OTC: CIBEY - Commercial International Bank -Egypt S.A.E

Yield per half year: -13.17%
Dividend yield: +1.49%
Sector: Financials

Reporting Commercial International Bank -Egypt S.A.E

Capitalization

IFRS

Reporting Annual Quarterly

	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	LTM	5 year average	CAGR 5
Капитализация, млрд .ج.م						7.36	7.86	5.87	5.33		5.09
Выручка, млрд .ج.م		9.04	12.17	15.99	22.13	25.33	28.46	28.9	36.42	59.99	59.99
Чистая прибыль, млрд .ج.م		4.73	6.01	7.52	9.58	11.8	10.24	13.27	16.11	29.63	29.63
EV, млрд .ج.م							5.91	5.42			5.42
EBITDA, млрд .ج.م	5.18	6.69	8.41	10.21	13.41	17.04	15.6
Баланс стоимость, млрд .ج.م		16.54	21.37	28.44	34.23	51.88	59.48	68.85	67.76	90.48	90.48
FCF, млрд .ج.م		19.32	41.77	0.989	26.22	20.31	28.09	30.48	63.87	172.62	172.62
Операционный денежный поток, млрд .ج.م		3.46	-34.18	-18.35	-7.47	2.46	-7.54	-34.61	-59.47	174.31	174.31
Операционная прибыль, млрд .ج.م	5.02	6.48	8.33	9.26	13.18	16.77
Операционные расходы, млрд .ج.م	2.83	2.55	2.64	3.36	4.75	5.65
CAPEX, млрд .ج.م		0.3044	0.5606	0.7451	0.8747	1.3	1.09	0.9812	1.03	1.69	1.69

	2016Q4	2017Q1	2017Q4	2018Q1	2018Q2	2018Q3	2018Q4	2019Q1	2019Q2	2019Q3	2019Q4	2020Q1	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	5 quarters average	CAGR 5
Выручка, млрд .ج.م																		7.86	9.28	11.87	13.19	14.9	16.13	14.91	22.91	25.89	26.87
Чистая прибыль, млрд .ج.م																		3.51	4.41	2.39	6.06	7.99	8.35	7.23	11.92	15.62	14.8
EBIT, млрд .ج.م	-0.4324	0.3137
Баланс стоимость, млрд .ج.م																	65.18	65.52	64.46	66.21	61.55	68.51		90.48	100.83	119.26	138.28
FCF, млрд .ج.م																		-25.08	51.84	-8.3	48.46	119.66	-12.16	16.66	117.19	40.8	-9.75
Операционный денежный поток, млрд .ج.م																		-24.68	-18.09	-41.72	48.92	119.93	-11.71	17.17	117.62	41.72	-8.71
Операционная прибыль, млрд .ج.م													4.35	3.76	5.83	3.79	9.95	1.71	3.32	1.95	4.96	10.35
Операционные расходы, млрд .ج.م			1.18	1.19	1.39	1.36	2.96	1.22	1.33	1.37	1.66	1.94
CAPEX, млрд .ج.م																		0.2388	0.2247	0.477	0.4579	0.2697	0.4499	0.5084	0.4374	0.9215	1.04

	5 quarters average	CAGR 5

Cash flow Cash flow quarterly Assets

Balance sheet

IFRS

Reporting Annual Quarterly

	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	LTM	5 year average	CAGR 5
Наличность, млрд .ج.م		22.58	68.53	59.98	66.58	56.64	121.19	123.63	181.35	302.97	302.97
Short Term Investments .ج.م	4.27	2.83	2.16	3.06
Long term investments .ج.م	59.15	77.84	101.3	137.52	157.74	197.87	174.15	214.42	240.67	272.69
Total Receivables .ج.م	7.08	1.55	4.26	13.33	14.52	14.78	17.8	24.38	48.32
Total Current Assets .ج.م	32.95	42.48	82.36	73.68	78.16	66.07	129.78	134.17	196.47
Чистые активы, млрд .ج.م	0.7286	0.7953	0.9545	0.975	1.05	1.32	1.36	1.39	1.5
Активы, млрд .ج.م		179.5	267.54	294.78	342.46	386.74	427.84	498.24	635.83	834.87	834.87
Short Term Debt .ج.م	0.2013
Long Term Debt .ج.م	0.0416	0.0344	0.0145	3.67	3.59	3.21
Задолженность, млрд .ج.م		162.92	246.04	266.34	308.23	334.86	367.88	428.93	567.49	744.22	744.22
Долг, млрд .ج.م	0.2429
Interest income .ج.م			19.14	28.67	37.4	42.6	42.2	45.08	55.72	104.03
Расходы на обслуживание долга .ج.م					19.26	21.02	17.02	20.11	24.72	51.1	51.1
Чист. проц. доходы, млрд .ج.م			10.02	12.5	18.14	21.58	25.17	24.97	31	52.93	2.13
Goodwill .ج.م		0.2098					0.1788	0.1375	0.0963
Товарно материальные запасы .ج.م	0.0274	0.0526	0.0566	0.0451	0.2765	0.3564	0.1699	0.1534	0.1241

