Emirates Islamic Bank PJSC (DFM:EIB) PB Ratio: 3.81 (As of Jun. 28, 2026) — 19% Below Median


DFM:EIB Emirates Islamic Bank PJSC DFM:EIB
14 GF Score
Price د.إ10.85
GF Value د.إ10.81
! 1 Warning Sign
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What is Emirates Islamic Bank PJSC PB Ratio?

Emirates Islamic Bank PJSC DFM:EIB 14 PB Ratio is 3.81 as of Jun. 28, 2026, which is 19% below its 10-year median of 4.68. 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.

The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. As of today (2026-06-28), Emirates Islamic Bank PJSC's share price is د.إ10.85. Emirates Islamic Bank PJSC's Book Value per Share for the quarter that ended in Mar. 2026 was د.إ2.85. Hence, Emirates Islamic Bank PJSC's PB Ratio of today is 3.81.

The historical rank and industry rank for Emirates Islamic Bank PJSC's PB Ratio or its related term are showing as below:

DFM:EIB' s PB Ratio Range Over the Past 10 Years
Min: 0.93   Med: 4.68   Max: 9.33
Current: 3.81

During the past 13 years, Emirates Islamic Bank PJSC's highest PB Ratio was 9.33. The lowest was 0.93. And the median was 4.68.

DFM:EIB's PB Ratio is not ranked
in the Banks industry.
Industry Median: 1.09 vs DFM:EIB: 3.81

During the past 12 months, Emirates Islamic Bank PJSC's average Book Value Per Share Growth Rate was 0.50% per year. During the past 3 years, the average Book Value Per Share Growth Rate was 24.20% per year. During the past 5 years, the average Book Value Per Share Growth Rate was 18.10% per year. During the past 10 years, the average Book Value Per Share Growth Rate was 9.50% per year.

During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Emirates Islamic Bank PJSC was 24.20% per year. The lowest was -16.30% per year. And the median was 4.60% per year.

Back to Basics: PB Ratio


Emirates Islamic Bank PJSC  (DFM:EIB) PB Ratio Explanation

Unlike valuation ratios relative to the earning power such as PE Ratio, PE Ratio without NRI, PS Ratio, Price-to-Operating-Cash-Flow , or Price-to-Free-Cash-Flow, the PB Ratio measures the valuation of the stock relative to the underlying asset of the company.

The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.


Be Aware

Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.


Emirates Islamic Bank PJSC PB Ratio Related Terms


Emirates Islamic Bank PJSC PB Ratio Historical Data

* Premium members only.

The historical data trend for Emirates Islamic Bank PJSC's PB Ratio 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 PB Ratio Chart

Emirates Islamic Bank PJSC Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
PB Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 4.74 4.39 3.06 3.14 3.32

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
PB Ratio 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 4.22 3.62 3.43 3.32 3.81

Emirates Islamic Bank PJSC PB Ratio Competitor Comparison

For the Banks - Regional subindustry, Emirates Islamic Bank PJSC's PB Ratio, along with its competitors' market caps and PB Ratio 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.


Emirates Islamic Bank PJSC PB Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Emirates Islamic Bank PJSC's PB Ratio distribution charts can be found below:

* The bar in red indicates where Emirates Islamic Bank PJSC's PB Ratio falls into.


DFM:EIB
14GF Score
Emirates Islamic Bank PJSC DFM:EIB
PB Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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Emirates Islamic Bank PJSC PB Ratio Calculation

The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.

Emirates Islamic Bank PJSC's PB Ratio for today is calculated as follows:

PB Ratio=Share Price/Book Value per Share (Q: Mar. 2026)
=10.85/2.847
=3.81

* 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.

It can also be calculated from the numbers for the whole company:

A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.

Frequently Asked Questions Learn more about PB Ratio →
What does a PB Ratio of 3.81 mean?
Emirates Islamic Bank PJSC (DFM:EIB) has a PB Ratio of 3.81 as of Jun. 28, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Emirates Islamic Bank PJSC and its competitors. This is 19% below median its historical median of 4.68. Over the past decade, Emirates Islamic Bank PJSC's PB Ratio has ranged from 0.93 to 9.33.
Is Emirates Islamic Bank PJSC's PB Ratio too high?
Emirates Islamic Bank PJSC's current PB Ratio of 3.81 is 19% below median its 10-year median of 4.68. Over the past 10 years, this metric has ranged from a low of 0.93 to a high of 9.33. The Banks industry median PB Ratio is 1.09. Emirates Islamic Bank PJSC's value of 3.81 is 249.5% above this industry median. 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 PB Ratio compare to competitors?
Emirates Islamic Bank PJSC's PB Ratio of 3.81 can be compared against companies in the Banks industry. The industry median PB Ratio is 1.09. Emirates Islamic Bank PJSC's value of 3.81 is 249.5% above this benchmark. Historically, Emirates Islamic Bank PJSC's own PB Ratio has ranged from 0.93 to 9.33 over the past decade. While the company's 10-year median is 4.68 vs. the industry median of 1.09, Emirates Islamic Bank PJSC has consistently been above 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.09, based on 1,516 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Emirates Islamic Bank PJSC's current PB Ratio of 3.81 is 249.5% above 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Emirates Islamic Bank PJSC and its competitors. For the Banks industry, the median PB Ratio is 1.09 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Emirates Islamic Bank PJSC's current PB Ratio is 3.81, which is 19% below median its own 10-year median of 4.68. 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 PB Ratio of 3.81. 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 PB Ratio is 3.81, which is 19% below median its 10-year median of 4.68 and 249.5% above the Banks industry median of 1.09. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Emirates Islamic Bank PJSC (DFM:EIB), the current PB Ratio is 3.81 as of Jun. 28, 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:

  • PB Ratio: 3.81 (19% below median its 10-year median of 4.68)
  • GF Value™: د.إ10.81 vs. price of د.إ10.85 (0.4% above fair value)
  • GF Score™: 14/100 with 1 warning sign
  • Industry Position: 249.5% above the Banks median

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

Address Dubai Health Care City, P.O. Box 6564, 3rd Floor, Building 16, Dubai, ARE
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.
14GF Score

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PB Ratio 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