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Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Dubai Islamic Bank PJSCDFM:DIB +1.60%67 Forward Rate of Return (Yacktman) % is 26.06% as of Jun. 2026, which is 21% above its 10-year median of 21.55. GuruFocus rates DFM:DIB with a GF Score™ of 67/100 and a GF Value™ of د.إ7.51 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,415 Banks companies, Dubai Islamic Bank PJSC ranks better than 77.17% on this metric.
Yacktman defines forward rate of return as the normalized free cash flow yield plus real growth plus inflation. Dubai Islamic Bank PJSC's forward rate of return for was 26.06%.
The historical rank and industry rank for Dubai Islamic Bank PJSC's Forward Rate of Return (Yacktman) % or its related term are showing as below:
DFM:DIB'
s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: 5.2 Med: 21.55 Max: 37.1
Current: 26.32
During the past 13 years, Dubai Islamic Bank PJSC's highest Forward Rate of Return was 37.10. The lowest was 5.20. And the median was 21.55.
DFM:DIB's Forward Rate of Return (Yacktman) % is ranked better than 77.17% of 1415
companies
in the Banks industry
Industry Median: 15.25
vs DFM:DIB: 26.32
Unlike the Earnings Yield %, the Forward Rate of Return uses the normalized Free Cash Flow of the past five years, and considers growth. The forward rate of return can be thought of as the return that investors buying the stock today can expect from it in the future.
Dubai Islamic Bank PJSC (DFM:DIB) Forward Rate of Return (Yacktman) % Explanation
Unlike the Earnings Yield, the Forward Rate of Return uses the normalized Free Cash Flow of the past five years, and considers growth. The forward rate of return can be thought of as the return that investors buying the stock today can expect from it in the future.
For the growth part of the Forward Rate of Return calculation, GuruFocus uses the 5-year average growth rate of Book Value per share as the growth rate, and the growth rate is always capped at 20%. For the Free Cash Flow we use per share data averaged over five years. The reason we use five years is to make it comparable to the growth rate.
Be Aware
In the Forward Rate of Return calculation, the growth rate is added directly to today's free cash flow yield. Therefore the calculation is reliable only if the company can grow at the same rate in the future as it did in the past. Investors should pay close attention to this when researching growth stocks. A more accurate measurement for return is Return on Capital.
Dubai Islamic Bank PJSC Forward Rate of Return (Yacktman) % Related Terms
Dubai Islamic Bank PJSC Forward Rate of Return (Yacktman) % Historical Data
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The historical data trend for Dubai Islamic Bank PJSC's Forward Rate of Return (Yacktman) % 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 Forward Rate of Return (Yacktman) % Chart
Dubai Islamic Bank PJSC Forward Rate of Return (Yacktman) % Competitor Comparison
For the Banks - Regional subindustry, Dubai Islamic Bank PJSC's Forward Rate of Return (Yacktman) %, along with its competitors' market caps and Forward Rate of Return (Yacktman) % 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 Forward Rate of Return (Yacktman) % vs Banks Industry
For the Banks industry and Financial Services sector, Dubai Islamic Bank PJSC's Forward Rate of Return (Yacktman) % distribution charts can be found below:
* The bar in red indicates where Dubai Islamic Bank PJSC's Forward Rate of Return (Yacktman) % falls into.
Dubai Islamic Bank PJSC Forward Rate of Return (Yacktman) % Calculation
Forward Rate of Return is a concept that Don Yacktman uses in his investment approach. Yacktman explained the forward rate of return concept in detail in his interview with GuruFocus. Yacktman defines forward rate of return as the normalized free cash flow yield plus real growth plus inflation. He said in the interview (March 2012, when the S&P 500 was at about 1400):
If the business is stable, this calculation is fairly straightforward. For instance, on the S&P 500 we would normalize earnings. We would then calculate what percentage of those earnings are not reinvested in the underlying businesses and are therefore free. Historically, for the S&P 500, this has been just under 50% of earnings. Currently, we expect the S&P to earn about 70 on a normalized basis, a number which is far below reported earnings due to our adjusting for record high profit margins. $70 X ½ / 1400 gives you a normalized free cash flow yield of approximately 2.5%.
