CHIX:CBKDl'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 18.43 Med: 30.8 Max: 45.41
Current: 42.12
During the past 13 years, Commercial International Bank (Egypt) CIB's highest Return-on-Tangible-Equity was 45.41%. The lowest was 18.43%. And the median was 30.80%.
CHIX:CBKDl's Return-on-Tangible-Equity is ranked better than 98.22% of 1521
companies
in the Banks industry
Industry Median: 11.19
vs CHIX:CBKDl: 42.12
Commercial International Bank (Egypt) CIB (CHIX:CBKDl) Return-on-Tangible-Equity Explanation
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.
Commercial International Bank (Egypt) CIB Return-on-Tangible-Equity Related Terms
Commercial International Bank (Egypt) CIB Return-on-Tangible-Equity 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-Equity Chart
Commercial International Bank (Egypt) CIB Annual Data
Commercial International Bank (Egypt) CIB Return-on-Tangible-Equity Competitor Comparison
For the Banks - Regional subindustry, Commercial International Bank (Egypt) CIB'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.
Commercial International Bank (Egypt) CIB Return-on-Tangible-Equity 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-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 31.85% mean?
Commercial International Bank (Egypt) CIB (CHIX:CBKDL) has a Return-on-Tangible-Equity of 31.85% 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 Commercial International Bank (Egypt) CIB and its competitors. This is near median its historical median of 30.80. Over the past decade, Commercial International Bank (Egypt) CIB's Return-on-Tangible-Equity has ranged from 18.43 to 45.41. According to the industry distribution chart, Commercial International Bank (Egypt) CIB ranks #27 out of 1521 companies in the Banks industry, placing it in the top 1.8%.
Is Commercial International Bank (Egypt) CIB's Return-on-Tangible-Equity too high?
Commercial International Bank (Egypt) CIB's current Return-on-Tangible-Equity of 31.85% is near median its 10-year median of 30.80. Over the past 10 years, this metric has ranged from a low of 18.43 to a high of 45.41. The Banks industry median Return-on-Tangible-Equity is 11.19. Commercial International Bank (Egypt) CIB's value of 31.85% is 184.6% above this industry median. Based on the distribution chart, Commercial International Bank (Egypt) CIB ranks #27 out of 1521 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 92/100 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-Equity compare to competitors?
According to the Banks industry distribution chart, Commercial International Bank (Egypt) CIB ranks #27 out of 1521 companies for Return-on-Tangible-Equity. 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-Equity is 11.19. Commercial International Bank (Egypt) CIB's value of 31.85% is 184.6% above this benchmark. Historically, Commercial International Bank (Egypt) CIB's own Return-on-Tangible-Equity has ranged from 18.43 to 45.41 over the past decade. While the company's 10-year median is 30.80 vs. the industry median of 11.19, 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-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.19, based on 1,521 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. Commercial International Bank (Egypt) CIB's current Return-on-Tangible-Equity of 31.85% is 184.6% 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 Commercial International Bank (Egypt) CIB and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.19 — 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-Equity is 31.85%, which is near median its own 10-year median of 30.80. 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 $2.64, compared to a current price of $2.61 — trading 1.1% below its estimated fair value. The current Return-on-Tangible-Equity is 31.85%, which is near median its 10-year median of 30.80 and 184.6% above the Banks industry median of 11.19. Commercial International Bank (Egypt) CIB's overall GF Score™ is 92/100 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 Commercial International Bank (Egypt) CIB (CHIX:CBKDL), the current Return-on-Tangible-Equity is 31.85% 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 Commercial International Bank (Egypt) CIB (CHIX:CBKDL) Overvalued in 2026?
Based on GuruFocus' analysis, Commercial International Bank (Egypt) CIB stock appears to be undervalued.
The current stock price of $2.61 is trading 1.1% below its estimated GF Value™ of $2.64.
GuruFocus considers Commercial International Bank (Egypt) CIB to be Fairly Valued.
Key valuation signals for CHIX:CBKDL:
Return-on-Tangible-Equity: 31.85% (near median its 10-year median of 30.80)
GF Value™: $2.64 vs. price of $2.61 (1.1% below fair value)
Industry Position: 184.6% above the Banks median (#27 of 1521)
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.
92GF Score
Get the complete analysis for CHIX:CBKDL
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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