Faisal Islamic Bank of EgyptCAI:FAIT -2.90%29 Piotroski F-Score is 7 as of Jun. 28, 2026, which is 13% below its 10-year median of 8.00. GuruFocus rates CAI:FAIT with a GF Score™ of 29/100. The stock has 3 warning signs investors should review. Among 1,501 Banks companies, Faisal Islamic Bank of Egypt ranks better than 77.95% on this metric.
Good Sign:
Piotroski F-Score is 7, indicates a very healthy situation.
The zones of discrimination were as such:
Good or high score = 7, 8, 9
Bad or low score = 0, 1, 2, 3
Faisal Islamic Bank of Egypt has an F-score of 8. It is a good or high score, which usually indicates a very healthy situation.
The historical rank and industry rank for Faisal Islamic Bank of Egypt's Piotroski F-Score or its related term are showing as below:
CAI:FAIT'
s Piotroski F-Score Range Over the Past 10 Years
Min: 2 Med: 8 Max: 9
Current: 7
During the past 13 years, the highest Piotroski F-Score of Faisal Islamic Bank of Egypt was 9. The lowest was 2. And the median was 8.
Faisal Islamic Bank of Egypt (CAI:FAIT) Piotroski F-Score Explanation
The developer of the system is Joseph D. Piotroski is relatively unknown accounting professor who shuns publicity and rarely gives interviews.
He graduated from the University of Illinois with a B.S. in accounting in 1989, received an M.B.A. from Indiana University in 1994. Five years later, in 1999, after earning a Ph.D. in accounting from the University of Michigan, he became an associate professor of accounting at the University of Chicago.
He wanted to see if he can develop a system (using a simple nine-point scoring system) that can increase the returns of a strategy of investing in low price to book (referred to in the paper as high book to market) value companies.
What he found was something that exceeded his most optimistic expectations.
Buying only those companies that scored highest (8 or 9) on his nine-point scale, or F-Score as he called it, over the 20 year period from 1976 to 1996 led to an average out-performance over the market of 13.4%.
Even more impressive were the results of a strategy of investing in the highest F-Score companies (8 or 9) and shorting companies with the lowest F-Score (0 or 1).
Over the same period from 1976 to 1996 (20 years) this strategy led to an average yearly return of 23%, substantially outperforming the average S&P 500 index return of 15.83% over the same period.
Faisal Islamic Bank of Egypt Piotroski F-Score Related Terms
Faisal Islamic Bank of Egypt Piotroski F-Score Historical Data
* 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.
Faisal Islamic Bank of Egypt Piotroski F-Score Chart
Faisal Islamic Bank of Egypt Piotroski F-Score Competitor Comparison
For the Banks - Regional subindustry, Faisal Islamic Bank of Egypt's Piotroski F-Score, along with its competitors' market caps and Piotroski F-Score 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.
Faisal Islamic Bank of Egypt Piotroski F-Score vs Banks Industry
For the Banks industry and Financial Services sector, Faisal Islamic Bank of Egypt's Piotroski F-Score distribution charts can be found below:
* The bar in red indicates where Faisal Islamic Bank of Egypt's Piotroski F-Score falls into.
* 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.
This Year (Dec25) TTM:
Last Year (Jun24) TTM:
Net Income was 2033.28 + 2749.457 + 1234.864 + 1606.03 = E£7,624 Mil. Cash Flow from Operations was 13539.76 + 12080.127 + 0 + 6252.432 = E£31,872 Mil. Revenue was 4376.801 + 269.693 + 4499.965 + 0 = E£9,146 Mil.
Average Total Assets from the begining of this year (Jun24)
to the end of this year (Dec25) was
(220675.257 + 230941.939 + 240231.753 + 256796.711 + 257935.069) / 5 = E£241316.1458 Mil. Total Assets at the begining of this year (Jun24) was E£220,675 Mil. Long-Term Debt & Capital Lease Obligation was E£0 Mil. Total Assets was E£257,935 Mil. Total Liabilities was E£216,293 Mil.
