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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 : 7/10

vs
industry
vs
history
Equity to Asset 0.10
CIBEY's Equity to Asset is ranked higher than
75% of the 2010 Companies
in the Global Banks - Regional - Africa industry.

( Industry Median: 0.09 vs. CIBEY: 0.10 )
CIBEY' s 10-Year Equity to Asset Range
Min: 0.1   Max: 0.12
Current: 0.1

0.1
0.12
Interest Coverage 0.93
CIBEY's Interest Coverage is ranked higher than
63% of the 1837 Companies
in the Global Banks - Regional - Africa industry.

( Industry Median: 1.30 vs. CIBEY: 0.93 )
CIBEY' s 10-Year Interest Coverage Range
Min: 0.78   Max: 9999.99
Current: 0.93

0.78
9999.99
F-Score: 5
Z-Score: 0.52
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 (%) 67.85
CIBEY's Operating margin (%) is ranked higher than
98% of the 2021 Companies
in the Global Banks - Regional - Africa industry.

( Industry Median: 29.33 vs. CIBEY: 67.85 )
CIBEY' s 10-Year Operating margin (%) Range
Min: 64.04   Max: 67.29
Current: 67.85

64.04
67.29
Net-margin (%) 47.28
CIBEY's Net-margin (%) is ranked higher than
96% of the 2021 Companies
in the Global Banks - Regional - Africa industry.

( Industry Median: 21.41 vs. CIBEY: 47.28 )
CIBEY' s 10-Year Net-margin (%) Range
Min: 46.28   Max: 48.44
Current: 47.28

46.28
48.44
ROE (%) 27.86
CIBEY's ROE (%) is ranked higher than
99% of the 2031 Companies
in the Global Banks - Regional - Africa industry.

( Industry Median: 8.59 vs. CIBEY: 27.86 )
CIBEY' s 10-Year ROE (%) Range
Min: 6.92   Max: 28.86
Current: 27.86

6.92
28.86
ROA (%) 2.85
CIBEY's ROA (%) is ranked higher than
97% of the 2034 Companies
in the Global Banks - Regional - Africa industry.

( Industry Median: 0.80 vs. CIBEY: 2.85 )
CIBEY' s 10-Year ROA (%) Range
Min: 0.75   Max: 2.89
Current: 2.85

0.75
2.89
ROC (Joel Greenblatt) (%) 522.94
CIBEY's ROC (Joel Greenblatt) (%) is ranked higher than
97% of the 2003 Companies
in the Global Banks - Regional - Africa industry.

( Industry Median: 76.89 vs. CIBEY: 522.94 )
CIBEY' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 86.36   Max: 505.43
Current: 522.94

86.36
505.43
EBITDA Growth (3Y)(%) 15.90
CIBEY's EBITDA Growth (3Y)(%) is ranked higher than
85% of the 1563 Companies
in the Global Banks - Regional - Africa industry.

( Industry Median: 6.60 vs. CIBEY: 15.90 )
CIBEY' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 4   Max: 41.5
Current: 15.9

4
41.5
EPS Growth (3Y)(%) 21.60
CIBEY's EPS Growth (3Y)(%) is ranked higher than
87% of the 1547 Companies
in the Global Banks - Regional - Africa industry.

( Industry Median: 8.90 vs. CIBEY: 21.60 )
CIBEY' s 10-Year EPS Growth (3Y)(%) Range
Min: 0   Max: 41.6
Current: 21.6

0
41.6
» CIBEY's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

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Ratios

vs
industry
vs
history
P/E(ttm) 13.80
CIBEY's P/E(ttm) is ranked higher than
81% of the 2636 Companies
in the Global Banks - Regional - Africa industry.

( Industry Median: 17.80 vs. CIBEY: 13.80 )
CIBEY' s 10-Year P/E(ttm) Range
Min: 11.19   Max: 84.64
Current: 13.8

11.19
84.64
P/B 3.04
CIBEY's P/B is ranked higher than
61% of the 2636 Companies
in the Global Banks - Regional - Africa industry.

( Industry Median: 1.33 vs. CIBEY: 3.04 )
CIBEY' s 10-Year P/B Range
Min: 0.02   Max: 3.78
Current: 3.04

0.02
3.78
P/S 5.97
CIBEY's P/S is ranked higher than
63% of the 2636 Companies
in the Global Banks - Regional - Africa industry.

( Industry Median: 3.56 vs. CIBEY: 5.97 )
CIBEY' s 10-Year P/S Range
Min: 4.66   Max: 37.69
Current: 5.97

4.66
37.69
PFCF 3.45
CIBEY's PFCF is ranked higher than
94% of the 2636 Companies
in the Global Banks - Regional - Africa industry.

( Industry Median: 9999.00 vs. CIBEY: 3.45 )
CIBEY' s 10-Year PFCF Range
Min: 0.07   Max: 25.58
Current: 3.45

0.07
25.58
EV-to-EBIT 8.28
CIBEY's EV-to-EBIT is ranked higher than
90% of the 2636 Companies
in the Global Banks - Regional - Africa industry.

