Dubai Islamic Bank P.J.S.C.

$ 7.76 -2.76 %

Dubai Islamic Bank P.J.S.C., along with its subsidiaries, delivers a comprehensive array of corporate, retail, and investment banking services both within the United Arab Emirates and globally. Its diverse operations are structured into five main divisions: Consumer Banking, Corporate Banking, Treasury, Real Estate Development, and Others. The Consumer Banking segment handles deposits and offers various personal financial products such as consumer murabahas, salam, home finance, ijarah, credit cards, and fund transfer facilities, in addition to specialized priority banking and wealth management solutions. For corporate and institutional clients, the Corporate Banking segment provides current accounts, deposit services, cash and risk management products, and a range of financing and credit facilities. The Treasury segment is responsible for managing the bank's treasury functions. Engaging in property development and a variety of real estate investment initiatives is the purview of the Real Estate Development segment. Lastly, the "Other" segment encompasses investment banking services. The bank further extends its services to include brokerage, Islamic finance advisory, labor services, property management, outsourcing, marketing, consultancy, printing, investment, and vehicle trading services. Founded in 1975, Dubai Islamic Bank P.J.S.C. is headquartered in Dubai, United Arab Emirates.

CEO: Adnan Abdus Shakoor Chilwan - https://www.dib.ae

Price objectif

-

Recommandation

-

DCF

$ 13.16

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DIB.AE vs S&P500

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Quick ratio

0.21

indicates that the company may have difficulty covering its short-term debts with its readily available assets.

P/E ratio

7.84

may indicate that the company is undervalued or has poor growth prospects.

EPS

0.99

is the net profit of a company divided by the number of outstanding shares, indicating the profit earned per share.

ROE

16.38 %

reflects reasonable profitability, showing good use of equity.

ROIC

7.96 %

does not generate enough return to cover its financing costs, which indicates value destruction and may pose long-term profitability issues.

WACC

15.55

is a company's average cost of capital, weighted by the proportion of debt and equity in its financing. It represents the minimum return the company must generate to satisfy its investors.

Debt-to-Equity Ratio

0.46

indicates that the company uses more equity than debt, suggesting prudent management.

Free cash flow per share

0.95

is a measure of a company's financial flexibility that is determined by dividing free cash flow by the total number of shares outstanding.

Dividend payout ratio

1.61 %

indicates that the company is retaining a large portion of its profits to reinvest in growth

Earnings per share

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Financials

Piotroski score
4 indicates moderate financial health
Altman score
-0.47 indicates a high risk of bankruptcy
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Cash / Debt

Cash Ratio
0.21 indicates liquidity risk, as the company may not have enough cash to meet its immediate obligations
Debt Ratio
0.05 indicates that the company uses little debt to finance its assets, suggesting good financial stability
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Free Cash Flow

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Earnings Per Share (annual)

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Sales

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