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Dubai Islamic Bank P.J.S.C. (DIB.AE)

Company Dividend Discount ModelIndustry: Banks - RegionalSector: Financial Services

Valuation Snapshot

Stable Growth$61.73 - $222.76$196.41
Multi-Stage$28.41 - $31.07$29.71
Blended Fair Value$113.06
Current Price$9.58
Upside1,080.17%
DecisionBuy

Dividend History & Growth Metrics (10Y)

Metric5Y CAGR10Y CAGR2024202320222021202020192018201720162015
DPS7.77%12.89%0.460.300.250.200.350.320.310.310.250.22
YoY Growth--54.44%20.00%25.00%-42.93%9.98%3.64%-0.02%24.87%12.16%59.26%
Dividend Yield--6.46%5.16%4.78%3.24%7.70%8.85%6.34%6.39%4.94%4.56%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)
Net Income To Common (M)8,095.02
(-) Cash Dividends Paid (M)3,372.58
(=) Cash Retained (M)4,722.44
MetricLOWBASEHIGH
Required Retention Ratio20.0%12.5%7.5%
(=) Cash Required (M)1,619.001,011.88607.13
Cash Retained (M)4,722.444,722.444,722.44
(-) Cash Required (M)-1,619.00-1,011.88-607.13
(=) Excess Retained (M)3,103.433,710.564,115.31
(/) Shares Outstanding (M)7,227.117,227.117,227.11
(=) Excess Retained per Share0.430.510.57
LTM Dividend per Share0.470.470.47
(+) Excess Retained per Share0.430.510.57
(=) Adjusted Dividend0.900.981.04
WACC / Discount Rate7.03%7.03%7.03%
Growth Rate5.50%6.50%7.50%
Fair Value$61.73$196.41$222.76
Upside / Downside544.36%1,950.16%2,225.24%

Multi-Stage Model: Projections

(USD in Millions)
MetricTTMDec-27Dec-28Dec-29Dec-30Dec-31Terminal
Net Income (M)8,095.028,621.199,181.579,778.3710,413.9711,090.8711,423.60
Payout Ratio41.66%51.33%61.00%70.66%80.33%90.00%92.50%
Projected Dividends (M)3,372.584,425.255,600.526,909.888,365.809,981.7910,566.83

Multi-Stage Valuation

MetricLOWBASEHIGH
WACC / Discount Rate7.03%7.03%7.03%
Growth Rate5.50%6.50%7.50%
Year 1 PV (M)4,095.714,134.534,173.36
Year 2 PV (M)4,797.464,888.844,981.08
Year 3 PV (M)5,478.295,635.555,795.80
Year 4 PV (M)6,138.666,374.736,617.55
Year 5 PV (M)6,779.007,106.437,446.39
PV of Terminal Value (M)178,008.85186,606.75195,533.70
Equity Value (M)205,297.98214,746.84224,547.88
Shares Outstanding (M)7,227.117,227.117,227.11
Fair Value$28.41$29.71$31.07
Upside / Downside196.52%210.17%224.32%

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