation does not yield the deceptively precise figures provided by GAAP, since (c) must be a guess - and one sometimes very difficult to make. Despite this problem, we consider the owner earnings figure, not the GAAP figure, to be the relevant item for valuation purposes - both for investors in buying stocks and for managers in buying entire businesses...All of this points up the absurdity of the 'cash flow' numbers that are often set forth in Wall Street reports. These numbers routinely include (a) plus (b) - but do not subtract (c)."
Dubai Islamic Bank PJSC's Owner Earnings per Share (TTM) ended in Mar. 2026 was د.إ1.78. It's Price-to-Owner-Earnings ratio for today is 4.32.
The historical rank and industry rank for Dubai Islamic Bank PJSC's Owner Earnings per Share (TTM) or its related term are showing as below:
DFM:DIB'
s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 1.21 Med: 4.72 Max: 174.51
Current: 4.36
Assumption: Companies usually do not report maintenance capital expenditures and growth capital expenditures separately. Here we use estimated numbers and average them over 5 years. The method to estimate maintenance capital expenditures can be found in above part 4.
Note: GuruFocus' Change In Working Capital is provided by Morningstar. It is calculated by adding the items under "Change in operating assets and liabilities" (may refer to a different name for different company) section in Cash Flow Statement from original financial report. And it includes non-current parts of assets and liabilities.
Dubai Islamic Bank PJSC Owner Earnings per Share (TTM) Related Terms
Dubai Islamic Bank PJSC Owner Earnings per Share (TTM) Historical Data
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The historical data trend for Dubai Islamic Bank PJSC's Owner Earnings per Share (TTM) 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 Owner Earnings per Share (TTM) Chart
Dubai Islamic Bank PJSC Owner Earnings per Share (TTM) Competitor Comparison
For the Banks - Regional subindustry, Dubai Islamic Bank PJSC's Price-to-Owner-Earnings, along with its competitors' market caps and Price-to-Owner-Earnings 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-Owner-Earnings vs Banks Industry
For the Banks industry and Financial Services sector, Dubai Islamic Bank PJSC's Price-to-Owner-Earnings distribution charts can be found below:
* The bar in red indicates where Dubai Islamic Bank PJSC's Price-to-Owner-Earnings falls into.
"These represent (a) reported earnings plus (b) depreciation, depletion, amortization, and certain other non-cash charges...less (c) the average annual amount of capitalized expenditures for plant and equipment, etc. that the business requires to fully maintain its long-term competitive position and its unit volume. (If the business requires additional working capital to maintain its competitive position and unit volume, the increment also should be included in (c))...Our owner-earnings equation does not yield the deceptively precise figures provided by GAAP, since (c) must be a guess - and one sometimes very difficult to make. Despite this problem, we consider the owner earnings figure, not the GAAP figure, to be the relevant item for valuation purposes - both for investors in buying stocks and for managers in buying entire businesses...All of this points up the absurdity of the 'cash flow' numbers that are often set forth in Wall Street reports. These numbers routinely include (a) plus (b) - but do not subtract (c)."
3. Other non-cash charges usually include "Stock Based Compensation" and "Change In Deferred Tax":
However, to be conservative, GuruFocus will not add Stock Based Compensation back to net income.
Dubai Islamic Bank PJSC's Change In Deferred Tax for the trailing twelve months (TTM) ended in Mar. 2026 was د.إ0 Mil.
4. Average maintenance capital expenditure over a business/industry cycle: 5-Year Average Maintenance Capital Expenditure = د.إ227 Mil
It is usually best to take a long-term average of maintenance capital expenditure. Ideally this would be as long as 10 years and include at least one economic downturn. However, since many companies do not have as long as 10-year history, here GuruFocus uses the latest 5 years data to do the calculation. To smooth out unusual years but reflect recent developments, we take an average of the 5 year maintenance capital expenditure.
The following shows how to get maintenance capital expenditure.
First, calculate the revenue change regarding to the previous quarter. If the revenue decreased from the previous quarter, then the Maintenance Capital Expenditure = Capital Expenditure (positive).
Second, if the revenue increased from the previous quarter, then calculate the percentage of Net PPE as of corresponding Revenue.
Growth Capital Expenditure = Percentage of Property, Plant and Equipment as of corresponding Revenue * Revenue Increase
Third, calculate Capital Expenditure (positive) - Growth Capital Expenditure.
If [Capital Expenditure (positive) - Growth Capital Expenditure] was negative, then the Maintenance Capital Expenditure = Capital Expenditure (positive).
If [Capital Expenditure (positive) - Growth Capital Expenditure] was positive, then the Maintenance Capital Expenditure = Capital Expenditure (positive) - Growth Capital Expenditure.
