Commercial International Bank (Egypt) S.A.E Logo

Commercial International Bank (Egypt) S.A.E

CBKD.L

(3.2)
Stock Price

1,71 USD

2.61% ROA

39.35% ROE

8.79x PER

Market Cap.

251.381.367.328,73 USD

20.41% DER

0.7% Yield

48.39% NPM

Commercial International Bank (Egypt) S.A.E Stock Analysis

Commercial International Bank (Egypt) S.A.E Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Commercial International Bank (Egypt) S.A.E Fundamental Stock Analysis
# Analysis Rating
1 ROE

ROE surpassing expectations (31.99%) highlights strong profitability and efficient use of shareholders' equity, making it an appealing investment prospect.

2 DER

The stock has a minimal amount of debt (21%) relative to its ownership, showcasing a strong financial position and lower risk for investors.

3 Revenue Growth

This company's revenue has experienced steady growth over the last five years, indicating a reliable and prosperous financial trajectory.

4 Assets Growth

With a track record of consistent revenue growth in the past five years, this company presents a compelling opportunity.

5 ROA

The stock's ROA (2.62%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

6 PBV

The stock's PBV ratio (2.32x) indicates a justifiable valuation, presenting a compelling choice for investors seeking reasonable returns.

7 Net Profit Growth

With continuous net profit growth in the past three years, this company demonstrates a strong financial performance, making it an enticing investment opportunity.

8 Graham Number

The Graham number calculation reveals that this company's stock price is potentially underestimated, implying that it may be a promising investment option.

9 Buffet Intrinsic Value

Based on Warren Buffett's formula, the company's stock appears undervalued (130), presenting an attractive investment chance with its intrinsic value surpassing the current market price.

10 Dividend Growth

Investors should note the company's stagnant dividend growth over the past three years, indicating limited profitability and potentially diminishing returns.

11 Dividend

The company's decision to withhold dividends for three years raises questions about its ability to generate consistent returns.

Commercial International Bank (Egypt) S.A.E Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Commercial International Bank (Egypt) S.A.E Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