	2016Q4	2017Q1	2017Q2	2017Q3	2017Q4	2018Q1	2018Q2	2018Q3	2018Q4	2019Q1	2019Q2	2019Q3	2019Q4	2020Q1	2020Q3	2020Q4	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	5 quarters average	CAGR 5
Наличность, млрд .ج.م																					151.66	98.9	134.32	181.35	223.14	315.8		302.97	329.45	349.61	399.8
Short Term Investments .ج.م	2.16	2.21	2.38	3.11	3.06	2.61
Long term investments .ج.م																	193.93	211.63	233.83	214.42	201.86	237.9	264.82	245.04	231.9	237.31
Total Receivables .ج.م															8.96	17.8	42.48	28.8	16.98	24.38	10.96	11.38	23.91	48.32
Total Current Assets .ج.م															93.28	129.89	119.93	111.84	106.03	134.17	161.05	110.4	144.37	196.47
Чистые активы, млрд .ج.م															1.41	1.36	1.38	1.36	1.42	1.39	1.38	1.49	1.46	1.5
Активы, млрд .ج.م																					524.82	523.46	592.37	642.07	686.29	796.29		834.87	977.15	1 057.17	1 119.96
Short Term Debt .ج.م		0.3191	0.3029	0.1363	0.1258	0.1556	0.1118
Long Term Debt .ج.م				0.0051	3.55	3.53	3.59	3.59	3.72	3.47	3.35	3.26	3.21
Задолженность, млрд .ج.م																					459.13	457.42	527.36	575.28	624.62	727.66		744.22	876.16	937.79	981.55
Долг, млрд .ج.م		0.3282	0.3086	0.1414	3.67	3.69	3.7
Interest income .ج.م																	10.12	10.9	11.64	12.42	12.01	12.31	14.63	16.79	19.82	25.29
Расходы на обслуживание долга .ج.م																						5.3	6.54	7.71	8.94	12.28	14.05	15.82	17.85	22.3	25.16
Чист. проц. доходы, млрд .ج.م																			6.46	6.81	6.72	7.01	8.09	9.08	10.88	13.01			0.7518	0.9239
Goodwill .ج.م																	0.1685	0.1582	0.1478	0.1375	0.1272	0.1169	0.1066	0.2063	0.086	0.0756
Товарно материальные запасы .ج.م											0.2745	0.273	0.3564	0.3564		0.1699				0.1534	0.1534	0.1534	0.1485	0.1241

	5 quarters average	CAGR 5

Share

IFRS

Reporting Annual Quarterly

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	5 year average	CAGR 5
EPS	0.2708	0.227	0.1952	0.2535	0.3143	0.3088	0.1998	5.4	10.08			10.08
Цена акции ао			4.35	4.15	5.06	3.71	3.21	1.17	1.26	1.42	1.45	1.45
Число акций ао, млн			1962	1952	1913	1964	3010	2982.51	2939.49			2939.49
FCF/акцию				17.98	13.83	19.01	15.47	21.41	58.72			58.72

	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	5 quarters average	CAGR 5
EPS	1.94	1.09	2.15	1.78	0.031	0.0168	2.03	2.72		2.46	4.06
Цена акции ао	3.39	3.1	2.95	2.07	1.77	1.25	1.46	1.2	1.24	1.26
FCF/акцию			23.71	-8.41	17.38	-2.78	16.25	40.71		5.67	39.87

	5 quarters average	CAGR 5

Efficiency

IFRS

Reporting Annual Quarterly

	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
ROE, %			28.6	28.11	26.43	27.99	22.75	17.21	19.28	23.59	37.46			32.75	15.51
ROA, %			2.63	2.25	2.55	2.8	3.05	2.39	2.66	2.84	4.03			3.55	4.58
ROIC, %		29.28	28.19	28.74	20.85	25.54	21.73								7.36
ROS, %					47.01	43.3	46.59	35.97	45.92	44.24	49.4	49.4	49.4	49.4	24.68
ROCE, %													0	0	5.90
Ebit margin, %													0	0
Рентаб EBITDA, %			74.06	69.09	63.84	60.59	67.28	43.64	54.82	0			0	0	20.23
Чистая рентаб, %			52.34	49.39	47.01	43.3	46.59	35.97	45.92	44.24	49.4			49.4	24.68
Operation Margin, %		63.91	71.76	68.48	57.94	59.56	66.22				0	0	0	0	11.42
Чистая процентная маржа, %	33.33	38.04	40.18	43.27	41.79	38.2	41.23	32.3	41.6					42.51	23.20

