Al Baraka Bank Egypt (CAI:SAUD) Cyclically Adjusted FCF per Share: E£5.54 (As of Mar. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

CAI:SAUD Al Baraka Bank Egypt CAI:SAUD
71 GF Score
Price E£21.69
GF Value E£18.24
Valuation Modestly Overvalued
! 1 Warning Sign
View Full Analysis

What is Al Baraka Bank Egypt Cyclically Adjusted FCF per Share?

Al Baraka Bank Egypt CAI:SAUD +1.31% 71 Cyclically Adjusted FCF per Share is E£5.54 as of Mar. 2026. GuruFocus rates CAI:SAUD with a GF Score™ of 71/100 and a GF Value™ of E£18.24 (Modestly Overvalued). The stock has 1 warning sign investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

Al Baraka Bank Egypt's adjusted free cash flow per share for the three months ended in Mar. 2026 was E£-8.452. Add all the adjusted free cash flow per share for the past 10 years together and divide the count will get our Cyclically Adjusted FCF per Share, which is E£5.54 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Al Baraka Bank Egypt's average Cyclically Adjusted FCF Growth Rate was 0.20% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was 7.00% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted FCF Growth Rate using Cyclically Adjusted FCF per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted FCF Growth Rate of Al Baraka Bank Egypt was 7.00% per year. The lowest was -6.50% per year. And the median was 0.25% per year.

As of today (2026-07-19), Al Baraka Bank Egypt's current stock price is E£21.69. Al Baraka Bank Egypt's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2026 was E£5.54. Al Baraka Bank Egypt's Cyclically Adjusted Price-to-FCF of today is 3.92.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Al Baraka Bank Egypt was 4.40. The lowest was 0.57. And the median was 1.87.


Al Baraka Bank Egypt  (CAI:SAUD) Cyclically Adjusted FCF per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted FCF per Share may underestimate the company's free cash flow. Cyclically Adjusted Price-to-FCF can seem to be too high even the actual Price-to-Free-Cash-Flow is low.

For the Cyclically Adjusted Price-to-FCF, the free cash flow per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/FCF calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted Price-to-FCF is also called CAPFCF Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

Al Baraka Bank Egypt's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=21.69/5.54
=3.92

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Al Baraka Bank Egypt was 4.40. The lowest was 0.57. And the median was 1.87.


Be Aware

Cyclically Adjusted Price-to-FCF works better for cyclical companies. It gives you a better idea on the company's real free cash flow value.


Al Baraka Bank Egypt Cyclically Adjusted FCF per Share Related Terms


Al Baraka Bank Egypt Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for Al Baraka Bank Egypt's Cyclically Adjusted FCF per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Al Baraka Bank Egypt Cyclically Adjusted FCF per Share Chart

Al Baraka Bank Egypt Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 7.29 5.28 5.77 5.95 6.47

Al Baraka Bank Egypt Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted FCF per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 5.53 6.32 5.47 6.47 5.54

CAI:SAUD vs PNC, USB: Cyclically Adjusted FCF per Share Comparison

For the Banks - Regional subindustry, Al Baraka Bank Egypt's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Al Baraka Bank Egypt Cyclically Adjusted Price-to-FCF vs Banks Industry

For the Banks industry and Financial Services sector, Al Baraka Bank Egypt's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where Al Baraka Bank Egypt's Cyclically Adjusted Price-to-FCF falls into.


CAI:SAUD
71GF Score
Al Baraka Bank Egypt CAI:SAUD
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Al Baraka Bank Egypt Cyclically Adjusted FCF per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

What is Cyclically Adjusted FCF per Share? How do we calculate Cyclically Adjusted FCF per Share?

Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted FCF per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the free cash flow per share from 2001 through 2010.

We adjusted the 2001 free cash flow per share data with the total inflation from 2001 through 2010 to the equivalent free cash flow in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's free cash flow is $1 a share in 2001, then the 2001's equivalent free cash flow in 2010 is $1.4 a share. If Wal-Mart's free cash flow is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 free cash flow in 2010 is $1.35. So on and so forth, you get the equivalent free cash flow per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted FCF per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Al Baraka Bank Egypt's adjusted Free Cash Flow per Share data for the three months ended in Mar. 2026 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=-8.452/330.2130*330.2130
=-8.452

Current CPI (Mar. 2026) = 330.2130.

