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Credit Agricole EgyptECAI:CIEB -0.82%73 Return-on-Tangible-Equity is 33.16% as of Mar. 2026, which is 9% below its 10-year median of 36.37. GuruFocus rates CAI:CIEB with a GF Score™ of 73/100 and a GF Value™ of E£24.20 (Fairly Valued). The stock has 2 warning signs investors should review. Among 1,518 Banks companies, Credit Agricole EgyptE ranks better than 97.3% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Credit Agricole EgyptE's annualized net income for the quarter that ended in Mar. 2026 was E£7,143 Mil. Credit Agricole EgyptE's average shareholder tangible equity for the quarter that ended in Mar. 2026 was E£21,543 Mil. Therefore, Credit Agricole EgyptE's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 33.16%.
The historical rank and industry rank for Credit Agricole EgyptE's Return-on-Tangible-Equity or its related term are showing as below:
CAI:CIEB'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 19.36 Med: 36.37 Max: 45.22
Current: 33.57
During the past 13 years, Credit Agricole EgyptE's highest Return-on-Tangible-Equity was 45.22%. The lowest was 19.36%. And the median was 36.37%.
CAI:CIEB's Return-on-Tangible-Equity is ranked better than 97.3% of 1518
companies
in the Banks industry
Industry Median: 11.27
vs CAI:CIEB: 33.57
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Credit Agricole EgyptE Return-on-Tangible-Equity Related Terms
Credit Agricole EgyptE Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Credit Agricole EgyptE's Return-on-Tangible-Equity 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.
For the Banks - Regional subindustry, Credit Agricole EgyptE's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Credit Agricole EgyptE's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Credit Agricole EgyptE's Return-on-Tangible-Equity 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 33.16% mean?
Credit Agricole EgyptE (CAI:CIEB) has a Return-on-Tangible-Equity of 33.16% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Credit Agricole EgyptE and its competitors. This is near median its historical median of 36.37. Over the past decade, Credit Agricole EgyptE's Return-on-Tangible-Equity has ranged from 19.36 to 45.22. According to the industry distribution chart, Credit Agricole EgyptE ranks #41 out of 1518 companies in the Banks industry, placing it in the top 2.7%.
Is Credit Agricole EgyptE's Return-on-Tangible-Equity too high?
Credit Agricole EgyptE's current Return-on-Tangible-Equity of 33.16% is near median its 10-year median of 36.37. Over the past 10 years, this metric has ranged from a low of 19.36 to a high of 45.22. The Banks industry median Return-on-Tangible-Equity is 11.27. Credit Agricole EgyptE's value of 33.16% is 194.2% above this industry median. Based on the distribution chart, Credit Agricole EgyptE ranks #41 out of 1518 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 73/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Credit Agricole EgyptE's Return-on-Tangible-Equity compare to competitors?
According to the Banks industry distribution chart, Credit Agricole EgyptE ranks #41 out of 1518 companies for Return-on-Tangible-Equity. This places Credit Agricole EgyptE in the top 3% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 11.27. Credit Agricole EgyptE's value of 33.16% is 194.2% above this benchmark. Historically, Credit Agricole EgyptE's own Return-on-Tangible-Equity has ranged from 19.36 to 45.22 over the past decade. While the company's 10-year median is 36.37 vs. the industry median of 11.27, 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 Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.27, based on 1,518 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Credit Agricole EgyptE's current Return-on-Tangible-Equity of 33.16% is 194.2% 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-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Credit Agricole EgyptE and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.27 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Credit Agricole EgyptE's current Return-on-Tangible-Equity is 33.16%, which is near median its own 10-year median of 36.37. 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£24.20, compared to a current price of E£24.20 — trading right at its estimated fair value. The current Return-on-Tangible-Equity is 33.16%, which is near median its 10-year median of 36.37 and 194.2% above the Banks industry median of 11.27. Credit Agricole EgyptE's overall GF Score™ is 73/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Credit Agricole EgyptE (CAI:CIEB), the current Return-on-Tangible-Equity is 33.16% 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 undervalued.
The current stock price of E£24.20 is trading 0% below its estimated GF Value™ of E£24.20.
GuruFocus considers Credit Agricole EgyptE to be Fairly Valued.
Key valuation signals for CAI:CIEB:
Return-on-Tangible-Equity: 33.16% (near median its 10-year median of 36.37)
GF Value™: E£24.20 vs. price of E£24.20 (0% below fair value)
Industry Position: 194.2% above the Banks median (#41 of 1518)
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 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.
73GF Score
Get the complete analysis for CAI:CIEB
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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