Commercial International Bank (Egypt) S.A.E Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Commercial International Bank (Egypt) S.A.E Revenue
Year Revenue Growth
2005 0
2006 1.641.443.054 100%
2007 2.292.138.920 28.39%
2008 3.103.646.085 26.15%
2009 3.414.565.958 9.11%
2010 3.875.833.496 11.9%
2011 3.961.428.295 2.16%
2012 5.420.665.168 26.92%
2013 7.212.216.540 24.84%
2014 8.742.305.000 17.5%
2015 10.519.728.000 16.9%
2016 12.165.639.000 13.53%
2017 15.987.456.000 23.91%
2018 21.936.491.000 27.12%
2019 25.143.362.000 12.75%
2020 28.464.046.000 11.67%
2021 28.904.043.000 1.52%
2022 36.424.588.000 20.65%
2023 59.594.412.000 38.88%
2023 59.988.240.000 0.66%
2024 103.544.316.000 42.07%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Commercial International Bank (Egypt) S.A.E Research and Development Expenses
Year Research and Development Expenses Growth
2005 0
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Commercial International Bank (Egypt) S.A.E General and Administrative Expenses
Year General and Administrative Expenses Growth
2005 0
2006 604.812.445 100%
2007 697.705.207 13.31%
2008 1.038.662.088 32.83%
2009 1.170.802.794 11.29%
2010 703.792.938 -66.36%
2011 704.635.517 0.12%
2012 1.559.401.781 54.81%
2013 924.959.239 -68.59%
2014 836.660.000 -10.55%
2015 646.351.000 -29.44%
2016 1.149.165.000 43.75%
2017 1.375.467.000 16.45%
2018 1.276.981.000 -7.71%
2019 2.240.472.000 43%
2020 2.452.509.000 8.65%
2021 2.680.826.000 8.52%
2022 3.303.313.000 18.84%
2023 8.932.908.000 63.02%
2023 4.100.084.000 -117.87%
2024 11.481.952.000 64.29%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Commercial International Bank (Egypt) S.A.E EBITDA
Year EBITDA Growth
2005 678.895.603
2006 2.350.320.897 71.11%
2007 3.376.253.322 30.39%
2008 3.745.222.382 9.85%
2009 4.175.682.109 10.31%
2010 4.617.830.296 9.57%
2011 5.093.581.754 9.34%
2012 7.277.165.823 30.01%
2013 8.883.943.334 18.09%
2014 10.641.193.000 16.51%
2015 12.889.692.000 17.44%
2016 17.645.102.000 26.95%
2017 26.944.574.000 34.51%
2018 32.860.061.000 18%
2019 17.350.140.000 -89.39%
2020 16.005.590.000 -8.4%
2021 19.774.491.000 19.06%
2022 49.539.751.000 60.08%
2023 44.767.452.000 -10.66%
2023 42.485.613.000 -5.37%
2024 84.753.360.000 49.87%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Commercial International Bank (Egypt) S.A.E Gross Profit
Year Gross Profit Growth
2005 0
2006 1.641.443.054 100%
2007 2.292.138.920 28.39%
2008 3.103.646.085 26.15%
2009 3.414.565.958 9.11%
2010 3.875.833.496 11.9%
2011 3.961.428.295 2.16%
2012 5.457.296.338 27.41%
2013 7.212.357.675 24.33%
2014 8.739.844.000 17.48%
2015 10.519.728.000 16.92%
2016 12.165.639.000 13.53%
2017 15.987.456.000 23.91%
2018 22.131.142.000 27.76%
2019 25.143.362.000 11.98%
2020 28.464.046.000 11.67%
2021 28.904.043.000 1.52%
2022 36.424.588.000 20.65%
2023 59.594.412.000 38.88%
2023 59.988.240.000 0.66%
2024 103.544.316.000 42.07%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Commercial International Bank (Egypt) S.A.E Net Profit
Year Net Profit Growth
2005 610.136.804
2006 802.044.764 23.93%
2007 1.285.775.353 37.62%
2008 1.370.592.742 6.19%
2009 1.708.238.925 19.77%
2010 2.005.545.505 14.82%
2011 1.614.738.322 -24.2%
2012 2.226.180.503 27.47%
2013 3.006.487.540 25.95%
2014 3.741.456.000 19.64%
2015 4.227.001.000 11.49%
2016 6.009.118.000 29.66%
2017 7.515.555.000 20.04%
2018 9.062.467.000 17.07%
2019 11.800.995.000 23.21%
2020 10.238.157.000 -15.26%
2021 13.272.209.000 22.86%
2022 16.114.388.000 17.64%
2023 31.950.568.000 49.56%
2023 29.634.542.000 -7.82%
2024 62.490.144.000 52.58%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Commercial International Bank (Egypt) S.A.E Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2005 0
2006 0 0%
2007 0 0%
2008 0 0%
2009 1 0%
2010 1 0%
2011 1 0%
2012 1 0%
2013 1 0%
2014 1 100%
2015 1 0%
2016 2 0%
2017 2 50%
2018 3 33.33%
2019 4 25%
2020 3 -33.33%
2021 4 25%
2022 5 0%
2023 10 55.56%
2023 10 0%
2024 0 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Commercial International Bank (Egypt) S.A.E Free Cashflow
