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DFM/DIB (DFM/DIB)

Dubai Financial Market: DFM/DIB · AED

AED 6.99

-0.06 (-0.8%)· Recorded snapshot

Market cap	50.5B
Revenue (ttm)	12.6B
Net income (ttm)	7.1B
EPS (ttm)	AED 0.98
Shares out	7.2B
P/E (trailing)	7.2x
P/E (forward)	8.3x
Dividend	AED 0.35 (5.01%)
Volume	2,847,796
Beta	0.06

Market data

Price

Recent price action with selectable time range.

Metric	Value
Amount currency	AED
Country	United Arab Emirates
Country code	AE
Earnings date	2026-10-20
Employees	10,000
Exchange	Dubai Financial Market
Financial currency	AED
Financial report date	2026-09-30
First seen	2026-05-10
Fiscal year end	December
Founded	1975
Industry	Banks - Regional
Is primary listing	Yes
ISIN number	AED000201015
Last earnings date	2026-10-20
Last refreshed	2026-10-28
Last stock split date	2010-04-08
Last stock split type	Forward
Market cap	AED 50.5B
Next earnings date	2027-01-19
Price	AED 6.99
Price currency	AED
Sector	Financials
SIC code	6020
Stock price date	2026-10-28
Symbol	dfm/DIB
Website	https://www.dib.ae

Metric

Value

Amount currency

AED

Country

United Arab Emirates

Country code

Earnings date

2026-10-20

Employees

10,000

Exchange

Dubai Financial Market

Financial currency

AED

Financial report date

2026-09-30

First seen

2026-05-10

Fiscal year end

December

Founded

1975

Industry

Banks - Regional

Is primary listing

Yes

ISIN number

AED000201015

Last earnings date

2026-10-20

Last refreshed

2026-10-28

Last stock split date

2010-04-08

Last stock split type

Forward

Market cap

AED 50.5B

Next earnings date

2027-01-19

Price

AED 6.99

Price currency

AED

Sector

Financials

SIC code

6020

Stock price date

2026-10-28

Symbol

dfm/DIB

Website

https://www.dib.ae

Metric	Value
Adjusted P/E ratio	6.99x
Average P/E ratio (10Y)	8.32x
Average P/E ratio (3Y)	7.4x
Average P/E ratio (5Y)	7.83x
Earnings yield	13.98%
FCF yield	-57.59%
Forward P/E	8.34x
Graham number	11.70547
Graham upside	67.46%
Lynch fair value	AED 20.62
Lynch upside	195%
P/B ratio	0.91x
P/E ratio	7.15x
P/S ratio	4.01x
Price / tangible book value	0.96x
Sector forward P/E	7.74x
Sector P/E	8.03x

Metric

Value

Adjusted P/E ratio

6.99x

Average P/E ratio (10Y)

8.32x

Average P/E ratio (3Y)

7.4x

Average P/E ratio (5Y)

7.83x

Earnings yield

13.98%

FCF yield

-57.59%

Forward P/E

8.34x

Graham number

11.70547

Graham upside

67.46%

Lynch fair value

AED 20.62

Lynch upside

195%

P/B ratio

0.91x

P/E ratio

7.15x

P/S ratio

4.01x

Price / tangible book value

0.96x

Sector forward P/E

7.74x

Sector P/E

8.03x

Metric	Value
Effective tax rate	13.37%
Operating margin	70.02%
Pretax margin	70.87%
Profit margin	58.83%
Profit per employee	AED 706,094
Revenue per employee	AED 1.3M
ROA	1.89%
ROA (5Y)	2.07%
ROE	14.38%
ROE (5Y)	13.95%
Tax / revenue	9.48%

Metric

Value

Effective tax rate

13.37%

Operating margin

70.02%

Pretax margin

70.87%

Profit margin

58.83%

Profit per employee

AED 706,094

Revenue per employee

AED 1.3M

ROA

1.89%

ROA (5Y)

2.07%

ROE

14.38%

ROE (5Y)

13.95%

Tax / revenue

9.48%

Metric	Value
EPS growth	-8.41%
EPS growth (Q)	-3.4%
EPS growth (QoQ)	1.23%
EPS growth 10Y	3.59%
EPS growth 3Y	7.4%
EPS growth 5Y	21.15%
Net income growth	-8.45%
Net income growth (Q)	-3.4%
Net income growth (QoQ)	1.23%
Net income growth 3Y	7.4%
Net income growth 5Y	21.11%
Revenue growth	-4.71%
Revenue growth (Q)	-7.67%
Revenue growth (QoQ)	-3.34%
Revenue growth 10Y	7.04%
Revenue growth 3Y	10.64%
Revenue growth 5Y	14.91%

