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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 363.16
CIBEY's Cash-to-Debt is ranked higher than
75% of the 1366 Companies
in the Global Banks - Regional - Africa industry.

( Industry Median: 1.88 vs. CIBEY: 363.16 )
Ranked among companies with meaningful Cash-to-Debt only.
CIBEY' s Cash-to-Debt Range Over the Past 10 Years
Min: 64.6  Med: 210.23 Max: N/A
Current: 363.16
Equity-to-Asset 0.09
CIBEY's Equity-to-Asset is ranked lower than
61% of the 1372 Companies
in the Global Banks - Regional - Africa industry.

( Industry Median: 0.10 vs. CIBEY: 0.09 )
Ranked among companies with meaningful Equity-to-Asset only.
CIBEY' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.08  Med: 0.1 Max: 0.12
Current: 0.09
0.08
0.12
Interest Coverage 1.03
CIBEY's Interest Coverage is ranked lower than
63% of the 1606 Companies
in the Global Banks - Regional - Africa industry.

( Industry Median: 1.67 vs. CIBEY: 1.03 )
Ranked among companies with meaningful Interest Coverage only.
CIBEY' s Interest Coverage Range Over the Past 10 Years
Min: 0.74  Med: 0.95 Max: N/A
Current: 1.03
Piotroski F-Score: 5
Beneish M-Score: -2.34
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 : 8/10

vs
industry
vs
history
Operating Margin % 75.21
CIBEY's Operating Margin % is ranked higher than
98% of the 1383 Companies
in the Global Banks - Regional - Africa industry.

( Industry Median: 30.69 vs. CIBEY: 75.21 )
Ranked among companies with meaningful Operating Margin % only.
CIBEY' s Operating Margin % Range Over the Past 10 Years
Min: 49.24  Med: 60.41 Max: 75.21
Current: 75.21
49.24
75.21
Net Margin % 44.95
CIBEY's Net Margin % is ranked higher than
91% of the 1381 Companies
in the Global Banks - Regional - Africa industry.

( Industry Median: 22.17 vs. CIBEY: 44.95 )
Ranked among companies with meaningful Net Margin % only.
CIBEY' s Net Margin % Range Over the Past 10 Years
Min: 35.74  Med: 45 Max: 53.14
Current: 44.95
35.74
53.14
ROE % 32.50
CIBEY's ROE % is ranked higher than
98% of the 1380 Companies
in the Global Banks - Regional - Africa industry.

( Industry Median: 8.35 vs. CIBEY: 32.50 )
Ranked among companies with meaningful ROE % only.
CIBEY' s ROE % Range Over the Past 10 Years
Min: 18.69  Med: 23.84 Max: 32.5
Current: 32.5
18.69
32.5
ROA % 2.68
CIBEY's ROA % is ranked higher than
94% of the 1387 Companies
in the Global Banks - Regional - Africa industry.

( Industry Median: 0.87 vs. CIBEY: 2.68 )
Ranked among companies with meaningful ROA % only.
CIBEY' s ROA % Range Over the Past 10 Years
Min: 2.01  Med: 2.59 Max: 3.01
Current: 2.68
2.01
3.01
3-Year Revenue Growth Rate 29.70
CIBEY's 3-Year Revenue Growth Rate is ranked higher than
96% of the 1247 Companies
in the Global Banks - Regional - Africa industry.

( Industry Median: 3.90 vs. CIBEY: 29.70 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
CIBEY' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -5.8  Med: 26.1 Max: 44.3
Current: 29.7
-5.8
44.3
3-Year EBITDA Growth Rate 31.90
CIBEY's 3-Year EBITDA Growth Rate is ranked higher than
90% of the 1158 Companies
in the Global Banks - Regional - Africa industry.

( Industry Median: 5.00 vs. CIBEY: 31.90 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
CIBEY' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -8.9  Med: 30 Max: 47.3
Current: 31.9
-8.9
47.3
3-Year EPS without NRI Growth Rate 24.70
CIBEY's 3-Year EPS without NRI Growth Rate is ranked higher than
84% of the 1132 Companies
in the Global Banks - Regional - Africa industry.

( Industry Median: 7.20 vs. CIBEY: 24.70 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
CIBEY' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -8.2  Med: 25.5 Max: 41.9
Current: 24.7
-8.2
41.9
GuruFocus has detected 5 Warning Signs with Commercial International Bank (Egypt) SAE $CIBEY.
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» CIBEY's 10-Y Financials

Financials


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:NDBKY, OTCPK:AGRPY, OTCPK:SGBLY » details
Traded in other countries:COMI.CA.Egypt, CIN.Germany, CBKD.UK,
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 (Egypt) SAE was formed on August 7, 1975 in Egypt as Chase National Bank, a joint venture between Chase Manhattan Bank and National Bank of Egypt (NBE). The Company is a private sector bank in in Egypt, offering financial products and services including retail, corporate and investment banking services to its customers, which include enterprises of all sizes, institutions, households and high-networth (HNW) individuals. In addition to traditional asset and liability products, it offers wealth management, securitization, direct investment and treasury services. The Company owns subsidiaries offering asset management, investment banking, and brokerage and research services. The Company operates in segments including Corporate banking, Investment banking, Retail banking, and Others. The Corporate banking segment includes direct debit facilities, current accounts, deposits, overdrafts, loan and other credit facilities, foreign currency and derivative products. The Investment banking segment includes financial instruments Trading, structured financing, corporate leasing, and merger and acquisitions advice. The Retail banking segment offers private banking services, private customer current accounts, savings, deposits, investment savings products, custody, credit and debit cards, consumer loans and mortgages. The Other segment includes other banking business, such as Assets Management. It operates geographically in regions including Cairo, Alex, Delta & Sinai, and Upper Egypt.

