Commercial International Bank (Egypt) CIB (FRA:CIN) FCF Margin %: 160.51% (As of Mar. 2026) — 52% Above Median


FRA:CIN Commercial International Bank (Egypt) CIB FRA:CIN
80 GF Score
Price €2.16
GF Value €2.24
Valuation Fairly Valued
! 6 Warning Signs
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What is Commercial International Bank (Egypt) CIB FCF Margin %?

Commercial International Bank (Egypt) CIB FRA:CIN -0.92% 80 FCF Margin % is 160.51% as of Mar. 2026, which is 52% above its 10-year median of 105.41. GuruFocus rates FRA:CIN with a GF Score™ of 80/100 and a GF Value™ of €2.24 (Fairly Valued). The stock has 6 warning signs investors should review. Among 1,505 Banks companies, Commercial International Bank (Egypt) CIB ranks worse than 53.95% on this metric.

FCF Margin % is calculated as Free Cash Flow divided by its Revenue. Commercial International Bank (Egypt) CIB's Free Cash Flow for the three months ended in Mar. 2026 was €960 Mil. Commercial International Bank (Egypt) CIB's Revenue for the three months ended in Mar. 2026 was €598 Mil. Therefore, Commercial International Bank (Egypt) CIB's FCF Margin % for the quarter that ended in Mar. 2026 was 160.51%.

As of today, Commercial International Bank (Egypt) CIB's current FCF Yield % is 6.90%.

The historical rank and industry rank for Commercial International Bank (Egypt) CIB's FCF Margin % or its related term are showing as below:

FRA:CIN' s FCF Margin % Range Over the Past 10 Years
Min: 3.3   Med: 105.41   Max: 339.65
Current: 24.77


During the past 13 years, the highest FCF Margin % of Commercial International Bank (Egypt) CIB was 339.65%. The lowest was 3.30%. And the median was 105.41%.

FRA:CIN's FCF Margin % is ranked worse than
53.95% of 1505 companies
in the Banks industry
Industry Median: 26.55 vs FRA:CIN: 24.77


Commercial International Bank (Egypt) CIB FCF Margin % Related Terms


Commercial International Bank (Egypt) CIB FCF Margin % Historical Data

* Premium members only.

The historical data trend for Commercial International Bank (Egypt) CIB's FCF Margin % 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.

Commercial International Bank (Egypt) CIB FCF Margin % Chart

Commercial International Bank (Egypt) CIB Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
FCF Margin %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 105.47 175.35 287.76 80.69 105.34

Commercial International Bank (Egypt) CIB Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
FCF Margin % 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 551.83 -245.30 279.99 -118.73 160.51

Commercial International Bank (Egypt) CIB FCF Margin % Competitor Comparison

For the Banks - Regional subindustry, Commercial International Bank (Egypt) CIB's FCF Margin %, along with its competitors' market caps and FCF Margin % 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.


Commercial International Bank (Egypt) CIB FCF Margin % vs Banks Industry

For the Banks industry and Financial Services sector, Commercial International Bank (Egypt) CIB's FCF Margin % distribution charts can be found below:

* The bar in red indicates where Commercial International Bank (Egypt) CIB's FCF Margin % falls into.


FRA:CIN
80GF Score
Commercial International Bank (Egypt) CIB FRA:CIN
FCF Margin % is just one metric. See GF Score™, valuation, warning signs, and more.
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Commercial International Bank (Egypt) CIB FCF Margin % Calculation

FCF margin is the ratio of Free Cash Flow divided by net sales or Revenue, usually presented in percent.

Commercial International Bank (Egypt) CIB's FCF Margin for the fiscal year that ended in Dec. 2025 is calculated as

FCF Margin=Free Cash Flow (A: Dec. 2025 )/Revenue (A: Dec. 2025 )
=2284.522/2168.742
=105.34 %

Commercial International Bank (Egypt) CIB's FCF Margin for the quarter that ended in Mar. 2026 is calculated as

FCF Margin=Free Cash Flow (Q: Mar. 2026 )/Revenue (Q: Mar. 2026 )
=959.757/597.928
=160.51 %

* 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.

