CHIX:CBKDl's ROA % is ranked better than 98.56% of 1529
companies
in the Banks industry
Industry Median: 0.98
vs CHIX:CBKDl: 6.00
Commercial International Bank (Egypt) CIB (CHIX:CBKDl) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % 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 ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
Commercial International Bank (Egypt) CIB ROA % Related Terms
Commercial International Bank (Egypt) CIB ROA % 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 ROA % Chart
Commercial International Bank (Egypt) CIB Annual Data
Commercial International Bank (Egypt) CIB ROA % Competitor Comparison
For the Banks - Regional subindustry, Commercial International Bank (Egypt) CIB's ROA %, along with its competitors' market caps and ROA % 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 ROA % 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 ROA %, the net income of the last fiscal year and the average total assets 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.
ROA % is displayed in the 30-year financial page.
Commercial International Bank (Egypt) CIB (CHIX:CBKDL) has a ROA % of 4.74% as of Mar. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Commercial International Bank (Egypt) CIB and its competitors. This is 61% above median its historical median of 2.94. Over the past decade, Commercial International Bank (Egypt) CIB's ROA % has ranged from 2.51 to 6.19. According to the industry distribution chart, Commercial International Bank (Egypt) CIB ranks #22 out of 1529 companies in the Banks industry, placing it in the top 1.4%.
Is Commercial International Bank (Egypt) CIB's ROA % too high?
Commercial International Bank (Egypt) CIB's current ROA % of 4.74% is 61% 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 ROA % is 0.98. Commercial International Bank (Egypt) CIB's value of 4.74% is 383.7% above this industry median. Based on the distribution chart, Commercial International Bank (Egypt) CIB ranks #22 out of 1529 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 ROA % compare to competitors?
According to the Banks industry distribution chart, Commercial International Bank (Egypt) CIB ranks #22 out of 1529 companies for ROA %. This places Commercial International Bank (Egypt) CIB in the top 1% of its industry — outperforming the majority of peers. The industry median ROA % is 0.98. Commercial International Bank (Egypt) CIB's value of 4.74% is 383.7% above this benchmark. Historically, Commercial International Bank (Egypt) CIB's own ROA % 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 0.98, 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 ROA % for a Banks company?
The median ROA % among Banks companies is 0.98, based on 1,529 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Commercial International Bank (Egypt) CIB's current ROA % of 4.74% is 383.7% 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Commercial International Bank (Egypt) CIB and its competitors. For the Banks industry, the median ROA % is 0.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Commercial International Bank (Egypt) CIB's current ROA % is 4.74%, which is 61% 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 $2.67, compared to a current price of $2.59 — trading 3.2% below its estimated fair value. The current ROA % is 4.74%, which is 61% above median its 10-year median of 2.94 and 383.7% above the Banks industry median of 0.98. Commercial International Bank (Egypt) CIB's overall GF Score™ is 91/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROA % calculated?
ROA % is calculated from a company's financial statements. For Commercial International Bank (Egypt) CIB (CHIX:CBKDL), the current ROA % is 4.74% 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 $2.59 is trading 3.2% below its estimated GF Value™ of $2.67.
GuruFocus considers Commercial International Bank (Egypt) CIB to be Fairly Valued.
Key valuation signals for CHIX:CBKDL:
ROA %: 4.74% (61% above median its 10-year median of 2.94)
GF Value™: $2.67 vs. price of $2.59 (3.2% below fair value)
Industry Position: 383.7% above the Banks median (#22 of 1529)
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
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