DFM/EMIRATESNBD (DFM/EMIRATESNBD)

Dubai Financial Market: DFM/EMIRATESNBD · AED

AED 30.3

-0.02 (-0.1%)· Recorded snapshot

Market cap	191.3B
Revenue (ttm)	51B
Net income (ttm)	23.7B
EPS (ttm)	AED 3.75
Shares out	6.3B
P/E (trailing)	8.1x
P/E (forward)	7.4x
Dividend	AED 1.00 (3.30%)
Volume	1,967,382
Beta	0.44

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 51B
Net income (ttm): 23.7B
EPS (ttm): AED 3.75
P/E (trailing): 8.1x
P/E (forward): 7.4x
Market cap: 191.3B

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-29 13:30 UTC

Forward P/E7.4

P25 n/aP50 n/aP75 n/a

Trailing P/E8.1

P25 n/aP50 n/aP75 n/a

ROE16.1

P25 n/aP50 n/aP75 n/a

ROICn/a

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

S&P 500+0.5%

Nasdaq Composite-2.4%

Dow Jones Industrial Average+1.8%

Russell 2000+1.8%

All DFM/EMIRATESNBD indicators

Market & fundamental data

Available fields

191

Groups with data

Currency

AED

Showing 191 of 191 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Amount currency	AED
Country	United Arab Emirates
Country code	AE
Earnings date	2026-10-20
Employees	35,000
Exchange	Dubai Financial Market
Financial currency	AED
Financial report date	2026-09-30
First seen	2026-05-10
Fiscal year end	December
Founded	1963
Industry	Banks - Regional
Is primary listing	Yes
ISIN number	AEE000801010
Last earnings date	2026-10-20
Last refreshed	2026-10-29
Last stock split date	2009-04-02
Last stock split type	Forward
Market cap	AED 191.3B
Next earnings date	2027-01-26
Price	AED 30.28
Price currency	AED
Sector	Financials
SIC code	6020
Stock price date	2026-10-29
Symbol	dfm/EMIRATESNBD
Website	https://www.emiratesnbd.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Average P/E ratio (10Y)	7.23x
Average P/E ratio (3Y)	6.41x
Average P/E ratio (5Y)	6.83x
Earnings yield	12.39%
FCF yield	-61.9%
Forward P/E	7.45x
Graham number	44.33694
Graham upside	46.33%
Lynch fair value	AED 91.32
Lynch upside	201.38%
P/B ratio	1.17x
P/E ratio	8.07x
P/S ratio	3.75x
PEG ratio	0.76x
Price / tangible book value	1.28x
Sector forward P/E	7.66x
Sector P/E	8.03x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
Effective tax rate	20.79%
Operating margin	66.46%
Pretax margin	60.22%
Profit margin	47.4%
Profit per employee	AED 676,743
Revenue per employee	AED 1.5M
ROA	1.93%
ROA (5Y)	2.11%
ROE	16.06%
ROE (5Y)	16.83%
Tax / revenue	12.52%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
EPS growth	5.84%
EPS growth (Q)	-2%
EPS growth (QoQ)	1.05%
EPS growth 10Y	11.66%
EPS growth 3Y	4.3%
EPS growth 5Y	24.33%
Net income growth	5.54%
Net income growth (Q)	-1.48%
Net income growth (QoQ)	0.62%
Net income growth 3Y	4.3%
Net income growth 5Y	24.33%
Revenue growth	10.57%
Revenue growth (Q)	7.36%
Revenue growth (QoQ)	5.24%
Revenue growth 10Y	15.04%
Revenue growth 3Y	9.28%
Revenue growth 5Y	24.68%

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
Capital expenditures	AED -522M
EPS	AED 3.75
FCF per share	AED -18.76
Financing cash flow	AED 146.5B
Free cash flow	AED -118.5B
Gross profit	AED 51B
Income taxes	AED 6.4B
Investing cash flow	AED 13.9B
Net borrowing	AED 21.1B
Net cash flow	AED 42.5B
Net income	AED 23.7B
Operating income	AED 33.9B
Revenue	AED 51B

