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Also traded in: Egypt, Germany, UK

GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash-to-Debt 427.68
OTCPK:CIBEY's Cash-to-Debt is ranked higher than
73% of the 1592 Companies
in the Global Banks - Regional - Africa industry.

( Industry Median: 2.23 vs. OTCPK:CIBEY: 427.68 )
Ranked among companies with meaningful Cash-to-Debt only.
OTCPK:CIBEY' s Cash-to-Debt Range Over the Past 10 Years
Min: 64.6  Med: 108.91 Max: 427.68
Current: 427.68
64.6
427.68
Equity-to-Asset 0.08
OTCPK:CIBEY's Equity-to-Asset is ranked lower than
73% of the 1591 Companies
in the Global Banks - Regional - Africa industry.

( Industry Median: 0.10 vs. OTCPK:CIBEY: 0.08 )
Ranked among companies with meaningful Equity-to-Asset only.
OTCPK:CIBEY' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.08  Med: 0.1 Max: 0.12
Current: 0.08
0.08
0.12
Interest Coverage 0.88
OTCPK:CIBEY's Interest Coverage is ranked lower than
69% of the 1515 Companies
in the Global Banks - Regional - Africa industry.

( Industry Median: 1.69 vs. OTCPK:CIBEY: 0.88 )
Ranked among companies with meaningful Interest Coverage only.
OTCPK:CIBEY' s Interest Coverage Range Over the Past 10 Years
Min: 0.74  Med: 0.86 Max: 1.23
Current: 0.88
0.74
1.23
Beneish M-Score: -2.95
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 7/10

vs
industry
vs
history
Operating Margin % 65.31
OTCPK:CIBEY's Operating Margin % is ranked higher than
94% of the 1606 Companies
in the Global Banks - Regional - Africa industry.

( Industry Median: 31.37 vs. OTCPK:CIBEY: 65.31 )
Ranked among companies with meaningful Operating Margin % only.
OTCPK:CIBEY' s Operating Margin % Range Over the Past 10 Years
Min: 49.24  Med: 61.17 Max: 71.74
Current: 65.31
49.24
71.74
Net Margin % 49.12
OTCPK:CIBEY's Net Margin % is ranked higher than
92% of the 1605 Companies
in the Global Banks - Regional - Africa industry.

( Industry Median: 22.70 vs. OTCPK:CIBEY: 49.12 )
Ranked among companies with meaningful Net Margin % only.
OTCPK:CIBEY' s Net Margin % Range Over the Past 10 Years
Min: 35.74  Med: 48.19 Max: 53.14
Current: 49.12
35.74
53.14
ROE % 35.37
OTCPK:CIBEY's ROE % is ranked higher than
98% of the 1603 Companies
in the Global Banks - Regional - Africa industry.

( Industry Median: 8.58 vs. OTCPK:CIBEY: 35.37 )
Ranked among companies with meaningful ROE % only.
OTCPK:CIBEY' s ROE % Range Over the Past 10 Years
Min: 18.69  Med: 23.84 Max: 31.38
Current: 35.37
18.69
31.38
ROA % 2.88
OTCPK:CIBEY's ROA % is ranked higher than
92% of the 1612 Companies
in the Global Banks - Regional - Africa industry.

( Industry Median: 0.90 vs. OTCPK:CIBEY: 2.88 )
Ranked among companies with meaningful ROA % only.
OTCPK:CIBEY' s ROA % Range Over the Past 10 Years
Min: 2.01  Med: 2.65 Max: 3.01
Current: 2.88
2.01
3.01
3-Year Revenue Growth Rate 23.00
OTCPK:CIBEY's 3-Year Revenue Growth Rate is ranked higher than
93% of the 1354 Companies
in the Global Banks - Regional - Africa industry.

( Industry Median: 4.20 vs. OTCPK:CIBEY: 23.00 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
OTCPK:CIBEY' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: 3.2  Med: 22 Max: 35
Current: 23
3.2
35
3-Year EBITDA Growth Rate 27.10
OTCPK:CIBEY's 3-Year EBITDA Growth Rate is ranked higher than
87% of the 1256 Companies
in the Global Banks - Regional - Africa industry.