Al Baraka Bank Egypt Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201606 0.906 241.018 1.241
201609 1.695 241.428 2.318
201612 2.802 241.432 3.832
201703 -0.601 243.801 -0.814
201706 2.833 244.955 3.819
201709 2.389 246.819 3.196
201712 2.007 246.524 2.688
201803 7.195 249.554 9.521
201806 0.220 251.989 0.288
201809 -4.737 252.439 -6.196
201812 4.002 251.233 5.260
201903 3.058 254.202 3.972
201906 12.521 256.143 16.142
201909 -8.814 256.759 -11.336
201912 9.875 256.974 12.689
202003 -8.185 258.115 -10.471
202006 -8.248 257.797 -10.565
202009 3.896 260.280 4.943
202012 3.964 260.474 5.025
202103 7.824 264.877 9.754
202106 10.652 271.696 12.946
202109 -2.430 274.310 -2.925
202112 4.804 278.802 5.690
202203 -5.426 287.504 -6.232
202206 -1.551 296.311 -1.728
202209 -3.778 296.808 -4.203
202212 -6.136 296.797 -6.827
202303 7.990 301.836 8.741
202306 -18.962 305.109 -20.522
202309 -1.602 307.789 -1.719
202312 16.606 306.746 17.876
202403 12.305 312.332 13.009
202406 4.875 314.175 5.124
202409 -5.347 315.301 -5.600
202412 -5.729 315.605 -5.994
202503 -3.264 319.799 -3.370
202506 3.759 322.561 3.848
202509 -1.459 324.800 -1.483
202512 11.648 324.054 11.869
202603 -8.452 330.213 -8.452

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

What does a Cyclically Adjusted FCF per Share of E£5.54 mean?
Al Baraka Bank Egypt (CAI:SAUD) has a Cyclically Adjusted FCF per Share of E£5.54 as of Mar. 2026. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Al Baraka Bank Egypt and its competitors.
Is Al Baraka Bank Egypt's Cyclically Adjusted FCF per Share too high?
Al Baraka Bank Egypt's current Cyclically Adjusted FCF per Share is E£5.54. Overall, Al Baraka Bank Egypt has a GF Score™ of 71/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Al Baraka Bank Egypt's Cyclically Adjusted FCF per Share compare to PNC and USB?
Al Baraka Bank Egypt's Cyclically Adjusted FCF per Share of E£5.54 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted FCF per Share for a Banks company?
A good Cyclically Adjusted FCF per Share depends on the Banks industry context. However, Cyclically Adjusted FCF per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted FCF per Share mean?
A high Cyclically Adjusted FCF per Share can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Al Baraka Bank Egypt and its competitors. Al Baraka Bank Egypt's current Cyclically Adjusted FCF per Share is E£5.54. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Al Baraka Bank Egypt stock overvalued right now?
Based on GuruFocus' analysis, Al Baraka Bank Egypt (CAI:SAUD) is currently considered Modestly Overvalued. The stock's GF Value™ is E£18.24, compared to a current price of E£21.69 — trading 18.9% above its estimated fair value. The current Cyclically Adjusted FCF per Share is E£5.54. Al Baraka Bank Egypt's overall GF Score™ is 71/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted FCF per Share calculated?
Cyclically Adjusted FCF per Share is calculated from a company's financial statements. For Al Baraka Bank Egypt (CAI:SAUD), the current Cyclically Adjusted FCF per Share is E£5.54 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Al Baraka Bank Egypt (CAI:SAUD) Overvalued in 2026?

Based on GuruFocus' analysis, Al Baraka Bank Egypt stock appears to be overvalued. The current stock price of E£21.69 is trading 18.9% above its estimated GF Value™ of E£18.24. GuruFocus considers Al Baraka Bank Egypt to be Modestly Overvalued.

Key valuation signals for CAI:SAUD:

  • Cyclically Adjusted FCF per Share: E£5.54
  • GF Value™: E£18.24 vs. price of E£21.69 (18.9% above fair value)
  • GF Score™: 71/100 with 1 warning sign

No single metric tells the full story. See the CAI:SAUD stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Al Baraka Bank Egypt Business Description

Address Road 90, P.O. Box 84, City Center, First Sector, Plot 29, 5th Settlement, New Cairo, EGY, 11834
Al Baraka Bank Egypt is a Sharia-compliant banking institution operating across Egypt, offering a comprehensive range of Islamic retail and corporate banking services. The Bank's operations are structured into two main business lines, corporate banking and retail banking, supported by a central corporate center responsible for funding and non-core activities such as the dealing room and proprietary operations. Its products and services include financing and credit facilities such as Musharaka and Mudaraba, as well as retail credit cards, personal financing, mortgages, savings products, debt instruments, and mutual funds.
71GF Score

Get the complete analysis for CAI:SAUD

Cyclically Adjusted FCF per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

E£21.69
Price
E£18.24
GF Value