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Book value per share	AED 23.28
Debt / equity	1.33
Net cash (debt)	AED -80.9B
Net cash / market cap	-42.27%
Net debt / equity	0.5
Piotroski F-Score	2
Property, plant and equipment	AED 10B
Shareholders' equity	AED 163.1B
Tangible book value	AED 149.2B
Tangible book value per share	AED 22.17
Total assets	AED 1.4T
Total cash	AED 136.5B
Total debt	AED 217.4B
Total liabilities	AED 1.2T
WACC	3.11%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working capital	AED -642.9B

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Dividend growth	0%
Dividend growth (10Y)	9.6%
Dividend growth (3Y)	18.56%
Dividend growth (5Y)	20.11%
Dividend growth years	0
Dividend payment date	2026-03-04
Dividend payment years	19
Dividend payout frequency	Annual
Dividend per share	AED 1.00
Dividend yield	3.3%
Ex-dividend date	2026-02-26
Last dividend	AED 1.00
Payout ratio	28.17%
Shareholder yield	3.3%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y price change	283.29%
10Y return CAGR	19.52%
10Y total return	494.8%
150-day SMA	AED 29.97
15Y price change	765.14%
15Y return CAGR	20.95%
15Y total return	1,634.29%
1D price change	-0.07%
1M price change	-3.32%
1M total return	-3.32%
1W price change	-2.57%
1W total return	-2.57%
1Y price change	10.71%
1Y return CAGR	13.84%
1Y total return	13.83%
20-day SMA	AED 30.71
200-day SMA	AED 30.43
3M price change	2.23%
3M total return	2.23%
3Y price change	84.07%
3Y return CAGR	28.54%
3Y total return	112.4%
50-day SMA	AED 30.77
50-day SMA vs 200-day SMA	50over200
52-week high	AED 37.40
52-week high date	2026-02-23
52-week low	AED 24.30
52-week low date	2025-11-28
5Y price change	117.06%
5Y return CAGR	22.05%
5Y total return	170.8%
6M price change	1.82%
6M total return	1.82%
All-time high	AED 37.40
All-time high date	2026-02-23
All-time low	AED 2.33
All-time low date	2010-02-01
Average true range (ATR)	AED 0.76
Average volume	1.8M
Beta (1Y)	0.71
Beta (2Y)	0.54
Beta (5Y)	0.44
Change from 52-week high	-19.04%
Change from 52-week low	24.61%
Change from all-time high	-19.04%
Change from all-time low	1,199.57%
Change from open	0.26%
Day's gap	-0.33%
Dollar volume	AED 59.6M
High price	AED 30.28
Low price	AED 29.76
Monthly RSI	58.99
Open price	AED 30.20
Position in 52-week range	100%
Previous close	AED 30.30
Price vs 150-day SMA	1.04%
Price vs 20-day SMA	-1.38%
Price vs 200-day SMA	-0.48%
Price vs 50-day SMA	-1.59%
Relative volume	1.11
RSI	42.66
Sharpe ratio	0.35
Sharpe ratio (3Y)	0.87
Sharpe ratio (5Y)	0.71
Sortino ratio	0.71
Sortino ratio (3Y)	1.57
Sortino ratio (5Y)	1.3
Volume	2M
Weekly RSI	48.73
YTD price change	8.73%
YTD total return	11.79%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	2.4B
Shares change (QoQ)	-0.42%
Shares held by insiders	0.16%
Shares held by institutions	6.12%
Shares outstanding	6.3B

Deeper analysis on DFM/EMIRATESNBD

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

→

Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

→

Sensitivity

Cost-of-equity and terminal-growth stress table.

→

Risks

Kill scenarios, soft-pass flags, and downside catalysts.

→

Earnings

Next earnings setup and beat / inline / miss thresholds.

→

Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

→

Financials

Revenue, margins, cash flow, and balance-sheet context.

