Dubai Islamic Bank PJSC (DFM:DIB) Retained Earnings: د.إ23,982 Mil (As of Mar. 2026)


DFM:DIB Dubai Islamic Bank PJSC DFM:DIB
67 GF Score
Price د.إ7.72
GF Value د.إ7.44
Valuation Fairly Valued
! 4 Warning Signs
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What is Dubai Islamic Bank PJSC Retained Earnings?

Dubai Islamic Bank PJSC DFM:DIB +1.31% 67 Retained Earnings is د.إ23,982 Mil as of Mar. 2026. GuruFocus rates DFM:DIB with a GF Score™ of 67/100 and a GF Value™ of د.إ7.44 (Fairly Valued). The stock has 4 warning signs investors should review.

Retained earnings is the accumulated portion of net income that is not distributed to shareholders. Dubai Islamic Bank PJSC's retained earnings for the quarter that ended in Mar. 2026 was د.إ23,982 Mil.

Dubai Islamic Bank PJSC's quarterly retained earnings increased from Sep. 2025 (د.إ22,113 Mil) to Dec. 2025 (د.إ22,412 Mil) and increased from Dec. 2025 (د.إ22,412 Mil) to Mar. 2026 (د.إ23,982 Mil).

Dubai Islamic Bank PJSC's annual retained earnings increased from Dec. 2023 (د.إ17,341 Mil) to Dec. 2024 (د.إ19,904 Mil) and increased from Dec. 2024 (د.إ19,904 Mil) to Dec. 2025 (د.إ22,412 Mil).


Dubai Islamic Bank PJSC  (DFM:DIB) Retained Earnings Explanation

Historically profitable companies sometimes have negative retained earnings. This is because they have cumulatively paid out more to shareholders than they reported in profits.

For example, in 2011, Microsoft had negative retained earnings. This does not mean the company lost more money than it made over the years. It just means it paid out more money than it earned.

If a company has negative retained earnings, investors should check the 10-year financial results. They should not assume that negative retained earnings prove a company has generally lost money in the past.

Of course, many companies with negative retained earnings have indeed lost money in the past.

Retained Earnings: Warren Buffett's Secret.

One of the most important indicators of durable competitive advantage. Net earnings can be paid out as dividends, used to buy back shares or retained for growth.

If the company loses more than it has accumulated, retained earnings is negative.

If a company isn't adding to its retained earnings, it isn't growing its net worth.

Rate of growth of retained earnings is good indicator whether it's benefiting from a competitive advantage.

Microsoft is negative because it chose to buyback stock and pay dividends.

The more earnings retained, the faster it grows and increases growth rate for future earnings.


Dubai Islamic Bank PJSC Retained Earnings Historical Data

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The historical data trend for Dubai Islamic Bank PJSC's Retained Earnings 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 Retained Earnings Chart

Dubai Islamic Bank PJSC Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Retained Earnings
Get a 7-Day Free Trial Premium Member Only Premium Member Only 11,563.30 13,772.64 17,341.07 19,904.39 22,412.43

Dubai 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
Retained Earnings 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 18,308.53 19,600.71 22,112.53 22,412.43 23,982.18
DFM:DIB
67GF Score
Dubai Islamic Bank PJSC DFM:DIB
Retained Earnings is just one metric. See GF Score™, valuation, warning signs, and more.
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Dubai Islamic Bank PJSC Retained Earnings Calculation

Retained Earnings is the accumulated portion of net income that is not distributed to shareholders. Because the net income was not distributed to shareholders, shareholders' equity is increased by the same amount.

Of course, if a company loses, it is called retained losses, or accumulated losses.

Frequently Asked Questions Learn more about Retained Earnings →
What does a Retained Earnings of د.إ23,982 Mil mean?
Dubai Islamic Bank PJSC (DFM:DIB) has a Retained Earnings of د.إ23,982 Mil as of Mar. 2026. Retained earnings is the amount of net income not issued to shareholders. View historical data on Dubai Islamic Bank PJSC and its competitors.
Is Dubai Islamic Bank PJSC's Retained Earnings too high?
Dubai Islamic Bank PJSC's current Retained Earnings is د.إ23,982 Mil. 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 Retained Earnings compare to competitors?
Dubai Islamic Bank PJSC's Retained Earnings of د.إ23,982 Mil 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 Retained Earnings for a Banks company?
A good Retained Earnings depends on the Banks industry context. However, Retained Earnings 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 Retained Earnings mean?
A high Retained Earnings can signal that a stock is expensive relative to its fundamentals. Retained earnings is the amount of net income not issued to shareholders. View historical data on Dubai Islamic Bank PJSC and its competitors. Dubai Islamic Bank PJSC's current Retained Earnings is د.إ23,982 Mil. 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.إ7.44, compared to a current price of د.إ7.72 — trading 3.8% above its estimated fair value. The current Retained Earnings is د.إ23,982 Mil. 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 Retained Earnings calculated?
Retained Earnings is calculated from a company's financial statements. For Dubai Islamic Bank PJSC (DFM:DIB), the current Retained Earnings is د.إ23,982 Mil 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.إ7.72 is trading 3.8% above its estimated GF Value™ of د.إ7.44. GuruFocus considers Dubai Islamic Bank PJSC to be Fairly Valued.

Key valuation signals for DFM:DIB:

  • Retained Earnings: د.إ23,982 Mil
  • GF Value™: د.إ7.44 vs. price of د.إ7.72 (3.8% 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

Retained Earnings is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

د.إ7.72
Price
د.إ7.44
GF Value