Net Income was 843.382 + 270.379 + 6152.33 + 45.077 = E£7,311 Mil.
Revenue was 0 + 0 + 0 + 0 = E£0 Mil.
Average Total Assets from the begining of last year (Jun23)
to the end of last year (Jun24) was
(173098.961 + 174592.174 + 176961.661 + 221905.433 + 220675.257) / 5 = E£193446.6972 Mil. Total Assets at the begining of last year (Jun23) was E£173,099 Mil. Long-Term Debt & Capital Lease Obligation was E£0 Mil. Total Assets was E£220,675 Mil. Total Liabilities was E£185,663 Mil.
*Note: If the latest quarterly/semi-annual/annual total assets data is 0, then we will use previous quarterly/semi-annual/annual data for all the items in the balance sheet.
Profitability
Question 1. Return on Assets (ROA)
Net income before extraordinary items for the year divided by Total Assets at the beginning of the year.
Score 1 if positive, 0 if negative.
Faisal Islamic Bank of Egypt's current Net Income (TTM) was 7,624.
==> Positive ==> Score 1.
Question 2. Cash Flow Return on Assets (CFROA)
Net cash flow from operating activities (operating cash flow) divided by Total Assets at the beginning of the year.
Score 1 if positive, 0 if negative.
Faisal Islamic Bank of Egypt's current Cash Flow from Operations (TTM) was 31,872.
==> Positive ==> Score 1.
Question 3. Change in Return on Assets
Compare this year's return on assets (1) to last year's return on assets.
Faisal Islamic Bank of Egypt's return on assets of this year was 0.03454683. Faisal Islamic Bank of Egypt's return on assets of last year was 0.04223693.
==> Last year is higher ==> Score 0.
Question 4. Quality of Earnings (Accrual)
Compare Cash flow return on assets (2) to return on assets (1)
Faisal Islamic Bank of Egypt's gearing of this year was 0. Faisal Islamic Bank of Egypt's gearing of last year was 0.
==> This year is lower or equal to last year. ==> Score 1.
Question 6. Change in Working Capital (Liquidity)
Compare this year's current ratio (current assets divided by current liabilities) to last year's current ratio.
Score 1 if this year's current ratio is higher, 0 if it's lower
* Note that for banks and insurance companies, there's no Total Current Assets and Total Current Liabilities reported. Thus, we use Total Assets and Total Liabilities to calculate current ratio for banks and insurance companies.
Faisal Islamic Bank of Egypt's current ratio of this year was 1.19252875. Faisal Islamic Bank of Egypt's current ratio of last year was 1.18857912.
==> This year's current ratio is higher. ==> Score 1.
Question 7. Change in Shares in Issue
Compare the number of shares in issue this year, to the number in issue last year.
Score 0 if there is larger number of shares in issue this year, 1 otherwise.
Faisal Islamic Bank of Egypt's number of shares in issue this year was 637.845. Faisal Islamic Bank of Egypt's number of shares in issue last year was 637.845.
==> There is smaller number of shares in issue this year, or the same. ==> Score 1.
Efficiency
Question 8. Change in Gross Margin
Compare this year's gross margin (Gross Profit divided by sales) to last year's.
Score 1 if this year's gross margin is higher, 0 if it's lower.
* Note that for banks and insurance companies, there's no Gross Profit reported. Thus, we use net income instead of gross profit and calculate Net Margin for this score.
Faisal Islamic Bank of Egypt's net margin of this year was 0.83350628. Faisal Islamic Bank of Egypt's net margin of last year was .
==> This year's net margin is higher. ==> Score 1.
Question 9. Change in asset turnover
Compare this year's asset turnover (total sales for the year divided by total assets at the beginning of the year) to last year's asset turnover ratio.
Score 1 if this year's asset turnover ratio is higher, 0 if it's lower
Faisal Islamic Bank of Egypt's asset turnover of this year was 0.0414476. Faisal Islamic Bank of Egypt's asset turnover of last year was 0.
