Dubai Islamic Bank PJSC (DIB) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

MarketsMojo — Loved in India, Now Global

The power of Mojo is now in 29 countries. Explore global equities with the same cutting-edge features you love.Unlock 29 Markets

Comparison

Company

Score

Quality

Valuation

Financial

Technical

Emirates NBD Bank PJSC

Commercial Bank of Dubai

National Bank of Fujairah PJSC

Emirates Islamic Bank PJSC

Abu Dhabi Commercial Bank

Sharjah Islamic Bank

Dubai Islamic Bank PJSC

Ajman Bank PJSC

Bank of Sharjah PSC

Commercial Bank International PSC

Why is Dubai Islamic Bank PJSC ?

Flat results in Jun 25

OPERATING CASH FLOW(Y) Lowest at AED 5,936.05 MM
NII(Q) Lowest at AED 2,130.35 MM
CREDIT DEPOSIT RATIO(HY) Lowest at 87.33%

Real-Time Research Report

Verdict Report

How much should you sell?

All quantity irrespective of whether you are making profits or losses

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Major Banks)

When to re-enter? - We will constantly monitor the company and review our call based on new data

Is Dubai Islamic Bank PJSC for you?

Medium Risk, High Return

Absolute

Risk Adjusted

Volatility

Dubai Islamic Bank PJSC

38.38%

3.58

19.49%

Abu Dhabi Securities Exchange

7.69%

0.97

8.15%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

12.95%

EBIT Growth (5y)

16.34%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

43.30%

Pledged Shares

Institutional Holding

0.48%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.74

EV to EBIT

8.87

EV to EBITDA

8.65

EV to Capital Employed

1.60

EV to Sales

4.05

PEG Ratio

0.54

Dividend Yield

4.72%

ROCE (Latest)

18.08%

ROE (Latest)

19.62%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Bullish

RSI

No Signal

Bollinger Bands

Mildly Bearish

Bullish

Moving Averages

Mildly Bullish (Daily)

KST

Mildly Bearish

Bullish

Dow Theory

Mildly Bullish

No Trend

OBV

Mildly Bearish

No Trend

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

1What is working for the Company

NO KEY POSITIVE TRIGGERS

-5What is not working for the Company

OPERATING CASH FLOW(Y)

Lowest at AED 5,936.05 MM

NII(Q)

Lowest at AED 2,130.35 MM

CREDIT DEPOSIT RATIO(HY)

Lowest at 87.33%

Here's what is working for Dubai Islamic Bank PJSC

Depreciation

Highest at AED 59.49 MM

in the last five periods

MOJO Watch

The expenditure on assets done by the company may have gone into operation

Depreciation (AED MM)

Here's what is not working for Dubai Islamic Bank PJSC

NII

Lowest at AED 2,130.35 MM

in the last five periods

MOJO Watch

The bank's income from core business is falling

NII (AED MM)

Operating Cash Flow

Lowest at AED 5,936.05 MM

in the last three years

MOJO Watch

The company's cash revenues from business operations are falling

Operating Cash Flows (AED MM)

Credit Deposit Ratio

Lowest at 87.33%

in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets

Credit Deposit Ratio (%)

Capital Adequacy Ratio

Lowest at 15.6%

in the last five periods

MOJO Watch

The Bank's capital base vs its risk assets is deteriorating.

CAR (%)