Frequently Asked Questions Learn more about FCF Margin % →
What does a FCF Margin % of 160.51% mean?
Commercial International Bank (Egypt) CIB (FRA:CIN) has a FCF Margin % of 160.51% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Commercial International Bank (Egypt) CIB and its competitors. This is 52% above median its historical median of 105.41. Over the past decade, Commercial International Bank (Egypt) CIB's FCF Margin % has ranged from 3.30 to 339.65. According to the industry distribution chart, Commercial International Bank (Egypt) CIB ranks #812 out of 1505 companies in the Banks industry, placing it in the top 54%.
Is Commercial International Bank (Egypt) CIB's FCF Margin % too high?
Commercial International Bank (Egypt) CIB's current FCF Margin % of 160.51% is 52% above median its 10-year median of 105.41. Over the past 10 years, this metric has ranged from a low of 3.30 to a high of 339.65. The Banks industry median FCF Margin % is 26.55. Commercial International Bank (Egypt) CIB's value of 160.51% is 504.6% above this industry median. Based on the distribution chart, Commercial International Bank (Egypt) CIB ranks #812 out of 1505 companies in the Banks industry, which is below the industry midpoint. Overall, Commercial International Bank (Egypt) CIB has a GF Score™ of 80/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Commercial International Bank (Egypt) CIB's FCF Margin % compare to competitors?
According to the Banks industry distribution chart, Commercial International Bank (Egypt) CIB ranks #812 out of 1505 companies for FCF Margin %. This places Commercial International Bank (Egypt) CIB in the lower half of its industry. The industry median FCF Margin % is 26.55. Commercial International Bank (Egypt) CIB's value of 160.51% is 504.6% above this benchmark. Historically, Commercial International Bank (Egypt) CIB's own FCF Margin % has ranged from 3.30 to 339.65 over the past decade. While the company's 10-year median is 105.41 vs. the industry median of 26.55, Commercial International Bank (Egypt) CIB has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.55, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Commercial International Bank (Egypt) CIB's current FCF Margin % of 160.51% is 504.6% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Commercial International Bank (Egypt) CIB and its competitors. For the Banks industry, the median FCF Margin % is 26.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Commercial International Bank (Egypt) CIB's current FCF Margin % is 160.51%, which is 52% above median its own 10-year median of 105.41. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Commercial International Bank (Egypt) CIB stock overvalued right now?
Based on GuruFocus' analysis, Commercial International Bank (Egypt) CIB (FRA:CIN) is currently considered Fairly Valued. The stock's GF Value™ is €2.24, compared to a current price of €2.16 — trading 3.6% below its estimated fair value. The current FCF Margin % is 160.51%, which is 52% above median its 10-year median of 105.41 and 504.6% above the Banks industry median of 26.55. Commercial International Bank (Egypt) CIB's overall GF Score™ is 80/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Commercial International Bank (Egypt) CIB (FRA:CIN), the current FCF Margin % is 160.51% 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 Commercial International Bank (Egypt) CIB (FRA:CIN) Overvalued in 2026?

Based on GuruFocus' analysis, Commercial International Bank (Egypt) CIB stock appears to be undervalued. The current stock price of €2.16 is trading 3.6% below its estimated GF Value™ of €2.24. GuruFocus considers Commercial International Bank (Egypt) CIB to be Fairly Valued.

Key valuation signals for FRA:CIN:

  • FCF Margin %: 160.51% (52% above median its 10-year median of 105.41)
  • GF Value™: €2.24 vs. price of €2.16 (3.6% below fair value)
  • GF Score™: 80/100 with 6 warning signs
  • Industry Position: 504.6% above the Banks median (#812 of 1505)

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


Commercial International Bank (Egypt) CIB Business Description

Address 21/23 Charles De Gaulle Street, Nile Tower Building, Giza, EGY
Commercial International Bank (Egypt) CIB is a private-sector bank in Egypt. It provides retail, corporate and investment banking services to retail customers, high-net-worth individuals, and enterprises and institutions across Egypt. The company's business segments are: i) Corporate banking & SME's, Investment, Retail banking, Assets and liabilities management. The majority of the company's revenue is derived from the Corporate banking & SME's segment, which includes current account activities, deposits, overdrafts, loans, credit facilities, and financial derivatives to large, medium, and small entities, currency and derivative products.
80GF Score

Get the complete analysis for FRA:CIN

FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€2.16
Price
€2.24
GF Value