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Commercial International Bank (Egypt) CIB has the Financial Strength Rank of 5.
Warning Sign:
Commercial International Bank (Egypt) CIB displays poor financial strength. Usually, this is caused by too much debt for the company.
GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is rated on a scale of 1 to 10 and is based on these factors:
1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.
2. Debt to revenue ratio. The lower, the better.
3. Altman Z-Score.
4. Other debt related ratios.
A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.
Commercial International Bank (Egypt) CIB did not have earnings to cover the interest expense.
Commercial International Bank (Egypt) CIB's debt to revenue ratio for the quarter that ended in Jun. 2026 was 0.57.
Altman Z-Score does not apply to banks and insurance companies.
Commercial International Bank (Egypt) CIB (CHIX:CBKDl) Financial Strength Explanation
The rank is rated on a scale of 1 to 10. A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.
Commercial International Bank (Egypt) CIB has the Financial Strength Rank of 5.
Commercial International Bank (Egypt) CIB Financial Strength Related Terms
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
The higher the ratio, the stronger the company's financial strength is.
Good Sign:
Ben Graham prefers companies' interest coverage to be at least 5. Commercial International Bank (Egypt) CIB has enough cash to cover all of its debt. Its financial situation is stable.
Z-Score model is an accurate forecaster of failure up to two years prior to distress. It can be considered the assessment of the distress of industrial corporations.
The zones of discrimination were as such:
When Z-Score is less than 1.81, it is in Distress Zones.
When Z-Score is greater than 2.99, it is in Safe Zones.
When Z-Score is between 1.81 and 2.99, it is in Grey Zones.
Altman Z-Score does not apply to banks and insurance companies.
* 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 (CHIX:CBKDL) has a Financial Strength of 5 as of Jun. 2026. The financial strength rank measures the strength of a company's balance sheet based on revenue and debt. View historical data on Commercial International Bank (Egypt) CIB and its competitors. This is near median its historical median of 5.00. Over the past decade, Commercial International Bank (Egypt) CIB's Financial Strength has ranged from 4.00 to 6.00.
Is Commercial International Bank (Egypt) CIB's Financial Strength too high?
Commercial International Bank (Egypt) CIB's current Financial Strength of 5 is near median its 10-year median of 5.00. Over the past 10 years, this metric has ranged from a low of 4.00 to a high of 6.00. Overall, Commercial International Bank (Egypt) CIB has a GF Score™ of 90/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Commercial International Bank (Egypt) CIB's Financial Strength compare to competitors?
Commercial International Bank (Egypt) CIB's Financial Strength of 5 can be compared against companies in the Banks industry. Historically, Commercial International Bank (Egypt) CIB's own Financial Strength has ranged from 4.00 to 6.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Financial Strength for a Banks company?
A good Financial Strength depends on the Banks industry context. However, Financial Strength 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 Financial Strength mean?
A high Financial Strength can signal that a stock is expensive relative to its fundamentals. The financial strength rank measures the strength of a company's balance sheet based on revenue and debt. View historical data on Commercial International Bank (Egypt) CIB and its competitors. Commercial International Bank (Egypt) CIB's current Financial Strength is 5, which is near median its own 10-year median of 5.00. 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 (CHIX:CBKDL) is currently considered Fairly Valued. The stock's GF Value™ is $2.29, compared to a current price of $2.46 — trading 7.4% above its estimated fair value. The current Financial Strength is 5, which is near median its 10-year median of 5.00. Commercial International Bank (Egypt) CIB's overall GF Score™ is 90/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Financial Strength calculated?
Financial Strength is calculated from a company's financial statements. For Commercial International Bank (Egypt) CIB (CHIX:CBKDL), the current Financial Strength is 5 as of Jun. 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 (CHIX:CBKDL) Overvalued in 2026?
Based on GuruFocus' analysis, Commercial International Bank (Egypt) CIB stock appears to be overvalued.
The current stock price of $2.46 is trading 7.4% above its estimated GF Value™ of $2.29.
GuruFocus considers Commercial International Bank (Egypt) CIB to be Fairly Valued.
Key valuation signals for CHIX:CBKDL:
Financial Strength: 5 (near median its 10-year median of 5.00)
GF Value™: $2.29 vs. price of $2.46 (7.4% above fair value)
No single metric tells the full story. See the CHIX:CBKDL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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.
90GF Score
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