( Industry Median: 19.47 vs. CIBEY: 8.28 )
CIBEY' s 10-Year EV-to-EBIT Range
Min: 6.7   Max: 61.9
Current: 8.28

6.7
61.9
PEG 0.39
CIBEY's PEG is ranked higher than
97% of the 2636 Companies
in the Global Banks - Regional - Africa industry.

( Industry Median: 9999.00 vs. CIBEY: 0.39 )
CIBEY' s 10-Year PEG Range
Min: 0   Max: 0.39
Current: 0.39

0
0.39

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.96
CIBEY's Dividend Yield is ranked lower than
55% of the 1876 Companies
in the Global Banks - Regional - Africa industry.

( Industry Median: 2.32 vs. CIBEY: 1.96 )
CIBEY' s 10-Year Dividend Yield Range
Min: 1.82   Max: 3.95
Current: 1.96

1.82
3.95
Dividend Payout 0.24
CIBEY's Dividend Payout is ranked higher than
83% of the 2636 Companies
in the Global Banks - Regional - Africa industry.

( Industry Median: 0.61 vs. CIBEY: 0.24 )
CIBEY' s 10-Year Dividend Payout Range
Min: 1.19   Max: 1.7
Current: 0.24

1.19
1.7
Dividend growth (3y) -7.50
CIBEY's Dividend growth (3y) is ranked higher than
64% of the 1127 Companies
in the Global Banks - Regional - Africa industry.

( Industry Median: 5.50 vs. CIBEY: -7.50 )
CIBEY' s 10-Year Dividend growth (3y) Range
Min: 0   Max: -7.5
Current: -7.5

Yield on cost (5-Year) 2.00
CIBEY's Yield on cost (5-Year) is ranked lower than
57% of the 1889 Companies
in the Global Banks - Regional - Africa industry.

( Industry Median: 2.53 vs. CIBEY: 2.00 )
CIBEY' s 10-Year Yield on cost (5-Year) Range
Min: 1.82   Max: 3.95
Current: 2

1.82
3.95
Share Buyback Rate -0.50
CIBEY's Share Buyback Rate is ranked higher than
80% of the 1472 Companies
in the Global Banks - Regional - Africa industry.

( Industry Median: -1.80 vs. CIBEY: -0.50 )
CIBEY' s 10-Year Share Buyback Rate Range
Min: 20.3   Max: -27.1
Current: -0.5

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 3.05
CIBEY's Price/Tangible Book is ranked higher than
62% of the 2636 Companies
in the Global Banks - Regional - Africa industry.

( Industry Median: 1.58 vs. CIBEY: 3.05 )
CIBEY' s 10-Year Price/Tangible Book Range
Min: 0.02   Max: 3.25
Current: 3.05

0.02
3.25
Price/Median PS Value 0.87
CIBEY's Price/Median PS Value is ranked higher than
91% of the 2636 Companies
in the Global Banks - Regional - Africa industry.

( Industry Median: 1.21 vs. CIBEY: 0.87 )
CIBEY' s 10-Year Price/Median PS Value Range
Min: 0.7   Max: 5.33
Current: 0.87

0.7
5.33
Price/Graham Number 1.28
CIBEY's Price/Graham Number is ranked higher than
70% of the 2636 Companies
in the Global Banks - Regional - Africa industry.

( Industry Median: 1.15 vs. CIBEY: 1.28 )
CIBEY' s 10-Year Price/Graham Number Range
Min: 0.01   Max: 1.51
Current: 1.28

0.01
1.51
Earnings Yield (Greenblatt) 12.10
CIBEY's Earnings Yield (Greenblatt) is ranked higher than
89% of the 1996 Companies
in the Global Banks - Regional - Africa industry.

( Industry Median: 6.60 vs. CIBEY: 12.10 )
CIBEY' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.6   Max: 15
Current: 12.1

1.6
15

Business Description

Industry: Banks » Banks - Regional - Africa
Compare: » details
Traded in other countries:CBKD.UK, CIN.Germany, COMI.CA.Egypt,
Commercial International Bank (Egypt) SAE, established in 1975, is a private sector bank in Egypt, offering a broad range of financial products and services to its customers, which include enterprises of all sizes, institutions, households and high net worth individuals. In addition to traditional asset and liability products, the Company offers wealth management, securitization, direct investment and treasury services, all delivered through client-centric teams. The Company also owns a number of subsidiaries, including CI Capital, which offers asset management, investment banking, brokerage and research services, in addition to the Commercial International Life Insurance Company, the Falcon Group, and Egypt Factors. The Company's operating segments are Retail banking, Corporate banking, Investment banking, and Other. Retail banking, which incorporates private banking services, private customer current accounts, savings, deposits, investment savings products, custody, credit and debit cards, consumer loans and mortgages. Corporate banking, which incorporates direct debit facilities, current accounts, deposits, overdrafts, loan and other credit facilities, foreign currency and derivative products. Investment banking, which incorporates financial instruments trading, structured financing, corporate leasing, and merger and acquisitions advice. Others, which incorporates other bank operations comprise fund management, institutional finance and providing computer services.

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