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CHIX:CBKDl's Return-on-Tangible-Asset is ranked better than 98.49% of 1523
companies
in the Banks industry
Industry Median: 0.99
vs CHIX:CBKDl: 5.98
Commercial International Bank (Egypt) CIB (CHIX:CBKDl) Return-on-Tangible-Asset Explanation
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
Commercial International Bank (Egypt) CIB Return-on-Tangible-Asset Related Terms
Commercial International Bank (Egypt) CIB Return-on-Tangible-Asset 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.
Commercial International Bank (Egypt) CIB Return-on-Tangible-Asset Chart
Commercial International Bank (Egypt) CIB Annual Data
Commercial International Bank (Egypt) CIB Return-on-Tangible-Asset Competitor Comparison
For the Banks - Regional subindustry, Commercial International Bank (Egypt) CIB's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Banks Industry
* 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Jun. 2026) net income data.
What does a Return-on-Tangible-Asset of 5.28% mean?
Commercial International Bank (Egypt) CIB (CHIX:CBKDL) has a Return-on-Tangible-Asset of 5.28% as of Jun. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Commercial International Bank (Egypt) CIB and its competitors. This is 80% above median its historical median of 2.94. Over the past decade, Commercial International Bank (Egypt) CIB's Return-on-Tangible-Asset has ranged from 2.51 to 6.19. According to the industry distribution chart, Commercial International Bank (Egypt) CIB ranks #23 out of 1523 companies in the Banks industry, placing it in the top 1.5%.
Is Commercial International Bank (Egypt) CIB's Return-on-Tangible-Asset too high?
Commercial International Bank (Egypt) CIB's current Return-on-Tangible-Asset of 5.28% is 80% above median its 10-year median of 2.94. Over the past 10 years, this metric has ranged from a low of 2.51 to a high of 6.19. The Banks industry median Return-on-Tangible-Asset is 0.99. Commercial International Bank (Egypt) CIB's value of 5.28% is 433.3% above this industry median. Based on the distribution chart, Commercial International Bank (Egypt) CIB ranks #23 out of 1523 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Commercial International Bank (Egypt) CIB has a GF Score™ of 91/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Commercial International Bank (Egypt) CIB's Return-on-Tangible-Asset compare to competitors?
According to the Banks industry distribution chart, Commercial International Bank (Egypt) CIB ranks #23 out of 1523 companies for Return-on-Tangible-Asset. This places Commercial International Bank (Egypt) CIB in the top 2% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Asset is 0.99. Commercial International Bank (Egypt) CIB's value of 5.28% is 433.3% above this benchmark. Historically, Commercial International Bank (Egypt) CIB's own Return-on-Tangible-Asset has ranged from 2.51 to 6.19 over the past decade. While the company's 10-year median is 2.94 vs. the industry median of 0.99, 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 Return-on-Tangible-Asset for a Banks company?
The median Return-on-Tangible-Asset among Banks companies is 0.99, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Commercial International Bank (Egypt) CIB's current Return-on-Tangible-Asset of 5.28% is 433.3% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Commercial International Bank (Egypt) CIB and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 0.99 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Commercial International Bank (Egypt) CIB's current Return-on-Tangible-Asset is 5.28%, which is 80% above median its own 10-year median of 2.94. 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 $2.59, compared to a current price of $2.66 — trading 2.5% above its estimated fair value. The current Return-on-Tangible-Asset is 5.28%, which is 80% above median its 10-year median of 2.94 and 433.3% above the Banks industry median of 0.99. Commercial International Bank (Egypt) CIB's overall GF Score™ is 91/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For Commercial International Bank (Egypt) CIB (CHIX:CBKDL), the current Return-on-Tangible-Asset is 5.28% 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 $2.66 is trading 2.5% above its estimated GF Value™ of $2.59.
GuruFocus considers Commercial International Bank (Egypt) CIB to be Fairly Valued.
Key valuation signals for CHIX:CBKDL:
Return-on-Tangible-Asset: 5.28% (80% above median its 10-year median of 2.94)
GF Value™: $2.59 vs. price of $2.66 (2.5% above fair value)
Industry Position: 433.3% above the Banks median (#23 of 1523)
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 Business Description
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.
91GF Score
Get the complete analysis for CHIX:CBKDL
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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