Fourth, get the average of the 5 years maintenance capital expenditure.
Dubai Islamic Bank PJSC's 5-Year Average Maintenance Capital Expenditure = د.إ227 Mil
5. "Change In Working Capital" is from cashflow statement. Dubai Islamic Bank PJSC's Change In Working Capital for the trailing twelve months (TTM) ended in Mar. 2026 was د.إ5,368 Mil.
Note: GuruFocus' Change in Working Capital is provided by Morningstar. It is calculated by adding the items under "Change in operating assets and liabilities" (may refer to a different name for different company) section in Cash Flow Statement from original financial report. And sometimes it includes non-current parts of assets and liabilities.
* 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 Owner Earnings per Share (TTM) of 1.78 mean?
Dubai Islamic Bank PJSC (DFM:DIB) has a Owner Earnings per Share (TTM) of 1.78 as of Mar. 2026. Warren Buffett defined owner earnings as reported earnings plus depreciation less average maintenance capital expenditure. View historical data on Dubai Islamic Bank PJSC. This is 62% below median its historical median of 4.72. Over the past decade, Dubai Islamic Bank PJSC's Owner Earnings per Share (TTM) has ranged from 1.21 to 174.51. According to the industry distribution chart, Dubai Islamic Bank PJSC ranks #194 out of 1045 companies in the Banks industry, placing it in the top 18.6%.
Is Dubai Islamic Bank PJSC's Owner Earnings per Share (TTM) too high?
Dubai Islamic Bank PJSC's current Owner Earnings per Share (TTM) of 1.78 is 62% below median its 10-year median of 4.72. Over the past 10 years, this metric has ranged from a low of 1.21 to a high of 174.51. The Banks industry median Owner Earnings per Share (TTM) is 10.37. Dubai Islamic Bank PJSC's value of 1.78 is 82.8% below this industry median. Based on the distribution chart, Dubai Islamic Bank PJSC ranks #194 out of 1045 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 Owner Earnings per Share (TTM) compare to competitors?
According to the Banks industry distribution chart, Dubai Islamic Bank PJSC ranks #194 out of 1045 companies for Owner Earnings per Share (TTM). This places Dubai Islamic Bank PJSC in the top 19% of its industry — outperforming the majority of peers. The industry median Owner Earnings per Share (TTM) is 10.37. Dubai Islamic Bank PJSC's value of 1.78 is 82.8% below this benchmark. Historically, Dubai Islamic Bank PJSC's own Owner Earnings per Share (TTM) has ranged from 1.21 to 174.51 over the past decade. While the company's 10-year median is 4.72 vs. the industry median of 10.37, Dubai Islamic Bank PJSC has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Owner Earnings per Share (TTM) for a Banks company?
The median Owner Earnings per Share (TTM) among Banks companies is 10.37, based on 1,045 companies in the industry. Companies in the top quartile (top 25%) have a Owner Earnings per Share (TTM) significantly above this median, while those in the bottom quartile fall well below. However, Owner Earnings per Share (TTM) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Dubai Islamic Bank PJSC's current Owner Earnings per Share (TTM) of 1.78 is 82.8% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Owner Earnings per Share (TTM) mean?
A high Owner Earnings per Share (TTM) can signal that a stock is expensive relative to its fundamentals. Warren Buffett defined owner earnings as reported earnings plus depreciation less average maintenance capital expenditure. View historical data on Dubai Islamic Bank PJSC. For the Banks industry, the median Owner Earnings per Share (TTM) is 10.37 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Dubai Islamic Bank PJSC's current Owner Earnings per Share (TTM) is 1.78, which is 62% below median its own 10-year median of 4.72. 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.إ7.46, compared to a current price of د.إ7.69 — trading 3.1% above its estimated fair value. The current Owner Earnings per Share (TTM) is 1.78, which is 62% below median its 10-year median of 4.72 and 82.8% below the Banks industry median of 10.37. 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 Owner Earnings per Share (TTM) calculated?
Owner Earnings per Share (TTM) is calculated from a company's financial statements. For Dubai Islamic Bank PJSC (DFM:DIB), the current Owner Earnings per Share (TTM) is 1.78 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.إ7.69 is trading 3.1% above its estimated GF Value™ of د.إ7.46.
GuruFocus considers Dubai Islamic Bank PJSC to be Fairly Valued.
Key valuation signals for DFM:DIB:
Owner Earnings per Share (TTM): 1.78 (62% below median its 10-year median of 4.72)
GF Value™: د.إ7.46 vs. price of د.إ7.69 (3.1% above fair value)
Industry Position: 82.8% below the Banks median (#194 of 1045)
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
Owner Earnings per Share (TTM) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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