Ratios

vs
industry
vs
history
PE Ratio 15.77
CIBEY's PE Ratio is ranked lower than
55% of the 1316 Companies
in the Global Banks - Regional - Africa industry.

( Industry Median: 14.29 vs. CIBEY: 15.77 )
Ranked among companies with meaningful PE Ratio only.
CIBEY' s PE Ratio Range Over the Past 10 Years
Min: 12.92  Med: 28.02 Max: 49.75
Current: 15.77
12.92
49.75
PE Ratio without NRI 16.96
CIBEY's PE Ratio without NRI is ranked lower than
60% of the 1296 Companies
in the Global Banks - Regional - Africa industry.

( Industry Median: 14.49 vs. CIBEY: 16.96 )
Ranked among companies with meaningful PE Ratio without NRI only.
CIBEY' s PE Ratio without NRI Range Over the Past 10 Years
Min: 14.06  Med: 28.26 Max: 49.8
Current: 16.96
14.06
49.8
Price-to-Owner-Earnings 27.92
CIBEY's Price-to-Owner-Earnings is ranked lower than
85% of the 826 Companies
in the Global Banks - Regional - Africa industry.

( Industry Median: 15.11 vs. CIBEY: 27.92 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
CIBEY' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 0.28  Med: 6.51 Max: 28.85
Current: 27.92
0.28
28.85
PB Ratio 4.18
CIBEY's PB Ratio is ranked lower than
97% of the 1391 Companies
in the Global Banks - Regional - Africa industry.

( Industry Median: 1.17 vs. CIBEY: 4.18 )
Ranked among companies with meaningful PB Ratio only.
CIBEY' s PB Ratio Range Over the Past 10 Years
Min: 3.45  Med: 6.08 Max: 8.65
Current: 4.18
3.45
8.65
PS Ratio 7.16
CIBEY's PS Ratio is ranked lower than
91% of the 1383 Companies
in the Global Banks - Regional - Africa industry.

( Industry Median: 3.34 vs. CIBEY: 7.16 )
Ranked among companies with meaningful PS Ratio only.
CIBEY' s PS Ratio Range Over the Past 10 Years
Min: 5.78  Med: 11.38 Max: 81.15
Current: 7.16
5.78
81.15
Price-to-Free-Cash-Flow 14.41
CIBEY's Price-to-Free-Cash-Flow is ranked higher than
53% of the 773 Companies
in the Global Banks - Regional - Africa industry.

( Industry Median: 15.10 vs. CIBEY: 14.41 )
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: 2.67  Med: 8.14 Max: 52.99
Current: 14.41
2.67
52.99
Price-to-Operating-Cash-Flow 13.17
CIBEY's Price-to-Operating-Cash-Flow is ranked higher than
50% of the 824 Companies
in the Global Banks - Regional - Africa industry.

( Industry Median: 12.79 vs. CIBEY: 13.17 )
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: 2.64  Med: 7.91 Max: 49.16
Current: 13.17
2.64
49.16
EV-to-EBIT 3.22
CIBEY's EV-to-EBIT is ranked higher than
88% of the 1066 Companies
in the Global Banks - Regional - Africa industry.

( Industry Median: 12.64 vs. CIBEY: 3.22 )
Ranked among companies with meaningful EV-to-EBIT only.
CIBEY' s EV-to-EBIT Range Over the Past 10 Years
Min: 1.6  Med: 14.05 Max: 136
Current: 3.22
1.6
136
EV-to-EBITDA 3.09
CIBEY's EV-to-EBITDA is ranked higher than
87% of the 1072 Companies
in the Global Banks - Regional - Africa industry.

( Industry Median: 11.46 vs. CIBEY: 3.09 )
Ranked among companies with meaningful EV-to-EBITDA only.
CIBEY' s EV-to-EBITDA Range Over the Past 10 Years
Min: 1.6  Med: 13.3 Max: 129.8
Current: 3.09
1.6
129.8
PEG Ratio 1.07
CIBEY's PEG Ratio is ranked higher than
61% of the 731 Companies
in the Global Banks - Regional - Africa industry.

( Industry Median: 1.55 vs. CIBEY: 1.07 )
Ranked among companies with meaningful PEG Ratio only.
CIBEY' s PEG Ratio Range Over the Past 10 Years
Min: 0.29  Med: 0.42 Max: 1.07
Current: 1.07
0.29
1.07

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 1.95
CIBEY's Dividend Yield % is ranked lower than
60% of the 2324 Companies
in the Global Banks - Regional - Africa industry.