Year Free Cashflow Growth
2005 1.840.485.550
2006 -2.456.630.168 174.92%
2007 -3.354.190.276 26.76%
2008 3.699.522.617 190.67%
2009 1.746.148.239 -111.87%
2010 2.284.162.737 23.55%
2011 -669.185.862 441.33%
2012 7.304.575.424 109.16%
2013 10.125.555.454 27.86%
2014 16.147.511.000 37.29%
2015 19.315.134.000 16.4%
2016 41.767.972.000 53.76%
2017 989.027.000 -4123.14%
2018 25.667.866.000 96.15%
2019 20.311.077.000 -26.37%
2020 28.094.127.000 27.7%
2021 30.484.607.000 7.84%
2022 63.869.048.000 52.27%
2023 172.619.163.000 63%
2023 119.662.660.000 -44.25%
2024 40.800.094.000 -193.29%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Commercial International Bank (Egypt) S.A.E Operating Cashflow
Year Operating Cashflow Growth
2005 2.013.690.710
2006 -2.194.434.518 191.76%
2007 -3.069.557.569 28.51%
2008 3.898.410.201 178.74%
2009 1.922.975.452 -102.73%
2010 2.390.279.820 19.55%
2011 -511.553.573 567.26%
2012 7.516.448.844 106.81%
2013 10.654.922.545 29.46%
2014 16.390.898.000 34.99%
2015 19.619.535.000 16.46%
2016 42.328.603.000 53.65%
2017 1.734.116.000 -2340.93%
2018 26.542.574.000 93.47%
2019 21.614.258.000 -22.8%
2020 29.185.956.000 25.94%
2021 31.465.793.000 7.25%
2022 64.902.547.000 51.52%
2023 174.305.009.000 62.76%
2023 119.932.409.000 -45.34%
2024 41.721.604.000 -187.46%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Commercial International Bank (Egypt) S.A.E Capital Expenditure
Year Capital Expenditure Growth
2005 173.205.159
2006 262.195.650 33.94%
2007 284.632.707 7.88%
2008 198.887.584 -43.11%
2009 176.827.213 -12.48%
2010 106.117.083 -66.63%
2011 157.632.289 32.68%
2012 211.873.420 25.6%
2013 529.367.091 59.98%
2014 243.387.000 -117.5%
2015 304.401.000 20.04%
2016 560.631.000 45.7%
2017 745.089.000 24.76%
2018 874.708.000 14.82%
2019 1.303.181.000 32.88%
2020 1.091.829.000 -19.36%
2021 981.186.000 -11.28%
2022 1.033.499.000 5.06%
2023 1.685.846.000 38.7%
2023 269.749.000 -524.97%
2024 921.510.000 70.73%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Commercial International Bank (Egypt) S.A.E Equity
Year Equity Growth
2005 2.527.258.811
2006 3.327.117.490 24.04%
2007 4.387.213.469 24.16%
2008 5.865.836.042 25.21%
2009 7.041.663.514 16.7%
2010 8.618.938.061 18.3%
2011 8.786.434.644 1.91%
2012 10.869.954.480 19.17%
2013 12.007.126.821 9.47%
2014 14.803.432.000 18.89%
2015 16.076.264.000 7.92%
2016 21.507.533.000 25.25%
2017 28.438.739.000 24.37%
2018 34.719.220.000 18.09%
2019 51.880.445.000 33.08%
2020 59.958.811.000 13.47%
2021 69.302.737.000 13.48%
2022 68.338.168.000 -1.41%
2023 90.641.466.000 24.61%
2023 68.635.637.000 -32.06%
2024 119.378.481.000 42.51%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Commercial International Bank (Egypt) S.A.E Assets
Year Assets Growth
2005 30.389.541.755
2006 37.422.495.623 18.79%
2007 47.763.248.110 21.65%
2008 57.461.793.831 16.88%
2009 64.124.697.953 10.39%
2010 75.425.433.625 14.98%
2011 85.534.175.590 11.82%
2012 94.014.450.306 9.02%
2013 113.751.995.426 17.35%
2014 143.813.322.000 20.9%
2015 179.535.695.000 19.9%
2016 267.543.755.000 32.89%
2017 294.782.092.000 9.24%
2018 344.050.729.000 14.32%
2019 386.742.368.000 11.04%
2020 427.842.167.000 9.61%
2021 498.235.838.000 14.13%
2022 635.831.917.000 21.64%
2023 834.866.099.000 23.84%
2023 796.291.160.000 -4.84%
2024 1.057.167.927.000 24.68%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Commercial International Bank (Egypt) S.A.E Liabilities
Year Liabilities Growth
2005 27.862.282.943
2006 34.095.378.133 18.28%
2007 43.376.034.641 21.4%
2008 51.595.957.789 15.93%
2009 57.083.034.439 9.61%
2010 66.806.495.564 14.55%
2011 76.747.740.946 12.95%
2012 83.144.495.826 7.69%
2013 101.744.868.605 18.28%
2014 129.009.890.000 21.13%
2015 163.459.431.000 21.08%
2016 246.036.222.000 33.56%
2017 266.343.353.000 7.62%
2018 309.331.509.000 13.9%
2019 334.861.923.000 7.62%
2020 367.883.356.000 8.98%
2021 428.933.101.000 14.23%
2022 567.493.749.000 24.42%
2023 744.224.633.000 23.75%
2023 727.655.523.000 -2.28%
2024 937.789.446.000 22.41%