→

Peers

Relative valuation and profitability against the cohort.

→

Moat

Economic-profit evidence and competitive advantage risk.

→

Industry cycle

Sector phase, capital cycle, and secular tailwinds.

→

Scorecard

Six-factor overlay and 9-category weighted scorecard.

→

Recommendation

Final action, action steps, opportunity, and biggest risk.

→

Perspectives

Growth, value, and income investor reads.

→

Frequently asked questions

About this DFM/EMIRATESNBD report

Is a complete DFM/EMIRATESNBD research report available?

No complete published report is available for dfm/EMIRATESNBD (DFM/EMIRATESNBD) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

Market cap

191.3B

Revenue (ttm)

51B

Net income (ttm)

23.7B

EPS (ttm)

AED 3.75

Shares out

6.3B

P/E (trailing)

8.1x

P/E (forward)

7.4x

Dividend

AED 1.00 (3.30%)

Volume

1,967,382

Beta

0.44

Metric

Value

Amount currency

AED

Country

United Arab Emirates

Country code

Earnings date

2026-10-20

Employees

35,000

Exchange

Dubai Financial Market

Financial currency

AED

Financial report date

2026-09-30

First seen

2026-05-10

Fiscal year end

December

Founded

1963

Industry

Banks - Regional

Is primary listing

Yes

ISIN number

AEE000801010

Last earnings date

2026-10-20

Last refreshed

2026-10-29

Last stock split date

2009-04-02

Last stock split type

Forward

Market cap

AED 191.3B

Next earnings date

2027-01-26

Price

AED 30.28

Price currency

AED

Sector

Financials

SIC code

6020

Stock price date

2026-10-29

Symbol

dfm/EMIRATESNBD

Website

https://www.emiratesnbd.com

Metric

Value

Average P/E ratio (10Y)

7.23x

Average P/E ratio (3Y)

6.41x

Average P/E ratio (5Y)

6.83x

Earnings yield

12.39%

FCF yield

-61.9%

Forward P/E

7.45x

Graham number

44.33694

Graham upside

46.33%

Lynch fair value

AED 91.32

Lynch upside

201.38%

P/B ratio

1.17x

P/E ratio

8.07x

P/S ratio

3.75x

PEG ratio

0.76x

Price / tangible book value

1.28x

Sector forward P/E

7.66x

Sector P/E

8.03x

Metric

Value

Effective tax rate

20.79%

Operating margin

66.46%

Pretax margin

60.22%

Profit margin

47.4%

Profit per employee

AED 676,743

Revenue per employee

AED 1.5M

ROA

1.93%

ROA (5Y)

2.11%

ROE

16.06%

ROE (5Y)

16.83%

Tax / revenue

12.52%

Metric

Value

EPS growth

5.84%

EPS growth (Q)

-2%

EPS growth (QoQ)

1.05%

EPS growth 10Y

11.66%

EPS growth 3Y

4.3%

EPS growth 5Y

24.33%

Net income growth

5.54%

Net income growth (Q)

-1.48%

Net income growth (QoQ)

0.62%

Net income growth 3Y

4.3%

Net income growth 5Y

24.33%

Revenue growth

10.57%

Revenue growth (Q)

7.36%

Revenue growth (QoQ)

5.24%

Revenue growth 10Y

15.04%

Revenue growth 3Y

9.28%

Revenue growth 5Y

24.68%

Metric

Value

Capital expenditures

AED -522M

EPS

AED 3.75

FCF per share

AED -18.76

Financing cash flow

AED 146.5B

Free cash flow

AED -118.5B

Gross profit

AED 51B

Income taxes

AED 6.4B

Investing cash flow

AED 13.9B

Net borrowing

AED 21.1B

Net cash flow

AED 42.5B

Net income

AED 23.7B

Operating income

AED 33.9B

Revenue

AED 51B

Metric

Value

Book value per share

AED 23.28

Debt / equity

1.33

Net cash (debt)