==> This year's asset turnover is higher. ==> Score 1.
Evaluation
Piotroski F-Score
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Good or high score = 7, 8, 9
Bad or low score = 0, 1, 2, 3
Faisal Islamic Bank of Egypt has an F-score of 8. It is a good or high score, which usually indicates a very healthy situation.
Faisal Islamic Bank of Egypt (CAI:FAIT) has a Piotroski F-Score of 7 as of Jun. 28, 2026. The Piotroski F-score grades a company's business operating strength from 0-9. View historical data on Faisal Islamic Bank of Egypt and its competitors. This is 13% below median its historical median of 8.00. Over the past decade, Faisal Islamic Bank of Egypt's Piotroski F-Score has ranged from 2.00 to 9.00. According to the industry distribution chart, Faisal Islamic Bank of Egypt ranks #331 out of 1501 companies in the Banks industry, placing it in the top 22.1%.
Is Faisal Islamic Bank of Egypt's Piotroski F-Score too high?
Faisal Islamic Bank of Egypt's current Piotroski F-Score of 7 is 13% below median its 10-year median of 8.00. Over the past 10 years, this metric has ranged from a low of 2.00 to a high of 9.00. The Banks industry median Piotroski F-Score is 6.00. Faisal Islamic Bank of Egypt's value of 7 is 16.7% above this industry median. Based on the distribution chart, Faisal Islamic Bank of Egypt ranks #331 out of 1501 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Faisal Islamic Bank of Egypt has a GF Score™ of 29/100, reflecting its overall financial health beyond just this single metric.
How does Faisal Islamic Bank of Egypt's Piotroski F-Score compare to competitors?
According to the Banks industry distribution chart, Faisal Islamic Bank of Egypt ranks #331 out of 1501 companies for Piotroski F-Score. This places Faisal Islamic Bank of Egypt in the top 22% of its industry — outperforming the majority of peers. The industry median Piotroski F-Score is 6.00. Faisal Islamic Bank of Egypt's value of 7 is 16.7% above this benchmark. Historically, Faisal Islamic Bank of Egypt's own Piotroski F-Score has ranged from 2.00 to 9.00 over the past decade. While the company's 10-year median is 8.00 vs. the industry median of 6.00, Faisal Islamic Bank of Egypt 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 Piotroski F-Score for a Banks company?
The median Piotroski F-Score among Banks companies is 6.00, based on 1,501 companies in the industry. Companies in the top quartile (top 25%) have a Piotroski F-Score significantly above this median, while those in the bottom quartile fall well below. However, Piotroski F-Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Faisal Islamic Bank of Egypt's current Piotroski F-Score of 7 is 16.7% 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 Piotroski F-Score mean?
A high Piotroski F-Score can signal that a stock is expensive relative to its fundamentals. The Piotroski F-score grades a company's business operating strength from 0-9. View historical data on Faisal Islamic Bank of Egypt and its competitors. For the Banks industry, the median Piotroski F-Score is 6.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Faisal Islamic Bank of Egypt's current Piotroski F-Score is 7, which is 13% below median its own 10-year median of 8.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Faisal Islamic Bank of Egypt stock overvalued right now?
Faisal Islamic Bank of Egypt (CAI:FAIT) has a current Piotroski F-Score of 7. The current Piotroski F-Score is 7, which is 13% below median its 10-year median of 8.00 and 16.7% above the Banks industry median of 6.00. Faisal Islamic Bank of Egypt's overall GF Score™ is 29/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Piotroski F-Score calculated?
Piotroski F-Score is calculated from a company's financial statements. For Faisal Islamic Bank of Egypt (CAI:FAIT), the current Piotroski F-Score is 7 as of Jun. 28, 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.
Faisal Islamic Bank of Egypt is an Egyptian Islamic and commercial bank. It provides general banking services like deposits, loans, letters of credit and guarantee, securities services, saving pools, and finance and investment.
29GF Score
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