Commercial International Bank Egypt SAE

Chart & Performance

D1W1MN

P/E

7.07

P/S

3.49

EPS

10.39

Div Yield, %

114.52%

Shrs. gr., 5y

0.43%

Rev. gr., 5y

22.29%

Revenues

59.99b

+64.69%

Net income

29.63b

+83.90%

CFO

174.31b

+168.56%

Dividend

Apr 18, 20240.011566 GBP/sh

Earnings

Feb 10, 2025

Profile

Commercial International Bank (Egypt) S.A.E provides retail, corporate, and investment banking services in Egypt. The company operates in four segments: Corporate Banking, Investment, Retail Banking, and Others. It offers current and saving accounts, easy accounts, time deposits, and certificates of deposit; and personal/overdraft/mortgage, educational, solar, travel, car finance, and unsecured personal loans, as well as revolving overdraft salary upfront services. The company also offers global transaction and digital banking; and cash management services, as well as corporate banking services. In addition, it provides credit, debit, and prepaid cards, smart wallet, mobile, Internet, phone banking, and ATM services. Further, the company offers other credit facilities; derivative products; financial instruments trading, structured financing, corporate leasing, and merger and acquisitions advisory; and foreign currency services, as well as assets liabilities services. Additionally, the company provides structured financing, corporate leasing, merger, and acquisition services, as well as trades in financial instruments. Furthermore, the company offers investment savings products, consumer loans and mortgage services. It operates through 215 branches. The company was formerly known as Chase National Bank. Commercial International Bank (Egypt) S.A.E was founded in 1975 and is headquartered in Giza, Egypt.

URL

https://www.cibeg.com/

IPO date

Feb 02, 1995

Employees

7,725

Domiciled in

Incorporated in

Valuation

Order:

Title EGP in thousands, except ratios and share amounts	FY	FY	FY	FY	FY	FY	FY	FY	FY	FY
Title EGP in thousands, except ratios and share amounts	2023‑12	2022‑12	2021‑12	2020‑12	2019‑12	2018‑12	2017‑12	2016‑12	2015‑12	2014‑12
Income
Revenues	59,988,240 64.69%	36,424,588 26.02%	28,904,043 1.55%
Cost of revenue	4,100,084	3,303,313	2,680,826
Unusual Expense (Income)
NOPBT	55,888,156	33,121,275	26,223,217
NOPBT Margin	93.17%	90.93%	90.73%
Operating Taxes	11,942,406	7,769,136	5,565,599
Tax Rate	21.37%	23.46%	21.22%
NOPAT	43,945,750	25,352,139	20,657,618
Net income	29,634,542 83.90%	16,114,388 21.41%	13,272,209 29.63%
Dividends	(3,755,996)	(4,420,569)	(1,384,721)
Dividend yield			0.87%
Proceeds from repurchase of equity	369,876	122,716
BB yield
Debt
Debt current
Long-term debt	15,557,256	10,435,582	6,698,045
Deferred revenue
Other long-term liabilities	(15,557,256)	(828,730)	(6,698,045)
Net debt	(560,103,189)	(411,585,203)	(331,354,009)
Cash flow
Cash from operating activities	174,305,009	64,902,547	31,465,793
CAPEX	(1,685,846)	(1,033,499)	(981,186)
Cash from investing activities	(34,692,176)	(32,438,527)	(43,762,724)
Cash from financing activities	1,735,554	(560,316)	(2,433,622)
FCF	33,631,125	21,987,995	18,312,954
Balance
Cash	302,973,065	181,349,269	123,634,017
Long term investments	272,687,380	240,671,516	214,418,037
Excess cash	572,661,033	420,199,556	336,606,852
Stockholders' equity	60,348,414	46,799,406	33,853,355
Invested Capital	774,517,685	585,980,928	462,147,498
ROIC	6.46%	4.84%	4.79%
ROCE	6.69%	5.23%	5.29%
EV
Common stock shares outstanding	3,001,981	3,010,523	3,010,523
Price			52.99 19.37%
Market cap			159,527,614 21.58%
EV			(171,371,860)
EBITDA	56,796,821	34,058,699	27,159,900
EV/EBITDA
Interest	51,098,717	24,718,803	20,112,378
Interest/NOPBT	91.43%	74.63%	76.70%