Dubai Islamic Bank PJSCDFM:DIB +1.31%67 Return-on-Tangible-Asset is 1.64% as of Mar. 2026, which is 26% below its 10-year median of 2.21. 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. Among 1,530 Banks companies, Dubai Islamic Bank PJSC ranks better than 86.8% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. Dubai Islamic Bank PJSC's annualizedNet Income for the quarter that ended in Mar. 2026 was د.إ6,864 Mil. Dubai Islamic Bank PJSC's average total tangible assets for the quarter that ended in Mar. 2026 was د.إ417,932 Mil. Therefore, Dubai Islamic Bank PJSC's annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2026 was 1.64%.
The historical rank and industry rank for Dubai Islamic Bank PJSC's Return-on-Tangible-Asset or its related term are showing as below:
DFM:DIB'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 1.26 Med: 2.21 Max: 2.41
Current: 1.91
During the past 13 years, Dubai Islamic Bank PJSC's highest Return-on-Tangible-Asset was 2.41%. The lowest was 1.26%. And the median was 2.21%.
DFM:DIB's Return-on-Tangible-Asset is ranked better than 86.8% of 1530
companies
in the Banks industry
Industry Median: 0.99
vs DFM:DIB: 1.91
Dubai Islamic Bank PJSC (DFM:DIB) Return-on-Tangible-Asset Explanation
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
Dubai Islamic Bank PJSC Return-on-Tangible-Asset Related Terms
Dubai Islamic Bank PJSC Return-on-Tangible-Asset Historical Data
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The historical data trend for Dubai Islamic Bank PJSC's Return-on-Tangible-Asset 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 Return-on-Tangible-Asset Chart
Dubai Islamic Bank PJSC Return-on-Tangible-Asset Competitor Comparison
For the Banks - Regional subindustry, Dubai Islamic Bank PJSC's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Dubai Islamic Bank PJSC's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Dubai Islamic Bank PJSC's Return-on-Tangible-Asset falls into.
* 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
What does a Return-on-Tangible-Asset of 1.64% mean?
Dubai Islamic Bank PJSC (DFM:DIB) has a Return-on-Tangible-Asset of 1.64% as of Mar. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Dubai Islamic Bank PJSC and its competitors. This is 26% below median its historical median of 2.21. Over the past decade, Dubai Islamic Bank PJSC's Return-on-Tangible-Asset has ranged from 1.26 to 2.41. According to the industry distribution chart, Dubai Islamic Bank PJSC ranks #202 out of 1530 companies in the Banks industry, placing it in the top 13.2%.
Is Dubai Islamic Bank PJSC's Return-on-Tangible-Asset too high?
Dubai Islamic Bank PJSC's current Return-on-Tangible-Asset of 1.64% is 26% below median its 10-year median of 2.21. Over the past 10 years, this metric has ranged from a low of 1.26 to a high of 2.41. The Banks industry median Return-on-Tangible-Asset is 0.99. Dubai Islamic Bank PJSC's value of 1.64% is 65.7% above this industry median. Based on the distribution chart, Dubai Islamic Bank PJSC ranks #202 out of 1530 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 Return-on-Tangible-Asset compare to competitors?
According to the Banks industry distribution chart, Dubai Islamic Bank PJSC ranks #202 out of 1530 companies for Return-on-Tangible-Asset. This places Dubai Islamic Bank PJSC in the top 13% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Asset is 0.99. Dubai Islamic Bank PJSC's value of 1.64% is 65.7% above this benchmark. Historically, Dubai Islamic Bank PJSC's own Return-on-Tangible-Asset has ranged from 1.26 to 2.41 over the past decade. While the company's 10-year median is 2.21 vs. the industry median of 0.99, 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 Return-on-Tangible-Asset for a Banks company?
The median Return-on-Tangible-Asset among Banks companies is 0.99, based on 1,530 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Dubai Islamic Bank PJSC's current Return-on-Tangible-Asset of 1.64% is 65.7% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Dubai Islamic Bank PJSC and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 0.99 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Dubai Islamic Bank PJSC's current Return-on-Tangible-Asset is 1.64%, which is 26% below median its own 10-year median of 2.21. 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 Return-on-Tangible-Asset is 1.64%, which is 26% below median its 10-year median of 2.21 and 65.7% above the Banks industry median of 0.99. 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 Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For Dubai Islamic Bank PJSC (DFM:DIB), the current Return-on-Tangible-Asset is 1.64% 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:
Return-on-Tangible-Asset: 1.64% (26% below median its 10-year median of 2.21)
GF Value™: د.إ7.44 vs. price of د.إ7.72 (3.8% above fair value)
Industry Position: 65.7% above the Banks median (#202 of 1530)
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
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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