( Industry Median: 6.40 vs. OTCPK:CIBEY: 27.10 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
OTCPK:CIBEY' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: 8.5  Med: 24.8 Max: 40.7
Current: 27.1
8.5
40.7
3-Year EPS without NRI Growth Rate 24.30
OTCPK:CIBEY's 3-Year EPS without NRI Growth Rate is ranked higher than
82% of the 1226 Companies
in the Global Banks - Regional - Africa industry.

( Industry Median: 7.40 vs. OTCPK:CIBEY: 24.30 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
OTCPK:CIBEY' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: 5.2  Med: 23.2 Max: 30.7
Current: 24.3
5.2
30.7
GuruFocus has detected 3 Warning Signs with Commercial International Bank (Egypt) SAE $OTCPK:CIBEY.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» OTCPK:CIBEY's 10-Y Financials

Financials (Next Earnings Date: 2017-05-01 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

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Business Description

Industry: Banks » Banks - Regional - Africa  
Compare:OTCPK:CKHGY, OTCPK:NDBKY, OTCPK:AAMAF, OTCPK:AGRPY, OTCPK:SGBLY » details
Traded in other countries:COMI.CA.Egypt, CIN.Germany, CBKD.UK,
Headquarter Location:Egypt
Commercial International Bank (Egypt) SAE is a private sector bank. It offers financial products & services including retail, corporate & investment banking services to enterprises, institutions, households and high-networth individuals.

Commercial International Bank provides retail, corporate, and investment banking services. It has more than 150 branches and operates exclusively in Egypt, predominantly in the Cairo area. Most of the bank's outstanding loans to customers are personal loans and credit card loans. Corporate banking and retail banking generate nearly all of the company's revenue, with corporate banking being the biggest segment. The vast majority of total revenue is composed of net interest income. Other major sources include fees and commissions and net trading income.

Ratios

vs
industry
vs
history
PE Ratio 16.64
CIBEY's PE Ratio is ranked lower than
61% of the 1510 Companies
in the Global Banks - Regional - Africa industry.

( Industry Median: 14.59 vs. CIBEY: 16.64 )
Ranked among companies with meaningful PE Ratio only.
CIBEY' s PE Ratio Range Over the Past 10 Years
Min: 14.32  Med: 31.82 Max: 57.02
Current: 16.64
14.32
57.02
PE Ratio without NRI 18.09
CIBEY's PE Ratio without NRI is ranked lower than
69% of the 1477 Companies
in the Global Banks - Regional - Africa industry.

( Industry Median: 14.63 vs. CIBEY: 18.09 )
Ranked among companies with meaningful PE Ratio without NRI only.
CIBEY' s PE Ratio without NRI Range Over the Past 10 Years
Min: 15.72  Med: 32.23 Max: 57.07
Current: 18.09
15.72
57.07
Price-to-Owner-Earnings 2.08
CIBEY's Price-to-Owner-Earnings is ranked higher than
89% of the 882 Companies
in the Global Banks - Regional - Africa industry.

( Industry Median: 14.21 vs. CIBEY: 2.08 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
CIBEY' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 1.82  Med: 3.98 Max: 14.28
Current: 2.08
1.82
14.28
PB Ratio 4.05
CIBEY's PB Ratio is ranked lower than
97% of the 1611 Companies
in the Global Banks - Regional - Africa industry.

( Industry Median: 1.20 vs. CIBEY: 4.05 )
Ranked among companies with meaningful PB Ratio only.
CIBEY' s PB Ratio Range Over the Past 10 Years
Min: 3.56  Med: 6.77 Max: 9.92
Current: 4.05
3.56
9.92
PS Ratio 7.18
CIBEY's PS Ratio is ranked lower than
90% of the 1586 Companies
in the Global Banks - Regional - Africa industry.