( Industry Median: 2.67 vs. CIBEY: 1.95 )
Ranked among companies with meaningful Dividend Yield % only.
CIBEY' s Dividend Yield % Range Over the Past 10 Years
Min: 0.9  Med: 1.29 Max: 2.68
Current: 1.95
0.9
2.68
Dividend Payout Ratio 0.18
CIBEY's Dividend Payout Ratio is ranked higher than
80% of the 1297 Companies
in the Global Banks - Regional - Africa industry.

( Industry Median: 0.33 vs. CIBEY: 0.18 )
Ranked among companies with meaningful Dividend Payout Ratio only.
CIBEY' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.18  Med: 0.4 Max: 0.63
Current: 0.18
0.18
0.63
3-Year Dividend Growth Rate 6.60
CIBEY's 3-Year Dividend Growth Rate is ranked lower than
54% of the 755 Companies
in the Global Banks - Regional - Africa industry.

( Industry Median: 7.70 vs. CIBEY: 6.60 )
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: 6.6
0
6.6
Forward Dividend Yield % 1.95
CIBEY's Forward Dividend Yield % is ranked lower than
64% of the 2258 Companies
in the Global Banks - Regional - Africa industry.

( Industry Median: 2.84 vs. CIBEY: 1.95 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 1.81
CIBEY's 5-Year Yield-on-Cost % is ranked lower than
71% of the 2647 Companies
in the Global Banks - Regional - Africa industry.

( Industry Median: 3.35 vs. CIBEY: 1.81 )
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: 0.84  Med: 1.2 Max: 2.5
Current: 1.81
0.84
2.5
3-Year Average Share Buyback Ratio -0.80
CIBEY's 3-Year Average Share Buyback Ratio is ranked higher than
58% of the 977 Companies
in the Global Banks - Regional - Africa industry.

( Industry Median: -1.70 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: -0.65 Max: 0
Current: -0.8
-14.5
0

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 4.34
CIBEY's Price-to-Tangible-Book is ranked lower than
97% of the 1384 Companies
in the Global Banks - Regional - Africa industry.

( Industry Median: 1.25 vs. CIBEY: 4.34 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
CIBEY' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 3.88  Med: 5.61 Max: 7.61
Current: 4.34
3.88
7.61
Price-to-Intrinsic-Value-Projected-FCF 0.81
CIBEY's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
52% of the 869 Companies
in the Global Banks - Regional - Africa industry.

( Industry Median: 0.83 vs. CIBEY: 0.81 )
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: 0.66  Med: 0.71 Max: 0.88
Current: 0.81
0.66
0.88
Price-to-Intrinsic-Value-DCF (Earnings Based) 0.65
CIBEY's Price-to-Intrinsic-Value-DCF (Earnings Based) is ranked higher than
66% of the 131 Companies
in the Global Banks - Regional - Africa industry.

( Industry Median: 0.86 vs. CIBEY: 0.65 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-DCF (Earnings Based) only.
N/A
Price-to-Median-PS-Value 0.63
CIBEY's Price-to-Median-PS-Value is ranked higher than
94% of the 1288 Companies
in the Global Banks - Regional - Africa industry.

( Industry Median: 1.19 vs. CIBEY: 0.63 )
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: 0.52  Med: 0.94 Max: 6.86
Current: 0.63
0.52
6.86
Price-to-Peter-Lynch-Fair-Value 0.68
CIBEY's Price-to-Peter-Lynch-Fair-Value is ranked higher than
79% of the 420 Companies
in the Global Banks - Regional - Africa industry.

( Industry Median: 1.15 vs. CIBEY: 0.68 )
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: 0.52 Max: 0.68
Current: 0.68
0.37
0.68
Price-to-Graham-Number 1.81
CIBEY's Price-to-Graham-Number is ranked lower than
93% of the 1224 Companies
in the Global Banks - Regional - Africa industry.

( Industry Median: 0.94 vs. CIBEY: 1.81 )
Ranked among companies with meaningful Price-to-Graham-Number only.
CIBEY' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 1.61  Med: 2.48 Max: 3.71
Current: 1.81
1.61
3.71
Earnings Yield (Greenblatt) % 31.07
CIBEY's Earnings Yield (Greenblatt) % is ranked higher than
91% of the 1405 Companies
in the Global Banks - Regional - Africa industry.

( Industry Median: 5.60 vs. CIBEY: 31.07 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
CIBEY' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 0.7  Med: 7.1 Max: 60.8
Current: 31.07
0.7
60.8
Forward Rate of Return (Yacktman) % 51.93
CIBEY's Forward Rate of Return (Yacktman) % is ranked higher than
94% of the 881 Companies
in the Global Banks - Regional - Africa industry.

( Industry Median: 11.03 vs. CIBEY: 51.93 )
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: 32  Med: 40.5 Max: 51.93
Current: 51.93
32
51.93

More Statistics

Revenue (TTM) (Mil) $711.6
EPS (TTM) $ 0.28
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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