The historical real growth rate of the S&P 500 (companies) is about 1.5%. Assuming an inflation rate of 2.5%, the forward rate of return on an investment in the S&P 500 is about 6.5% today (2.5% free cash flow yield plus 1.5% real growth plus 2.5% inflation).
* 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 Forward Rate of Return (Yacktman) % of 26.06% mean?
Dubai Islamic Bank PJSC (DFM:DIB) has a Forward Rate of Return (Yacktman) % of 26.06% as of Jun. 2026. Yacktman's forward rate of return equals the sum of normalized free-cash-flow yield plus earnings growth. View historical data on Dubai Islamic Bank PJSC and its competitors. This is 21% above median its historical median of 21.55. Over the past decade, Dubai Islamic Bank PJSC's Forward Rate of Return (Yacktman) % has ranged from 5.20 to 37.10. According to the industry distribution chart, Dubai Islamic Bank PJSC ranks #323 out of 1415 companies in the Banks industry, placing it in the top 22.8%.
Is Dubai Islamic Bank PJSC's Forward Rate of Return (Yacktman) % too high?
Dubai Islamic Bank PJSC's current Forward Rate of Return (Yacktman) % of 26.06% is 21% above median its 10-year median of 21.55. Over the past 10 years, this metric has ranged from a low of 5.20 to a high of 37.10. The Banks industry median Forward Rate of Return (Yacktman) % is 15.25. Dubai Islamic Bank PJSC's value of 26.06% is 70.9% above this industry median. Based on the distribution chart, Dubai Islamic Bank PJSC ranks #323 out of 1415 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 Forward Rate of Return (Yacktman) % compare to competitors?
According to the Banks industry distribution chart, Dubai Islamic Bank PJSC ranks #323 out of 1415 companies for Forward Rate of Return (Yacktman) %. This places Dubai Islamic Bank PJSC in the top 23% of its industry — outperforming the majority of peers. The industry median Forward Rate of Return (Yacktman) % is 15.25. Dubai Islamic Bank PJSC's value of 26.06% is 70.9% above this benchmark. Historically, Dubai Islamic Bank PJSC's own Forward Rate of Return (Yacktman) % has ranged from 5.20 to 37.10 over the past decade. While the company's 10-year median is 21.55 vs. the industry median of 15.25, Dubai 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 Forward Rate of Return (Yacktman) % for a Banks company?
The median Forward Rate of Return (Yacktman) % among Banks companies is 15.25, based on 1,415 companies in the industry. Companies in the top quartile (top 25%) have a Forward Rate of Return (Yacktman) % significantly above this median, while those in the bottom quartile fall well below. However, Forward Rate of Return (Yacktman) % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Dubai Islamic Bank PJSC's current Forward Rate of Return (Yacktman) % of 26.06% is 70.9% 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 Forward Rate of Return (Yacktman) % mean?
A high Forward Rate of Return (Yacktman) % can signal that a stock is expensive relative to its fundamentals. Yacktman's forward rate of return equals the sum of normalized free-cash-flow yield plus earnings growth. View historical data on Dubai Islamic Bank PJSC and its competitors. For the Banks industry, the median Forward Rate of Return (Yacktman) % is 15.25 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Dubai Islamic Bank PJSC's current Forward Rate of Return (Yacktman) % is 26.06%, which is 21% above median its own 10-year median of 21.55. 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.إ7.51, compared to a current price of د.إ7.60 — trading 1.2% above its estimated fair value. The current Forward Rate of Return (Yacktman) % is 26.06%, which is 21% above median its 10-year median of 21.55 and 70.9% above the Banks industry median of 15.25. 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 Forward Rate of Return (Yacktman) % calculated?
Forward Rate of Return (Yacktman) % is calculated from a company's financial statements. For Dubai Islamic Bank PJSC (DFM:DIB), the current Forward Rate of Return (Yacktman) % is 26.06% as of Jun. 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.إ7.60 is trading 1.2% above its estimated GF Value™ of د.إ7.51.
GuruFocus considers Dubai Islamic Bank PJSC to be Fairly Valued.
Key valuation signals for DFM:DIB:
Forward Rate of Return (Yacktman) %: 26.06% (21% above median its 10-year median of 21.55)
GF Value™: د.إ7.51 vs. price of د.إ7.60 (1.2% above fair value)
Industry Position: 70.9% above the Banks median (#323 of 1415)
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
Forward Rate of Return (Yacktman) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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