Fawry For Banking Technology And Electronic Payment (CAI:FWRY) ROE %: 36.98% (As of Mar. 2026) — 69% Above Median


CAI:FWRY Fawry For Banking Technology And Electronic Payment CAI:FWRY
100 GF Score
Price E£18.70
GF Value E£19.70
Valuation Fairly Valued
! 4 Warning Signs
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What is Fawry For Banking Technology And Electronic Payment ROE %?

Fawry For Banking Technology And Electronic Payment CAI:FWRY -1.58% 100 ROE % is 36.98% as of Mar. 2026, which is 69% above its 10-year median of 21.83. GuruFocus rates CAI:FWRY with a GF Score™ of 100/100 and a GF Value™ of E£19.70 (Fairly Valued). The stock has 4 warning signs investors should review. Among 2,679 Software companies, Fawry For Banking Technology And Electronic Payment ranks better than 94.4% on this metric.

ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. Fawry For Banking Technology And Electronic Payment's annualized net income for the quarter that ended in Mar. 2026 was E£2,997 Mil. Fawry For Banking Technology And Electronic Payment's average Total Stockholders Equity over the quarter that ended in Mar. 2026 was E£8,106 Mil. Therefore, Fawry For Banking Technology And Electronic Payment's annualized ROE % for the quarter that ended in Mar. 2026 was 36.98%.

The historical rank and industry rank for Fawry For Banking Technology And Electronic Payment's ROE % or its related term are showing as below:

CAI:FWRY' s ROE % Range Over the Past 10 Years
Min: 12.18   Med: 21.83   Max: 45.58
Current: 44.03

During the past 11 years, Fawry For Banking Technology And Electronic Payment's highest ROE % was 45.58%. The lowest was 12.18%. And the median was 21.83%.

CAI:FWRY's ROE % is ranked better than
94.4% of 2679 companies
in the Software industry
Industry Median: 4.68 vs CAI:FWRY: 44.03

Fawry For Banking Technology And Electronic Payment  (CAI:FWRY) ROE % Explanation

ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.

The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:

ROE %(Q: Mar. 2026 )
=Net Income/Total Stockholders Equity
=2997.356/8105.9245
=(Net Income / Revenue )*(Revenue / Total Assets)*(Total Assets / Total Stockholders Equity)
=(2997.356 / 9642.936)*(9642.936 / 21974.241)*(21974.241 / 8105.9245)
=Net Margin %*Asset Turnover*Equity Multiplier
=31.08 %*0.4388*2.7109
=ROA %*Equity Multiplier
=13.64 %*2.7109
=36.98 %

With this breakdown, it is clear that if a company grows its Net Profit Margin, its Asset Turnover, or its Leverage, it can grow its ROE %.

The factors that affect a company's ROE % can also be illustrated with the five-step DuPont Analysis:

ROE %(Q: Mar. 2026 )
=Net Income/Total Stockholders Equity
=2997.356/8105.9245
=(Net Income / Pre-Tax Income) * (Pre-Tax Income / Operating Income) * (Operating Income / Revenue) * (Revenue / Total Assets) * (Total Assets / Total Stockholders Equity)
= (2997.356 / 4246.892) * (4246.892 / 3586.284) * (3586.284 / 9642.936) * (9642.936 / 21974.241) * (21974.241 / 8105.9245)
= Tax Burden * Interest Burden * Operating Margin % * Asset Turnover * Equity Multiplier
= 0.7058 * 1.1842 * 37.19 % * 0.4388 * 2.7109
=36.98 %

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. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.

* 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

Net Income is used.

Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % 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 ROE %s can be extremely high.


Fawry For Banking Technology And Electronic Payment ROE % Related Terms


Fawry For Banking Technology And Electronic Payment ROE % Historical Data

* Premium members only.

The historical data trend for Fawry For Banking Technology And Electronic Payment's ROE % 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.

Fawry For Banking Technology And Electronic Payment ROE % Chart

Fawry For Banking Technology And Electronic Payment Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 16.50 12.45 24.69 38.88 45.58

Fawry For Banking Technology And Electronic Payment Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
ROE % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 47.08 45.90 48.31 46.75 36.98

CAI:FWRY vs MSFT, ORCL, PLTR: ROE % Comparison

For the Software - Infrastructure subindustry, Fawry For Banking Technology And Electronic Payment's ROE %, along with its competitors' market caps and ROE % 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.


Fawry For Banking Technology And Electronic Payment ROE % vs Software Industry

For the Software industry and Technology sector, Fawry For Banking Technology And Electronic Payment's ROE % distribution charts can be found below:

* The bar in red indicates where Fawry For Banking Technology And Electronic Payment's ROE % falls into.