	2016Q4	2017Q1	2017Q2	2017Q3	2017Q4	2018Q1	2018Q2	2018Q3	2018Q4	2019Q1	2019Q2	2019Q3	2019Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	Industry average	5 quarters average	CAGR 5
ROE, %														6.51	5.36	6.84	3.61	9.85	12.32		10.56	15.69	17.84	14.3	15.51
ROA, %														0.8087	0.6707	0.7442	0.3719	0.8837	1.08		0.8863	1.32	1.54	1.36	4.58
ROIC, %		8.97	9.83	15.81	12.49	13.22	15.84																		7.36
ROS, %															44.7	47.51	20.12	45.99	53.61	51.78	48.5	52.05	60.35	55.08	24.68
ROCE, %	-36.85	25.73																							5.90
Чистая рентаб, %															44.7	47.51	20.12	45.99	53.61	51.78	48.5	52.05	60.35	55.08	24.68
Operation Margin, %				74.36	69.7	70.85	68.93	72.03	51.48	64.14	63.67	68.55	68.1												11.42

	Industry average	5 quarters average	CAGR 5

Coefficients

IFRS

Reporting Annual Quarterly

	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
P/E		9.4	15.5	15	12.2	12.1	10.78	8.7	5.44	3.87			4.26	48.41
P/BV		2.4	3.9	3.4	2.9	2.5	2.75	1.5	1.28	1.26			1.39	7.81
P/S		3.7	6.6	6	4.3	5	3.13	3.5	2.41	1.91			2.1	16.52
P/FCF			-0.12	-0.26	-0.57	6.3	-0.64	-0.51		2.46	0.0295	0.0295	0.0295	2.35
E/P			150.39	153.94	202.94	161.64	186.75	230.95		0.1024	5.82	5.82	5.82	87.25
EV/EBITDA	-2.05	-2.69	-7.68	-5.04	-4.34	-2.71	-7.42	-7.48						-221.77
EV/EBIT											0	0	0
EV/S										4.6	0.0904	0.0904	0.0904	16.17
EV/FCF											0.0314	0.0314	0.0314	21.21
Debt/EBITDA										0	0	0	0	-305.32
Netdebt/Ebitda			-8.15	-5.52	-4.7	-3.14	-7.77	-7.77		0	0	0	0	-294.78
Debt/Ratio			0.92	0.9	0.9	0.87	0.86	0.86		0	0	0	0	0.13
Debt/Equity			11.51	9.37	9.01	6.45	6.19	6.19		0	0	0	0	2.63
Debt/Net Income	0.0731									0	0	0	0	30.84
Бета							0.57	0.59	0.74	0.4507	-1.46	0.6666	0.6666	-0.56
Индекс Альтмана				-0.63	-0.61	-0.62	-0.32	0.0181	0.1349	0.3897	0.1289	0.1289	0.1289	50.18

	2017Q1	2017Q2	2017Q3	2017Q4	2018Q1	2018Q2	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q4	2024Q1	2025Q1	Industry average	5 quarters average	CAGR 5
P/E							3.57	3.08	3.49	5.24	8.36	5.04	4.87	7.28		48.41
P/BV							0.856	0.9727	1.05	1.31	2.22	1.52	1.26	2.39		7.81
P/S							1.68	1.44	1.6	2.06	3.25	2.14	2.1	3.67		16.52
Debt/Ratio	0.0217	0.0011	0.0005	0.0125	0.0119	0.0119										0.13
Debt/Equity	0.2692	0.0128	0.0053	0.1292	0.1326	0.1297										2.63
Debt/Net Income	3.42	0.1688	0.0678	1.97	1.82	1.54										30.84
Бета															0.6666	-0.56
Индекс Альтмана															0.1289	50.18

	Industry average	5 quarters average	CAGR 5

Dividends

IFRS

Reporting Annual Quarterly

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	Industry average	5 year average	CAGR 5
Див.выплата, млрд	1.56	1.46	1.35	2.14	2.7	3.37	1.36	3.76	3.76		0.1094
Дивиденд	0.1057	0.0638	0.0186	0.0379	0.0287	0.0525		0.0492	0.017	0.023	0.023
Див доход, ао, %		1.64	0.4218	0.8109	0.6426	1.27	2.17	3.18	5.38	1.49	1.49	8.23
Дивиденды / прибыль, %	33.07	24.35	17.97	22.37	22.88	32.92	10.25	27.37	12.67		12.67	521.42

	2013Q2	2014Q1	2015Q1	2016Q1	2017Q1	2018Q1	2019Q1	2020Q2	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q4	2023Q1	2023Q2	2023Q4	2024Q1	2024Q2	Industry average	5 quarters average	CAGR 5
Див.выплата, млрд									4.41	4.41	4.41	4.41		1.39	1.99	1.61	0.1612	5.08	0.0374
Дивиденд	0.0816	0.0958	0.1057	0.0638	0.0186	0.0379	0.0287	0.0525					0.0492		0.017
Див доход, ао, %	1.81	2.04	1.51	1.69	0.4449	0.8025	0.6402	1.38					2.37		1.17					8.23
Дивиденды / прибыль, %									137.1	115.68	129.91	103.91		58.24	32.79	20.11	2.23	42.59	0.2392	521.42

	Industry average	5 quarters average	CAGR 5

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Other

IFRS

Reporting Annual

	2021	2022	2023	2024	CAGR 5
Персонал, чел	7161	7308	7700	7917

	CAGR 5

	CAGR 5