FRA:CIN's ROE % is ranked better than 99.08% of 1524
companies
in the Banks industry
Industry Median: 10.22
vs FRA:CIN: 42.12
Commercial International Bank (Egypt) CIB (FRA:CIN) 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:
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.
Commercial International Bank (Egypt) CIB ROE % Related Terms
Commercial International Bank (Egypt) CIB ROE % 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 ROE % Chart
Commercial International Bank (Egypt) CIB Annual Data
Commercial International Bank (Egypt) CIB ROE % Competitor Comparison
For the Banks - Regional subindustry, Commercial International Bank (Egypt) CIB'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.
Commercial International Bank (Egypt) CIB ROE % 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 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.
Commercial International Bank (Egypt) CIB (FRA:CIN) has a ROE % of 31.85% 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 Commercial International Bank (Egypt) CIB and its competitors. This is near median its historical median of 30.38. Over the past decade, Commercial International Bank (Egypt) CIB's ROE % has ranged from 18.39 to 45.41. According to the industry distribution chart, Commercial International Bank (Egypt) CIB ranks #14 out of 1524 companies in the Banks industry, placing it in the top 0.90000000000001%.
Is Commercial International Bank (Egypt) CIB's ROE % too high?
Commercial International Bank (Egypt) CIB's current ROE % of 31.85% is near median its 10-year median of 30.38. Over the past 10 years, this metric has ranged from a low of 18.39 to a high of 45.41. The Banks industry median ROE % is 10.22. Commercial International Bank (Egypt) CIB's value of 31.85% is 211.6% above this industry median. Based on the distribution chart, Commercial International Bank (Egypt) CIB ranks #14 out of 1524 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 80/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Commercial International Bank (Egypt) CIB's ROE % compare to competitors?
According to the Banks industry distribution chart, Commercial International Bank (Egypt) CIB ranks #14 out of 1524 companies for ROE %. This places Commercial International Bank (Egypt) CIB in the top 1% of its industry — outperforming the majority of peers. The industry median ROE % is 10.22. Commercial International Bank (Egypt) CIB's value of 31.85% is 211.6% above this benchmark. Historically, Commercial International Bank (Egypt) CIB's own ROE % has ranged from 18.39 to 45.41 over the past decade. While the company's 10-year median is 30.38 vs. the industry median of 10.22, 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.22, based on 1,524 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. Commercial International Bank (Egypt) CIB's current ROE % of 31.85% is 211.6% 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 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 Commercial International Bank (Egypt) CIB and its competitors. For the Banks industry, the median ROE % is 10.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Commercial International Bank (Egypt) CIB's current ROE % is 31.85%, which is near median its own 10-year median of 30.38. 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 (FRA:CIN) is currently considered Fairly Valued. The stock's GF Value™ is €2.24, compared to a current price of €2.18 — trading 2.7% below its estimated fair value. The current ROE % is 31.85%, which is near median its 10-year median of 30.38 and 211.6% above the Banks industry median of 10.22. Commercial International Bank (Egypt) CIB's overall GF Score™ is 80/100 with 6 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 Commercial International Bank (Egypt) CIB (FRA:CIN), the current ROE % 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 (FRA:CIN) Overvalued in 2026?
Based on GuruFocus' analysis, Commercial International Bank (Egypt) CIB stock appears to be undervalued.
The current stock price of €2.18 is trading 2.7% below its estimated GF Value™ of €2.24.
GuruFocus considers Commercial International Bank (Egypt) CIB to be Fairly Valued.
Key valuation signals for FRA:CIN:
ROE %: 31.85% (near median its 10-year median of 30.38)
GF Value™: €2.24 vs. price of €2.18 (2.7% below fair value)
Industry Position: 211.6% above the Banks median (#14 of 1524)
No single metric tells the full story. See the FRA:CIN 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.
80GF Score
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