CAI:FWRY
100GF Score
Fawry For Banking Technology And Electronic Payment CAI:FWRY
ROE % is just one metric. See GF Score™, valuation, warning signs, and more.
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Fawry For Banking Technology And Electronic Payment ROE % Calculation

Fawry For Banking Technology And Electronic Payment's annualized ROE % for the fiscal year that ended in Dec. 2025 is calculated as

ROE %=Net Income (A: Dec. 2025 )/( (Total Stockholders Equity (A: Dec. 2024 )+Total Stockholders Equity (A: Dec. 2025 ))/ count )
=2889.189/( (4947.156+7730.539)/ 2 )
=2889.189/6338.8475
=45.58 %

Fawry For Banking Technology And Electronic Payment's annualized ROE % for the quarter that ended in Mar. 2026 is calculated as

ROE %=Net Income (Q: Mar. 2026 )/( (Total Stockholders Equity (Q: Dec. 2025 )+Total Stockholders Equity (Q: Mar. 2026 ))/ count )
=2997.356/( (7730.539+8481.31)/ 2 )
=2997.356/8105.9245
=36.98 %

* 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 ROE %, the net income of the last fiscal year and the average total shareholder 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. ROE % is displayed in the 30-year financial page.

Frequently Asked Questions Learn more about ROE % →
What does a ROE % of 36.98% mean?
Fawry For Banking Technology And Electronic Payment (CAI:FWRY) has a ROE % of 36.98% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Fawry For Banking Technology And Electronic Payment and its competitors. This is 69% above median its historical median of 21.83. Over the past decade, Fawry For Banking Technology And Electronic Payment's ROE % has ranged from 12.18 to 45.58. According to the industry distribution chart, Fawry For Banking Technology And Electronic Payment ranks #150 out of 2679 companies in the Software industry, placing it in the top 5.6%.
Is Fawry For Banking Technology And Electronic Payment's ROE % too high?
Fawry For Banking Technology And Electronic Payment's current ROE % of 36.98% is 69% above median its 10-year median of 21.83. Over the past 10 years, this metric has ranged from a low of 12.18 to a high of 45.58. The Software industry median ROE % is 4.68. Fawry For Banking Technology And Electronic Payment's value of 36.98% is 690.2% above this industry median. Based on the distribution chart, Fawry For Banking Technology And Electronic Payment ranks #150 out of 2679 companies in the Software industry, which is in the top quartile — a strong position relative to peers. Overall, Fawry For Banking Technology And Electronic Payment has a GF Score™ of 100/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Fawry For Banking Technology And Electronic Payment's ROE % compare to MSFT and ORCL?
According to the Software industry distribution chart, Fawry For Banking Technology And Electronic Payment ranks #150 out of 2679 companies for ROE %. This places Fawry For Banking Technology And Electronic Payment in the top 6% of its industry — outperforming the majority of peers. The industry median ROE % is 4.68. Fawry For Banking Technology And Electronic Payment's value of 36.98% is 690.2% above this benchmark. Historically, Fawry For Banking Technology And Electronic Payment's own ROE % has ranged from 12.18 to 45.58 over the past decade. While the company's 10-year median is 21.83 vs. the industry median of 4.68, Fawry For Banking Technology And Electronic Payment 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 ROE % for a Software company?
The median ROE % among Software companies is 4.68, based on 2,679 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Fawry For Banking Technology And Electronic Payment's current ROE % of 36.98% is 690.2% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Fawry For Banking Technology And Electronic Payment and its competitors. For the Software industry, the median ROE % is 4.68 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Fawry For Banking Technology And Electronic Payment's current ROE % is 36.98%, which is 69% above median its own 10-year median of 21.83. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Fawry For Banking Technology And Electronic Payment stock overvalued right now?
Based on GuruFocus' analysis, Fawry For Banking Technology And Electronic Payment (CAI:FWRY) is currently considered Fairly Valued. The stock's GF Value™ is E£19.70, compared to a current price of E£18.70 — trading 5.1% below its estimated fair value. The current ROE % is 36.98%, which is 69% above median its 10-year median of 21.83 and 690.2% above the Software industry median of 4.68. Fawry For Banking Technology And Electronic Payment's overall GF Score™ is 100/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % calculated?
ROE % is calculated from a company's financial statements. For Fawry For Banking Technology And Electronic Payment (CAI:FWRY), the current ROE % is 36.98% 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 Fawry For Banking Technology And Electronic Payment (CAI:FWRY) Overvalued in 2026?

Based on GuruFocus' analysis, Fawry For Banking Technology And Electronic Payment stock appears to be undervalued. The current stock price of E£18.70 is trading 5.1% below its estimated GF Value™ of E£19.70. GuruFocus considers Fawry For Banking Technology And Electronic Payment to be Fairly Valued.

Key valuation signals for CAI:FWRY:

  • ROE %: 36.98% (69% above median its 10-year median of 21.83)
  • GF Value™: E£19.70 vs. price of E£18.70 (5.1% below fair value)
  • GF Score™: 100/100 with 4 warning signs
  • Industry Position: 690.2% above the Software median (#150 of 2679)

No single metric tells the full story. See the CAI:FWRY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Fawry For Banking Technology And Electronic Payment Business Description

Address Smart Village, Building 221, Floor 12, Financial district, Cairo, EGY
Fawry For Banking Technology And Electronic Payment is engaged in providing operation services specialized in systems and communications, management, operating and maintenance of equipment's and computers networks services and internal systems of banks, networks, and centralized systems, establish operating systems for banking services through the internet, phone and e-payment services and circulation of secured documents electronically, and renting properties.
100GF Score

Get the complete analysis for CAI:FWRY

ROE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

E£18.70
Price
E£19.70
GF Value