AED -80.9B

Net cash / market cap

-42.27%

Net debt / equity

0.5

Piotroski F-Score

Property, plant and equipment

AED 10B

Shareholders' equity

AED 163.1B

Tangible book value

AED 149.2B

Tangible book value per share

AED 22.17

Total assets

AED 1.4T

Total cash

AED 136.5B

Total debt

AED 217.4B

Total liabilities

AED 1.2T

WACC

3.11%

Metric

Value

Working capital

AED -642.9B

Metric

Value

Dividend growth

Dividend growth (10Y)

9.6%

Dividend growth (3Y)

18.56%

Dividend growth (5Y)

20.11%

Dividend growth years

Dividend payment date

2026-03-04

Dividend payment years

Dividend payout frequency

Annual

Dividend per share

AED 1.00

Dividend yield

3.3%

Ex-dividend date

2026-02-26

Last dividend

AED 1.00

Payout ratio

28.17%

Shareholder yield

3.3%

Metric

Value

10Y price change

283.29%

10Y return CAGR

19.52%

10Y total return

494.8%

150-day SMA

AED 29.97

15Y price change

765.14%

15Y return CAGR

20.95%

15Y total return

1,634.29%

1D price change

-0.07%

1M price change

-3.32%

1M total return

-3.32%

1W price change

-2.57%

1W total return

-2.57%

1Y price change

10.71%

1Y return CAGR

13.84%

1Y total return

13.83%

20-day SMA

AED 30.71

200-day SMA

AED 30.43

3M price change

2.23%

3M total return

2.23%

3Y price change

84.07%

3Y return CAGR

28.54%

3Y total return

112.4%

50-day SMA

AED 30.77

50-day SMA vs 200-day SMA

50over200

52-week high

AED 37.40

52-week high date

2026-02-23

52-week low

AED 24.30

52-week low date

2025-11-28

5Y price change

117.06%

5Y return CAGR

22.05%

5Y total return

170.8%

6M price change

1.82%

6M total return

1.82%

All-time high

AED 37.40

All-time high date

2026-02-23

All-time low

AED 2.33

All-time low date

2010-02-01

Average true range (ATR)

AED 0.76

Average volume

1.8M

Beta (1Y)

0.71

Beta (2Y)

0.54

Beta (5Y)

0.44

Change from 52-week high

-19.04%

Change from 52-week low

24.61%

Change from all-time high

-19.04%

Change from all-time low

1,199.57%

Change from open

0.26%

Day's gap

-0.33%

Dollar volume

AED 59.6M

High price

AED 30.28

Low price

AED 29.76

Monthly RSI

58.99

Open price

AED 30.20

Position in 52-week range

100%

Previous close

AED 30.30

Price vs 150-day SMA

1.04%

Price vs 20-day SMA

-1.38%

Price vs 200-day SMA

-0.48%

Price vs 50-day SMA

-1.59%

Relative volume

1.11

RSI

42.66

Sharpe ratio

0.35

Sharpe ratio (3Y)

0.87

Sharpe ratio (5Y)

0.71

Sortino ratio

0.71

Sortino ratio (3Y)

1.57

Sortino ratio (5Y)

1.3

Volume

Weekly RSI

48.73

YTD price change

8.73%

YTD total return

11.79%

Metric

Value

Float

2.4B

Shares change (QoQ)

-0.42%

Shares held by insiders

0.16%

Shares held by institutions

6.12%

Shares outstanding

6.3B

DFM/EMIRATESNBD (DFM/EMIRATESNBD)

Price

Financial snapshot

Fair-value bridge

Latest news · DFM/EMIRATESNBD

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All DFM/EMIRATESNBD 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/EMIRATESNBD

Frequently asked questions

DFM/EMIRATESNBD (DFM/EMIRATESNBD)

Price

Financial snapshot

Fair-value bridge

Latest news · DFM/EMIRATESNBD

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All DFM/EMIRATESNBD 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/EMIRATESNBD

Frequently asked questions