Metric

Value

EPS growth

-8.41%

EPS growth (Q)

-3.4%

EPS growth (QoQ)

1.23%

EPS growth 10Y

3.59%

EPS growth 3Y

7.4%

EPS growth 5Y

21.15%

Net income growth

-8.45%

Net income growth (Q)

-3.4%

Net income growth (QoQ)

1.23%

Net income growth 3Y

7.4%

Net income growth 5Y

21.11%

Revenue growth

-4.71%

Revenue growth (Q)

-7.67%

Revenue growth (QoQ)

-3.34%

Revenue growth 10Y

7.04%

Revenue growth 3Y

10.64%

Revenue growth 5Y

14.91%

Metric	Value
Capital expenditures	AED -597.1M
EPS	AED 0.98
FCF per share	AED -4.03
Financing cash flow	AED 13.2B
Free cash flow	AED -29.1B
Gross profit	AED 12.3B
Income taxes	AED 1.2B
Investing cash flow	AED 10.9B
Net borrowing	AED -4.8B
Net cash flow	AED -4.5B
Net income	AED 7.1B
Operating income	AED 8.8B
Revenue	AED 12.6B

Metric

Value

Capital expenditures

AED -597.1M

EPS

AED 0.98

FCF per share

AED -4.03

Financing cash flow

AED 13.2B

Free cash flow

AED -29.1B

Gross profit

AED 12.3B

Income taxes

AED 1.2B

Investing cash flow

AED 10.9B

Net borrowing

AED -4.8B

Net cash flow

AED -4.5B

Net income

AED 7.1B

Operating income

AED 8.8B

Revenue

AED 12.6B

Metric	Value
Book value per share	AED 6.23
Debt / equity	0.32
Net cash (debt)	AED 1.4B
Net cash / market cap	2.79%
Net debt / equity	-0.03
Piotroski F-Score	2
Property, plant and equipment	AED 2B
Shareholders' equity	AED 55.7B
Tangible book value	AED 52.4B
Tangible book value per share	AED 6.23
Total assets	AED 427B
Total cash	AED 19.3B
Total debt	AED 17.9B
Total liabilities	AED 371.3B
WACC	3.39%

Metric

Value

Book value per share

AED 6.23

Debt / equity

0.32

Net cash (debt)

AED 1.4B

Net cash / market cap

2.79%

Net debt / equity

-0.03

Piotroski F-Score

Property, plant and equipment

AED 2B

Shareholders' equity

AED 55.7B

Tangible book value

AED 52.4B

Tangible book value per share

AED 6.23

Total assets

AED 427B

Total cash

AED 19.3B

Total debt

AED 17.9B

Total liabilities

AED 371.3B

WACC

3.39%

Metric	Value
Working capital	AED -296.1B

Metric

Value

Working capital

AED -296.1B

Metric	Value
Dividend growth	-22.22%
Dividend growth (10Y)	-2.48%
Dividend growth (3Y)	5.27%
Dividend growth (5Y)	11.84%
Dividend growth years	0
Dividend payment date	2026-04-16
Dividend payment years	19
Dividend payout frequency	Annual
Dividend per share	AED 0.35
Dividend yield	5.01%
Ex-dividend date	2026-04-10
Last dividend	AED 0.35
Payout ratio	38.56%
Shareholder yield	5.01%

Metric

Value

Dividend growth

-22.22%

Dividend growth (10Y)

-2.48%

Dividend growth (3Y)

5.27%

Dividend growth (5Y)

