Credit Agricole EgyptE (CAI:CIEB) Net Margin %: 49.14% (As of Mar. 2026) — Near Median


CAI:CIEB Credit Agricole Egypt SAE CAI:CIEB
74 GF Score
Price E£24.12
GF Value E£24.09
Valuation Fairly Valued
! 2 Warning Signs
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What is Credit Agricole EgyptE Net Margin %?

Credit Agricole EgyptE CAI:CIEB +0.71% 74 Net Margin % is 49.14% as of Mar. 2026, which is 6% below its 10-year median of 52.29. GuruFocus rates CAI:CIEB with a GF Score™ of 74/100 and a GF Value™ of E£24.09 (Fairly Valued). The stock has 2 warning signs investors should review. Among 1,530 Banks companies, Credit Agricole EgyptE ranks better than 95.16% on this metric.

Net margin is calculated as Net Income divided by its Revenue. Credit Agricole EgyptE's Net Income for the three months ended in Mar. 2026 was E£1,786 Mil. Credit Agricole EgyptE's Revenue for the three months ended in Mar. 2026 was E£3,634 Mil. Therefore, Credit Agricole EgyptE's net margin for the quarter that ended in Mar. 2026 was 49.14%.

The historical rank and industry rank for Credit Agricole EgyptE's Net Margin % or its related term are showing as below:

CAI:CIEB' s Net Margin % Range Over the Past 10 Years
Min: 36.96   Med: 52.29   Max: 57.73
Current: 51.25


CAI:CIEB's Net Margin % is ranked better than
95.16% of 1530 companies
in the Banks industry
Industry Median: 26.845 vs CAI:CIEB: 51.25

Credit Agricole EgyptE  (CAI:CIEB) Net Margin % Explanation

Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.

But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.


Credit Agricole EgyptE Net Margin % Related Terms


Credit Agricole EgyptE Net Margin % Historical Data

* Premium members only.

The historical data trend for Credit Agricole EgyptE's Net 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.

Credit Agricole EgyptE Net Margin % Chart

Credit Agricole EgyptE Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Margin %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 41.21 47.43 53.95 57.73 52.85

Credit Agricole EgyptE Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Net 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 54.80 52.53 49.64 53.84 49.14

Credit Agricole EgyptE Net Margin % Competitor Comparison

For the Banks - Regional subindustry, Credit Agricole EgyptE's Net Margin %, along with its competitors' market caps and Net 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.


Credit Agricole EgyptE Net Margin % vs Banks Industry

For the Banks industry and Financial Services sector, Credit Agricole EgyptE's Net Margin % distribution charts can be found below:

* The bar in red indicates where Credit Agricole EgyptE's Net Margin % falls into.


CAI:CIEB
74GF Score
Credit Agricole Egypt SAE CAI:CIEB
Net Margin % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Credit Agricole EgyptE Net Margin % Calculation

Net margin - also known as net profit margin is the ratio of Net Income divided by net sales or Revenue, usually presented in percent.

Credit Agricole EgyptE's Net Margin for the fiscal year that ended in Dec. 2025 is calculated as

Net Margin=Net Income (A: Dec. 2025 )/Revenue (A: Dec. 2025 )
=6960.04/13170.089
=52.85 %

Credit Agricole EgyptE's Net Margin for the quarter that ended in Mar. 2026 is calculated as

Net Margin=Net Income (Q: Mar. 2026 )/Revenue (Q: Mar. 2026 )
=1785.854/3634.437
=49.14 %

* 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 Net Margin % →
What does a Net Margin % of 49.14% mean?
Credit Agricole EgyptE (CAI:CIEB) has a Net Margin % of 49.14% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Credit Agricole EgyptE and its competitors. This is near median its historical median of 52.29. Over the past decade, Credit Agricole EgyptE's Net Margin % has ranged from 36.96 to 57.73. According to the industry distribution chart, Credit Agricole EgyptE ranks #74 out of 1530 companies in the Banks industry, placing it in the top 4.8%.
Is Credit Agricole EgyptE's Net Margin % too high?
Credit Agricole EgyptE's current Net Margin % of 49.14% is near median its 10-year median of 52.29. Over the past 10 years, this metric has ranged from a low of 36.96 to a high of 57.73. The Banks industry median Net Margin % is 26.85. Credit Agricole EgyptE's value of 49.14% is 83.1% above this industry median. Based on the distribution chart, Credit Agricole EgyptE ranks #74 out of 1530 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Credit Agricole EgyptE has a GF Score™ of 74/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Credit Agricole EgyptE's Net Margin % compare to competitors?
According to the Banks industry distribution chart, Credit Agricole EgyptE ranks #74 out of 1530 companies for Net Margin %. This places Credit Agricole EgyptE in the top 5% of its industry — outperforming the majority of peers. The industry median Net Margin % is 26.85. Credit Agricole EgyptE's value of 49.14% is 83.1% above this benchmark. Historically, Credit Agricole EgyptE's own Net Margin % has ranged from 36.96 to 57.73 over the past decade. While the company's 10-year median is 52.29 vs. the industry median of 26.85, Credit Agricole EgyptE 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.85, based on 1,530 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Credit Agricole EgyptE's current Net Margin % of 49.14% is 83.1% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Credit Agricole EgyptE and its competitors. For the Banks industry, the median Net Margin % is 26.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Credit Agricole EgyptE's current Net Margin % is 49.14%, which is near median its own 10-year median of 52.29. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Credit Agricole EgyptE stock overvalued right now?
Based on GuruFocus' analysis, Credit Agricole EgyptE (CAI:CIEB) is currently considered Fairly Valued. The stock's GF Value™ is E£24.09, compared to a current price of E£24.12 — trading 0.1% above its estimated fair value. The current Net Margin % is 49.14%, which is near median its 10-year median of 52.29 and 83.1% above the Banks industry median of 26.85. Credit Agricole EgyptE's overall GF Score™ is 74/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Credit Agricole EgyptE (CAI:CIEB), the current Net Margin % is 49.14% 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 Credit Agricole EgyptE (CAI:CIEB) Overvalued in 2026?

Based on GuruFocus' analysis, Credit Agricole EgyptE stock appears to be overvalued. The current stock price of E£24.12 is trading 0.1% above its estimated GF Value™ of E£24.09. GuruFocus considers Credit Agricole EgyptE to be Fairly Valued.

Key valuation signals for CAI:CIEB:

  • Net Margin %: 49.14% (near median its 10-year median of 52.29)
  • GF Value™: E£24.09 vs. price of E£24.12 (0.1% above fair value)
  • GF Score™: 74/100 with 2 warning signs
  • Industry Position: 83.1% above the Banks median (#74 of 1530)

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


Credit Agricole EgyptE Business Description

Address Land Piece (9/10/11/12/13), P.O. Box: 364, Touristic Area, 5th Settlement, Cairo, EGY, 11835
Credit Agricole Egypt SAE is engaged in providing corporate banking, retail, and investment banking services in the Arab Republic of Egypt and foreign countries. The company has four operating segments; Large, medium, and small enterprises provide current accounts, deposits, overdraft accounts, loans, credit facilities, and financial derivative activities; the Investment segment offers money management activities; Retail segment offers current accounts, saving accounts, deposits, credit card, personal loans, and real estate loans activities; and Asset and liability management segment offers other banking operations, such as asset and liability management. Geographically, it operates in Egypt.
74GF Score

Get the complete analysis for CAI:CIEB

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

E£24.12
Price
E£24.09
GF Value