1. United Arab Emirates Stocks

  2. •

    Finance

  3. •

    Major banks
Dubai Islamic Bank PJSC

Dubai Islamic Bank PJSC

DDFM:DIB
7.13
AED
-0.06
(-0.83%)
53.84BMarket Cap
Feb 16Next Earn
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
0.87
1.05
1.28
1.27
1.21
1.32
1.4
1.31
1.29
1.43
1.58
1.7
1.74
- -
Basic EPS, GAAP
0.34
0.55
0.73
0.7
0.69
0.8
0.76
0.46
0.61
0.76
0.94
1.1
1.04
- -
Free Cash Flow per Basic Share
1.95
0.03
0.64
0.33
1.35
0.69
0.23
-0.15
0.8
0.98
2.76
2.07
1.74
0.57
Dividend per Share
0.12
0.21
0.33
0.34
0.36
0.36
0.35
0.35
0.2
0.25
0.3
0.46
0.47
- -
Book Value per Share
2.94
3.2
4.22
4.42
4.68
4.78
4.87
5.61
5.38
5.72
6.17
6.89
6.91
7.01
Tangible Book Value per Share
2.94
3.2
4.22
4.42
4.68
4.78
4.87
5.58
5.36
5.7
6.16
6.89
6.91
7.01
Basic Weighted Avg Shares
4,792
4,855
4,854
5,173
6,241
6,118
6,576
7,227
7,227
7,227
7,227
7,227
7,227
7,227
Sales/Revenue/Turnover
4,190
5,106
6,201
6,544
7,565
8,064
9,208
9,445
9,292
10,341
11,450
12,268
12,576
- -
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
135
137
154
158
165
134
139
259
247
251
273
265
260
- -
Net Income, GAAP
1,611
2,661
3,556
3,597
4,322
4,916
5,014
3,294
4,391
5,474
6,798
7,934
7,500
- -
Effective Tax Rate (%)
0.23
0.65
0.41
0.54
0.54
0.84
0.82
1.44
0.86
1.41
1.37
9.33
13.28
- -
Profit Margin (%)
38.45
52.11
57.34
54.96
57.13
60.97
54.46
34.87
47.25
52.94
59.37
64.67
59.64
- -
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
2,808
2,847
5,602
7,695
8,659
12,371
15,129
19,005
20,776
22,510
20,609
24,366
25,567
16,623
Total Equity
16,342
17,706
22,794
27,269
28,881
34,127
34,732
43,130
41,465
43,975
47,434
52,853
53,135
53,890
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
7.66
12.68
13.37
9.92
11.42
11.49
10.22
6.12
7.04
8.39
9.79
10.61
9.23
- -
Return on Common Equity (%)
13.78
17.85
19.76
16
17.14
17.13
15.8
9.08
11.06
13.66
15.83
16.81
15.04
- -

Capital Structure

AED

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
7,227
7,227
7,227
Market Capitalization
66,995
52,902
53,842

Working Capital

AED

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
78,200
70,521
72,208
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

AED

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
9.17%
4.4%
0.53%
Free Cash Flow
-39.84%
-93.45%
-15.96%
Net Income, GAAP
9.62%
18.68%
-5.47%
Sales/Revenue/Turnover
7.46%
6.01%
2.51%
Total Cash Common Dividend
10.79%
11.45%
0.72%

Quarterly Revenue

AED

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
2,903
3,026
2,891
3,464
12,268
2025
3,070
3,052
- -
3,164
12,576
2026
3,456
3,127
- -
- -
- -

Quarterly Earnings Per Share

AED

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.22
0.23
0.28
0.36
1.1
2025
0.24
0.26
- -
0.28
1.04
2026
0.24
0.26
- -
- -
- -

Quarterly Dividends Per Share

AED

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.45
0.01
- -
- -
0.46
2025
0.45
0.02
- -
- -
0.47
2026
- -
- -
- -
- -
- -

Company Description

Company Profile APIChatGPT
CEO
Adnan Abdul Shakoor Chilwan
Full Time Employees
9,000
Sector
Finance
Industry
Major banks
Address
PO Box 1080 Dubai DU United Arab Emirates 1080
IPO Date
Sep 18, 2004
Website
dib.ae
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Business
Dubai Islamic Bank P.J.S.C. (DIB.AE) is the largest Islamic bank in the United Arab Emirates and a pioneer in Sharia-compliant financial services, offering a comprehensive range of banking products across consumer, corporate, SME, investment, and treasury segments; these include deposit accounts, consumer murabahas, salam financing, home finance, ijarah leasing, personal finance, auto finance, credit cards, business financing solutions, cash management, real estate finance, debt capital markets, sukuk issuances, foreign exchange, profit rate hedging, commodity hedging, and structured investments. Founded in 1975 and headquartered in Deira, Dubai, the bank operates over 90 branches in the UAE and maintains a presence in seven countries across Asia, Africa, and Europe, including Pakistan, Kenya, Indonesia, Turkey, Sudan, and Bosnia, serving more than 5 million customers with tailored services for individuals, SMEs, corporates, sovereigns, and government-related entities. In recent developments, DIB increased its stake in Turkey's T.O.M. Group digital bank from 20% to 25% in January 2025 to bolster its fintech ecosystem and Sharia-compliant digital offerings; executed the first Islamic finance lease agreement with Turkish Airlines for Airbus A350 aircraft in July 2025; celebrated its golden jubilee in May 2025 with a new corporate identity emphasizing innovation and sustainability; and forged a strategic AI innovation partnership with HCLTech while pursuing selective mergers and acquisitions in banking and fintech to support 16% asset growth to AED 174 billion as of Q3 2025.