Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments.
Dubai Islamic Bank PJSC's 3-Year RORE % for the quarter that ended in Mar. 2026 was 4.37%.
The industry rank for Dubai Islamic Bank PJSC's 3-Year RORE % or its related term are showing as below:
DFM:DIB's 3-Year RORE % is ranked worse than 63.99% of 1472
companies
in the Banks industry
Industry Median: 9.87
vs DFM:DIB: 4.37
Dubai Islamic Bank PJSC (DFM:DIB) 3-Year RORE % Explanation
Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.
There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 3-year period is chosen.
Be Aware
Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.
Dubai Islamic Bank PJSC 3-Year RORE % Related Terms
Dubai Islamic Bank PJSC 3-Year RORE % 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.
Dubai Islamic Bank PJSC 3-Year RORE % Competitor Comparison
For the Banks - Regional subindustry, Dubai Islamic Bank PJSC's 3-Year RORE %, along with its competitors' market caps and 3-Year RORE % 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 3-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, Dubai Islamic Bank PJSC's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Dubai Islamic Bank PJSC's 3-Year RORE % 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 3-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Mar. 2026 and 3-year before.
Dubai Islamic Bank PJSC (DFM:DIB) has a 3-Year RORE % of 4.37 as of Mar. 2026. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Dubai Islamic Bank PJSC and its competitors. According to the industry distribution chart, Dubai Islamic Bank PJSC ranks #942 out of 1472 companies in the Banks industry, placing it in the top 64%.
Is Dubai Islamic Bank PJSC's 3-Year RORE % too high?
Dubai Islamic Bank PJSC's current 3-Year RORE % is 4.37. The Banks industry median 3-Year RORE % is 9.87. Dubai Islamic Bank PJSC's value of 4.37 is 55.7% below this industry median. Based on the distribution chart, Dubai Islamic Bank PJSC ranks #942 out of 1472 companies in the Banks industry, which is below the industry midpoint. 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 3-Year RORE % compare to competitors?
According to the Banks industry distribution chart, Dubai Islamic Bank PJSC ranks #942 out of 1472 companies for 3-Year RORE %. This places Dubai Islamic Bank PJSC in the lower half of its industry. The industry median 3-Year RORE % is 9.87. Dubai Islamic Bank PJSC's value of 4.37 is 55.7% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year RORE % for a Banks company?
The median 3-Year RORE % among Banks companies is 9.87, based on 1,472 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Dubai Islamic Bank PJSC's current 3-Year RORE % of 4.37 is 55.7% 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 3-Year RORE % mean?
A high 3-Year RORE % can signal that a stock is expensive relative to its fundamentals. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Dubai Islamic Bank PJSC and its competitors. For the Banks industry, the median 3-Year RORE % is 9.87 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Dubai Islamic Bank PJSC's current 3-Year RORE % is 4.37. 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.إ7.45 — trading 0.1% above its estimated fair value. The current 3-Year RORE % is 4.37 and 55.7% below the Banks industry median of 9.87. 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 3-Year RORE % calculated?
3-Year RORE % is calculated from a company's financial statements. For Dubai Islamic Bank PJSC (DFM:DIB), the current 3-Year RORE % is 4.37 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.إ7.45 is trading 0.1% 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:
3-Year RORE %: 4.37
GF Value™: د.إ7.44 vs. price of د.إ7.45 (0.1% above fair value)
Industry Position: 55.7% below the Banks median (#942 of 1472)
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
3-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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