11.84%

Dividend growth years

Dividend payment date

2026-04-16

Dividend payment years

Dividend payout frequency

Annual

Dividend per share

AED 0.35

Dividend yield

5.01%

Ex-dividend date

2026-04-10

Last dividend

AED 0.35

Payout ratio

38.56%

Shareholder yield

5.01%

Metric	Value
10Y price change	32.89%
10Y return CAGR	10.94%
10Y total return	182.23%
150-day SMA	AED 7.37
15Y price change	256.63%
15Y return CAGR	17.48%
15Y total return	1,020.33%
1D price change	-0.85%
1M price change	-4.12%
1M total return	-4.12%
1W price change	-2.78%
1W total return	-2.78%
1Y price change	-28.31%
1Y return CAGR	-24.99%
1Y total return	-24.98%
20-day SMA	AED 7.12
200-day SMA	AED 7.76
20Y price change	-8.38%
20Y return CAGR	6.67%
20Y total return	263.59%
3M price change	-6.8%
3M total return	-6.8%
3Y price change	33.91%
3Y return CAGR	17.06%
3Y total return	60.4%
50-day SMA	AED 7.24
50-day SMA vs 200-day SMA	50under200
52-week high	AED 10.20
52-week high date	2026-02-10
52-week low	AED 6.97
52-week low date	2026-03-17
5Y price change	36.52%
5Y return CAGR	12.5%
5Y total return	80.2%
6M price change	-3.19%
6M total return	-3.19%
All-time high	AED 20.92
All-time high date	2005-11-15
All-time low	AED 0.97
All-time low date	2001-10-18
Average true range (ATR)	AED 0.09
Average volume	2.8M
Beta (1Y)	0.21
Beta (2Y)	0.16
Beta (5Y)	0.06
Change from 52-week high	-31.47%
Change from 52-week low	0.29%
Change from all-time high	-66.58%
Change from all-time low	620.25%
Change from open	-0.85%
Day's gap	0%
Dollar volume	AED 19.9M
High price	AED 7.06
Low price	AED 6.98
Monthly RSI	43.46
Open price	AED 7.05
Position in 52-week range	12.5%
Previous close	AED 7.05
Price vs 150-day SMA	-5.18%
Price vs 20-day SMA	-1.8%
Price vs 200-day SMA	-9.86%
Price vs 50-day SMA	-3.39%
Relative volume	1
RSI	40.96
Sharpe ratio	-1.04
Sharpe ratio (3Y)	0.66
Sharpe ratio (5Y)	0.51
Sortino ratio	-1.21
Sortino ratio (3Y)	1.26
Sortino ratio (5Y)	1.03
Volume	2.8M
Weekly RSI	36.23
YTD price change	-24.6%
YTD total return	-21.1%

Metric

Value

10Y price change

32.89%

10Y return CAGR

10.94%

10Y total return

182.23%

150-day SMA

AED 7.37

15Y price change

256.63%

15Y return CAGR

17.48%

15Y total return

1,020.33%

1D price change

-0.85%

1M price change

-4.12%

1M total return

-4.12%

1W price change

-2.78%

1W total return

-2.78%

1Y price change

-28.31%

1Y return CAGR

-24.99%

1Y total return

-24.98%

20-day SMA

AED 7.12

200-day SMA

AED 7.76

20Y price change

-8.38%

20Y return CAGR

6.67%

20Y total return

263.59%

3M price change

-6.8%

3M total return

-6.8%

3Y price change

33.91%

3Y return CAGR

17.06%

3Y total return

60.4%

50-day SMA

AED 7.24

50-day SMA vs 200-day SMA

50under200

52-week high

AED 10.20

52-week high date

2026-02-10

52-week low

AED 6.97

52-week low date

2026-03-17

5Y price change

36.52%

5Y return CAGR

12.5%

5Y total return

80.2%

6M price change

-3.19%

6M total return

-3.19%

All-time high

AED 20.92

All-time high date

2005-11-15

All-time low

AED 0.97

All-time low date

2001-10-18

Average true range (ATR)

AED 0.09

Average volume

2.8M

Beta (1Y)

0.21

Beta (2Y)

0.16

Beta (5Y)

0.06

Change from 52-week high

-31.47%

Change from 52-week low

0.29%

Change from all-time high

-66.58%

Change from all-time low

620.25%

Change from open

-0.85%

Day's gap

Dollar volume

AED 19.9M

High price

AED 7.06

Low price

AED 6.98

Monthly RSI

43.46

Open price

AED 7.05

Position in 52-week range

12.5%

Previous close

AED 7.05

Price vs 150-day SMA

-5.18%

Price vs 20-day SMA

-1.8%

Price vs 200-day SMA

-9.86%

Price vs 50-day SMA

-3.39%

Relative volume

RSI

40.96

Sharpe ratio

-1.04

Sharpe ratio (3Y)

0.66

Sharpe ratio (5Y)

0.51

Sortino ratio

-1.21

Sortino ratio (3Y)

1.26

Sortino ratio (5Y)

1.03

Volume

2.8M

Weekly RSI

36.23

YTD price change

-24.6%

YTD total return

-21.1%

Metric	Value
Float	5.1B
Shares change (QoQ)	0%
Shares held by insiders	0.94%
Shares held by institutions	6.44%
Shares outstanding	7.2B

Metric

Value

Float

5.1B

Shares change (QoQ)

Shares held by insiders

0.94%

Shares held by institutions

6.44%

Shares outstanding

7.2B

DFM/DIB (DFM/DIB)

Price

Financial snapshot

Fair-value bridge

Latest news · DFM/DIB

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All DFM/DIB indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on DFM/DIB

Frequently asked questions