Commercial International Bank (Egypt) S.A.E (CIBEY)
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Commercial International Bank (Egypt) S.A.E (CIBEY)
No price history available.
Key financial summary
Financials in EGP| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | EGP bn | 11 | 9 | 36 | 7 | 23 | 121 | 145 | - |
| Operating profit | EGP bn | 112 | 122 | ||||||
| Net profit | EGP bn | 10 | 13 | 16 | 30 | 55 | 82 | 88 | - |
| EPS reported | EGP | 18.05 | 21.60 | ||||||
| Operating cashflow per share | EGP | 39.98 | 15.67 | ||||||
| Capex per share | EGP | 2.35 | 1.79 | ||||||
| FCF per share | EGP | 37.63 | 13.88 | ||||||
| Free cash flow | EGP bn | 127 | 47 | ||||||
| Net debt | EGP bn | -189 | -318 | ||||||
| Book value equity | EGP bn | 231 | 238 | ||||||
| Book value per share | EGP | 67.79 | 69.42 | ||||||
| Number of shares | m | 3,414.76 | 3,434.42 | ||||||
| DPS (TTM paid) | EGP | 6.24 | 6.24 |
Financial summary
Financials in EGP| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 5.87 | 5.66 | ||||||
| P/B LTM | x | 1.52 | 1.47 | ||||||
| P/S LTM | x | 2.91 | 2.42 | ||||||
| P/FCF LTM | x | 2.76 | 7.45 | ||||||
| EV/EBITDA LTM | x | 1.42 | 1.32 | ||||||
| EV/Sales LTM | x | 0.72 | 0.62 | ||||||
| Earnings Yield LTM | % | +17.04% | +17.67% | ||||||
| FCF Yield | % | +36.22% | +13.42% | ||||||
| Quality | |||||||||
| ROE | % | +35.53% | +39.40% | ||||||
| ROIC | % | +28.42% | +29.50% | ||||||
| Operating margin | % | +49.69% | +50.44% | ||||||
| Gross margin | % | +53.73% | +68.23% | ||||||
| FCF/Sales | % | +56.60% | +19.63% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +11.49% | +33.42% | ||||||
| Sales Growth YoY | % | +422.73% | +527.46% | ||||||
| Net Income Growth YoY | % | +48.99% | +59.18% | ||||||
| FCF Growth | % | +51.38% | -43.93% | ||||||
| Operating Profit Growth | % | +36.21% | +48.37% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +4.28% | +4.19% | ||||||
| Dividend Growth | % | +145.28% | +145.28% | ||||||
| Payout Ratio | % | +24.34% | +40.96% | ||||||
| FCF/Debt | x | 3.61 | 1.19 | ||||||
| Net Debt/EBITDA | x | -1.66 | -2.59 | ||||||
| EBIT/Net interest | x | 1.07 | 1.58 | ||||||
| Net debt/market cap | % | +10.04% | +8.49% | ||||||
| Net debt/Equity | x | -0.82 | -1.33 | ||||||
| Gross debt/equity | x | 0.15 | 0.17 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
Commercial International Bank (Egypt) S.A.E (CIBEY) is a prominent financial institution in Egypt, delivering a comprehensive suite of retail, corporate, and investment banking solutions. The bank organizes its operations into four primary divisions: Corporate Banking, Investment, Retail Banking, and a category for Other activities. For its diverse clientele, CIBEY offers a variety of deposit products, including checking and savings accounts, specialized 'easy' accounts, time-based deposits, and certificates of deposit. Its extensive lending portfolio features personal loans (including unsecured options), consumer loans, overdraft facilities, home mortgages, educational financing, solar energy loans, travel loans, and vehicle financing. Additionally, the bank provides revolving overdraft services tied to future salaries. Beyond traditional banking, CIBEY facilitates global transactions, offers advanced digital banking platforms, and supports businesses with robust cash management services and other corporate banking provisions. Customers can access a full spectrum of payment tools, such as credit, debit, and prepaid cards, alongside smart wallet functionality, mobile banking, internet banking, phone banking, and a broad ATM network. Furthermore, CIBEY extends various other credit facilities and provides investment savings options. Its sophisticated financial offerings include derivative products, structured financing arrangements, corporate leasing, and advisory services for mergers and acquisitions. The bank also manages foreign currency transactions and offers asset and liability management expertise. CIBEY operates through an extensive network of 215 branches across the country. Established in 1975, the institution was initially known as Chase National Bank. Its corporate headquarters are situated in Giza, Egypt.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Commercial International Bank (Egypt) S.A.E (CIBEY)
No price history available.
Not enough data to calculate KvantraRank
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
Commercial International Bank (Egypt) S.A.E (CIBEY) is a prominent financial institution in Egypt, delivering a comprehensive suite of retail, corporate, and investment banking solutions. The bank organizes its operations into four primary divisions: Corporate Banking, Investment, Retail Banking, and a category for Other activities. For its diverse clientele, CIBEY offers a variety of deposit products, including checking and savings accounts, specialized 'easy' accounts, time-based deposits, and certificates of deposit. Its extensive lending portfolio features personal loans (including unsecured options), consumer loans, overdraft facilities, home mortgages, educational financing, solar energy loans, travel loans, and vehicle financing. Additionally, the bank provides revolving overdraft services tied to future salaries. Beyond traditional banking, CIBEY facilitates global transactions, offers advanced digital banking platforms, and supports businesses with robust cash management services and other corporate banking provisions. Customers can access a full spectrum of payment tools, such as credit, debit, and prepaid cards, alongside smart wallet functionality, mobile banking, internet banking, phone banking, and a broad ATM network. Furthermore, CIBEY extends various other credit facilities and provides investment savings options. Its sophisticated financial offerings include derivative products, structured financing arrangements, corporate leasing, and advisory services for mergers and acquisitions. The bank also manages foreign currency transactions and offers asset and liability management expertise. CIBEY operates through an extensive network of 215 branches across the country. Established in 1975, the institution was initially known as Chase National Bank. Its corporate headquarters are situated in Giza, Egypt.
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