( Industry Median: 3.40 vs. CIBEY: 7.18 )
Ranked among companies with meaningful PS Ratio only.
CIBEY' s PS Ratio Range Over the Past 10 Years
Min: 4.16  Med: 12.83 Max: 93.78
Current: 7.18
4.16
93.78
Price-to-Free-Cash-Flow 2.11
CIBEY's Price-to-Free-Cash-Flow is ranked higher than
83% of the 870 Companies
in the Global Banks - Regional - Africa industry.

( Industry Median: 12.33 vs. CIBEY: 2.11 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
CIBEY' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 1.85  Med: 7.46 Max: 60.9
Current: 2.11
1.85
60.9
Price-to-Operating-Cash-Flow 2.08
CIBEY's Price-to-Operating-Cash-Flow is ranked higher than
82% of the 940 Companies
in the Global Banks - Regional - Africa industry.

( Industry Median: 10.82 vs. CIBEY: 2.08 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
CIBEY' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 1.82  Med: 7.29 Max: 56.67
Current: 2.08
1.82
56.67
EV-to-EBIT 2.12
CIBEY's EV-to-EBIT is ranked higher than
96% of the 1668 Companies
in the Global Banks - Regional - Africa industry.

( Industry Median: 12.52 vs. CIBEY: 2.12 )
Ranked among companies with meaningful EV-to-EBIT only.
CIBEY' s EV-to-EBIT Range Over the Past 10 Years
Min: 1.1  Med: 16.7 Max: 155.9
Current: 2.12
1.1
155.9
EV-to-EBITDA 2.01
CIBEY's EV-to-EBITDA is ranked higher than
96% of the 1685 Companies
in the Global Banks - Regional - Africa industry.

( Industry Median: 11.29 vs. CIBEY: 2.01 )
Ranked among companies with meaningful EV-to-EBITDA only.
CIBEY' s EV-to-EBITDA Range Over the Past 10 Years
Min: 1.1  Med: 15.6 Max: 148.8
Current: 2.01
1.1
148.8
PEG Ratio 0.63
CIBEY's PEG Ratio is ranked higher than
75% of the 811 Companies
in the Global Banks - Regional - Africa industry.

( Industry Median: 1.43 vs. CIBEY: 0.63 )
Ranked among companies with meaningful PEG Ratio only.
CIBEY' s PEG Ratio Range Over the Past 10 Years
Min: 0.37  Med: 0.59 Max: 0.79
Current: 0.63
0.37
0.79

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 0.67
CIBEY's Dividend Yield % is ranked lower than
61% of the 2319 Companies
in the Global Banks - Regional - Africa industry.

( Industry Median: 2.69 vs. CIBEY: 0.67 )
Ranked among companies with meaningful Dividend Yield % only.
CIBEY' s Dividend Yield % Range Over the Past 10 Years
Min: 0.78  Med: 1.12 Max: 2.34
Current: 0.67
0.78
2.34
Dividend Payout Ratio 0.17
CIBEY's Dividend Payout Ratio is ranked higher than
82% of the 1315 Companies
in the Global Banks - Regional - Africa industry.

( Industry Median: 0.33 vs. CIBEY: 0.17 )
Ranked among companies with meaningful Dividend Payout Ratio only.
CIBEY' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.17  Med: 0.43 Max: 0.71
Current: 0.17
0.17
0.71
3-Year Dividend Growth Rate -8.90
CIBEY's 3-Year Dividend Growth Rate is ranked lower than
83% of the 768 Companies
in the Global Banks - Regional - Africa industry.

( Industry Median: 7.20 vs. CIBEY: -8.90 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
CIBEY' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: 0 Max: 6.6
Current: -8.9
0
6.6
Forward Dividend Yield % 0.67
CIBEY's Forward Dividend Yield % is ranked lower than
66% of the 2248 Companies
in the Global Banks - Regional - Africa industry.