Commercial International Bank (Egypt) S.A.E Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
16.09
Net Income per Share
9.08
Price to Earning Ratio
8.79x
Price To Sales Ratio
5.15x
POCF Ratio
1.52
PFCF Ratio
1.59
Price to Book Ratio
2.03
EV to Sales
-1.51
EV Over EBITDA
-1.88
EV to Operating CashFlow
-0.46
EV to FreeCashFlow
-0.47
Earnings Yield
0.11
FreeCashFlow Yield
0.63
Market Cap
251,38 Bil.
Enterprise Value
-73,89 Bil.
Graham Number
89.64
Graham NetNet
-186.07

Income Statement Metrics

Net Income per Share
9.08
Income Quality
4.15
ROE
0.25
Return On Assets
0.03
Return On Capital Employed
0.05
Net Income per EBT
0.66
EBT Per Ebit
0.99
Ebit per Revenue
0.74
Effective Tax Rate
0.3

Margins

Sales, General, & Administrative to Revenue
0.12
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0.01
Gross Profit Margin
1
Operating Profit Margin
0.74
Pretax Profit Margin
0.73
Net Profit Margin
0.48

Dividends

Dividend Yield
0.01
Dividend Yield %
0.7
Payout Ratio
0.19
Dividend Per Share
0.01

Operating Metrics

Operating Cashflow per Share
52.54
Free CashFlow per Share
52.09
Capex to Operating CashFlow
0.01
Capex to Revenue
0.03
Capex to Depreciation
2.6
Return on Invested Capital
0.19
Return on Tangible Assets
0.03
Days Sales Outstanding
237.8
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
1.53
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0.45

Balance Sheet

Cash per Share
115,27
Book Value per Share
39,36
Tangible Book Value per Share
39.36
Shareholders Equity per Share
39.32
Interest Debt per Share
21.27
Debt to Equity
0.2
Debt to Assets
0.02
Net Debt to EBITDA
-8.29
Current Ratio
21.17
Tangible Asset Value
119,38 Bil.
Net Current Asset Value
-556,39 Bil.
Invested Capital
366287575000
Working Capital
363,38 Bil.
Intangibles to Total Assets
0
Average Receivables
25,45 Bil.
Average Payables
22,06 Bil.
Average Inventory
0
Debt to Market Cap
0.1

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Commercial International Bank (Egypt) S.A.E Dividends
Year Dividends Growth
2000 0
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2022 0 0%
2023 0 0%
2024 0 0%

Commercial International Bank (Egypt) S.A.E Profile

About Commercial International Bank (Egypt) S.A.E

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.

CEO
Mr. Hussein Mohamed Maged Abaz
Employee
8.052
Address
Nile Tower Building
Giza,

Commercial International Bank (Egypt) S.A.E Executives & BODs

Commercial International Bank (Egypt) S.A.E Executives & BODs
# Name Age
1 Mr. Amr Youssef Hasan El-Ganainy
Deputy Chief Executive Officer & MD
70
2 Mr. Rashwan Hammady
Chief Executive Officer of Retail Banking & Financial Inclusion
70
3 Mr. Omar El-Husseiny
Head of Treasury Group
70
4 Mr. Omar Khan
Chief Operating Officer
70
5 Mr. Hussein Mohamed Maged Abaza
Chief Executive Officer, MD & Executive Director
70
6 Mr. Islam Osama Zekry
Group Chief Financial Officer
70
7 Yasmine Hemeda
Head of Investor Relations
70
8 Mr. Sherif El Khalil
Chief Communications Officer
70

Commercial International Bank (Egypt) S.A.E Competitors