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Emirates Investment Bank PJSC (DFM:EIBANK) 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 (Jun. 2026) net income data. The Revenue data used here is four times the quarterly (Jun. 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.
Emirates Investment Bank PJSC ROE % Related Terms
Emirates Investment Bank PJSC ROE % Historical Data
* 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.
For the Banks - Regional subindustry, Emirates Investment 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 Investment Bank PJSC ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Emirates Investment Bank PJSC's ROE % distribution charts can be found below:
* The bar in red indicates where Emirates Investment 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 (Jun. 2026) net income data.
ROE % is displayed in the 30-year financial page.
Emirates Investment Bank PJSC (DFM:EIBANK) has a ROE % of 1.57% as of Jun. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Emirates Investment Bank PJSC and its competitors. This is 79% below median its historical median of 7.42. According to the industry distribution chart, Emirates Investment Bank PJSC ranks #1293 out of 1522 companies in the Banks industry, placing it in the top 85%.
Is Emirates Investment Bank PJSC's ROE % too high?
Emirates Investment Bank PJSC's current ROE % of 1.57% is 79% below median its 10-year median of 7.42. The Banks industry median ROE % is 10.33. Emirates Investment Bank PJSC's value of 1.57% is 84.8% below this industry median. Based on the distribution chart, Emirates Investment Bank PJSC ranks #1293 out of 1522 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Emirates Investment Bank PJSC has a GF Score™ of 66/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Emirates Investment Bank PJSC's ROE % compare to PNC and USB?
According to the Banks industry distribution chart, Emirates Investment Bank PJSC ranks #1293 out of 1522 companies for ROE %. This places Emirates Investment Bank PJSC in the lower half of its industry. The industry median ROE % is 10.33. Emirates Investment Bank PJSC's value of 1.57% is 84.8% below this benchmark. While the company's 10-year median is 7.42 vs. the industry median of 10.33, Emirates Investment Bank PJSC has consistently been below 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 10.33, based on 1,522 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 Investment Bank PJSC's current ROE % of 1.57% is 84.8% below 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 Investment Bank PJSC and its competitors. For the Banks industry, the median ROE % is 10.33 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Emirates Investment Bank PJSC's current ROE % is 1.57%, which is 79% below median its own 10-year median of 7.42. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Emirates Investment Bank PJSC stock overvalued right now?
Based on GuruFocus' analysis, Emirates Investment Bank PJSC (DFM:EIBANK) is currently considered Modestly Undervalued. The stock's GF Value™ is د.إ69.19, compared to a current price of د.إ56.00 — trading 19.1% below its estimated fair value. The current ROE % is 1.57%, which is 79% below median its 10-year median of 7.42 and 84.8% below the Banks industry median of 10.33. Emirates Investment Bank PJSC's overall GF Score™ is 66/100 with 3 warning signs 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 Investment Bank PJSC (DFM:EIBANK), the current ROE % is 1.57% 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 Emirates Investment Bank PJSC (DFM:EIBANK) Overvalued in 2026?
Based on GuruFocus' analysis, Emirates Investment Bank PJSC stock appears to be undervalued.
The current stock price of د.إ56.00 is trading 19.1% below its estimated GF Value™ of د.إ69.19.
GuruFocus considers Emirates Investment Bank PJSC to be Modestly Undervalued.
Key valuation signals for DFM:EIBANK:
ROE %: 1.57% (79% below median its 10-year median of 7.42)
GF Value™: د.إ69.19 vs. price of د.إ56.00 (19.1% below fair value)
Industry Position: 84.8% below the Banks median (#1293 of 1522)
No single metric tells the full story. See the DFM:EIBANK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Emirates Investment Bank PJSC is engaged in the business of investment advisory and wealth management. The group is organized into two operating business segments: Investments, which is principally involved in managing the company's investment portfolio and provides treasury services; and Banking Service segment, which principally manages clients' investment portfolios, provides credit facilities, accepts deposits from corporate and individual customers, and provides advisory services on corporate finance and capital market transactions. The group generates maximum revenue from its Banking Services segment. Geographically, it mainly operates in the United Arab Emirates.
66GF Score
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