( Industry Median: 2.73 vs. CIBEY: 0.67 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 0.68
CIBEY's 5-Year Yield-on-Cost % is ranked lower than
68% of the 2649 Companies
in the Global Banks - Regional - Africa industry.

( Industry Median: 3.31 vs. CIBEY: 0.68 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
CIBEY' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.79  Med: 1.13 Max: 2.36
Current: 0.68
0.79
2.36
3-Year Average Share Buyback Ratio -0.80
CIBEY's 3-Year Average Share Buyback Ratio is ranked higher than
59% of the 1042 Companies
in the Global Banks - Regional - Africa industry.

( Industry Median: -1.80 vs. CIBEY: -0.80 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
CIBEY' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -14.5  Med: -0.7 Max: 0
Current: -0.8
-14.5
0

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 4.15
CIBEY's Price-to-Tangible-Book is ranked lower than
96% of the 1576 Companies
in the Global Banks - Regional - Africa industry.

( Industry Median: 1.27 vs. CIBEY: 4.15 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
CIBEY' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 3.64  Med: 12.58 Max: 62.72
Current: 4.15
3.64
62.72
Price-to-Intrinsic-Value-Projected-FCF 0.47
CIBEY's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
77% of the 869 Companies
in the Global Banks - Regional - Africa industry.

( Industry Median: 0.78 vs. CIBEY: 0.47 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
CIBEY' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.41  Med: 0.59 Max: 0.77
Current: 0.47
0.41
0.77
Price-to-Intrinsic-Value-DCF (Earnings Based) 0.73
CIBEY's Price-to-Intrinsic-Value-DCF (Earnings Based) is ranked higher than
54% of the 139 Companies
in the Global Banks - Regional - Africa industry.

( Industry Median: 0.85 vs. CIBEY: 0.73 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-DCF (Earnings Based) only.
N/A
Price-to-Median-PS-Value 0.56
CIBEY's Price-to-Median-PS-Value is ranked higher than
95% of the 1462 Companies
in the Global Banks - Regional - Africa industry.

( Industry Median: 1.14 vs. CIBEY: 0.56 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
CIBEY' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.43  Med: 0.94 Max: 1.47
Current: 0.56
0.43
1.47
Price-to-Peter-Lynch-Fair-Value 0.72
CIBEY's Price-to-Peter-Lynch-Fair-Value is ranked higher than
74% of the 426 Companies
in the Global Banks - Regional - Africa industry.

( Industry Median: 1.17 vs. CIBEY: 0.72 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
CIBEY' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.37  Med: 0.5 Max: 0.63
Current: 0.72
0.37
0.63
Price-to-Graham-Number 1.78
CIBEY's Price-to-Graham-Number is ranked lower than
93% of the 1364 Companies
in the Global Banks - Regional - Africa industry.

( Industry Median: 0.96 vs. CIBEY: 1.78 )
Ranked among companies with meaningful Price-to-Graham-Number only.
CIBEY' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 1.56  Med: 5.76 Max: 25.69
Current: 1.78
1.56
25.69
Earnings Yield (Greenblatt) % 47.17
CIBEY's Earnings Yield (Greenblatt) % is ranked higher than
97% of the 2207 Companies
in the Global Banks - Regional - Africa industry.

( Industry Median: 5.95 vs. CIBEY: 47.17 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
CIBEY' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 0.6  Med: 6 Max: 89.4
Current: 47.17
0.6
89.4
Forward Rate of Return (Yacktman) % 53.95
CIBEY's Forward Rate of Return (Yacktman) % is ranked higher than
93% of the 890 Companies
in the Global Banks - Regional - Africa industry.

( Industry Median: 11.45 vs. CIBEY: 53.95 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
CIBEY' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: 31.7  Med: 32 Max: 47
Current: 53.95
31.7
47

More Statistics

Revenue (TTM) (Mil) $677.7
EPS (TTM) $ 0.25
Beta-0.09
Short Percentage of Float0.00%
52-Week Range $3.33 - 4.68
Shares Outstanding (Mil)1,153.87

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