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The historical rank and industry rank for Emirates Islamic Bank PJSC's ROE % or its related term are showing as below:
DFM:EIB'
s ROE % Range Over the Past 10 Years
Min: -5.97 Med: 13.21 Max: 21.83
Current: 19.41
During the past 13 years, Emirates Islamic Bank PJSC's highest ROE % was 21.83%. The lowest was -5.97%. And the median was 13.21%.
DFM:EIB's ROE % is not ranked
in the Banks industry.
Industry Median: 10.225
vs DFM:EIB: 19.41
Emirates Islamic Bank PJSC (DFM:EIB) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
* 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 ROE % Competitor Comparison
For the Banks - Regional subindustry, Emirates Islamic Bank PJSC's ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Emirates Islamic Bank PJSC's ROE % distribution charts can be found below:
* The bar in red indicates where Emirates Islamic Bank PJSC's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder equity 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.
ROE % is displayed in the 30-year financial page.
Emirates Islamic Bank PJSC (DFM:EIB) has a ROE % of 20.48% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Emirates Islamic Bank PJSC and its competitors. This is 55% above median its historical median of 13.21.
Is Emirates Islamic Bank PJSC's ROE % too high?
Emirates Islamic Bank PJSC's current ROE % of 20.48% is 55% above median its 10-year median of 13.21. The Banks industry median ROE % is 10.23. Emirates Islamic Bank PJSC's value of 20.48% is 100.3% 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 ROE % compare to competitors?
Emirates Islamic Bank PJSC's ROE % of 20.48% can be compared against companies in the Banks industry. The industry median ROE % is 10.23. Emirates Islamic Bank PJSC's value of 20.48% is 100.3% above this benchmark. While the company's 10-year median is 13.21 vs. the industry median of 10.23, 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.23, based on 1,528 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Emirates Islamic Bank PJSC's current ROE % of 20.48% is 100.3% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Emirates Islamic Bank PJSC and its competitors. For the Banks industry, the median ROE % is 10.23 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Emirates Islamic Bank PJSC's current ROE % is 20.48%, which is 55% above median its own 10-year median of 13.21. 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 ROE % of 20.48%. 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 ROE % is 20.48%, which is 55% above median its 10-year median of 13.21 and 100.3% above the Banks industry median of 10.23. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For Emirates Islamic Bank PJSC (DFM:EIB), the current ROE % is 20.48% 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 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:
ROE %: 20.48% (55% above median its 10-year median of 13.21)
GF Value™: د.إ10.81 vs. price of د.إ10.85 (0.4% above fair value)
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 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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