How does CIN0's PE Ratio compare to its peers?

CIN0 is good value based on its Price-To-Earnings Ratio (5.8x) compared to the peer average (9.6x).

How does CIN0's PE Ratio compare vs other companies in the European Banks Industry?

CIN0 is good value based on its Price-To-Earnings Ratio (5.8x) compared to the European Banks industry average (7.7x).

What is CIN0's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

CIN0 is good value based on its Price-To-Earnings Ratio (5.8x) compared to the estimated Fair Price-To-Earnings Ratio (11.7x).

What is the Fair Price of CIN0 when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

CIN0 (€1.31) is trading below our estimate of [[fair value]] (€2.44)

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Insufficient data to show price forecast.

CIN0 Stock Overview

Provides retail, corporate, and investment banking services in Egypt. More details

CIN0 fundamental analysis
Snowflake Score
Valuation	5/6
Future Growth	3/6
Past Performance	6/6
Financial Health	5/6
Dividends	0/6

Rewards

Trading at 46.3% below our estimate of its fair value

Earnings are forecast to grow 13.17% per year

Earnings grew by 91% over the past year

Trading at good value compared to peers and industry

Risk Analysis

No risks detected for CIN0 from our risk checks.

My Notes

Capture your thoughts, links and company narrative

Commercial International Bank (Egypt) S.A.E Competitors

Commerzbank

XTRA:CBK

€18.4b

ProCredit Holding

XTRA:PCZ

€459.4m

Merkur PrivatBank KgaA

XTRA:MBK

€105.0m

MBH Bank Nyrt

BUSE:MBHBANK

Ft2.4t

Price History & Performance

Summary of share price highs, lows and changes for Commercial International Bank (Egypt)E
Historical stock prices
Current Share Price	ج.م1.31
52 Week High	ج.م1.60
52 Week Low	ج.م0.95
Beta	0.56
1 Month Change	1.55%
3 Month Change	0%
1 Year Change	11.02%
3 Year Change	-26.34%
5 Year Change	n/a
Change since IPO	-9.16%

Recent updates

Shareholder Returns

	CIN0	DE Banks	DE Market
7D	3.1%	0.2%	-1.4%
1Y	11.0%	21.4%	8.0%

Return vs Industry: CIN0 underperformed the German Banks industry which returned 21.4% over the past year.

Return vs Market: CIN0 exceeded the German Market which returned 8% over the past year.

Price Volatility

Is CIN0's price volatile compared to industry and market?
CIN0 volatility
CIN0 Average Weekly Movement	4.2%
Banks Industry Average Movement	3.0%
Market Average Movement	4.9%
10% most volatile stocks in DE Market	11.9%
10% least volatile stocks in DE Market	2.5%

Stable Share Price: CIN0 has not had significant price volatility in the past 3 months compared to the German market.

Volatility Over Time: CIN0's weekly volatility (4%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
1975	8,195	Hisham Ezz Al-Arab	www.cibeg.com

Commercial International Bank (Egypt) S.A.E provides retail, corporate, and investment banking services in Egypt. The company operates in four segments: Corporate Banking, Investment, Retail Banking, and Others. It offers current and saving accounts, easy accounts, business accounts, time deposits, and certificates of deposit; and personal/overdraft/mortgage, educational, solar, travel, car finance, and unsecured personal loans, as well as revolving overdraft salary upfront services.

Commercial International Bank (Egypt) S.A.E Fundamentals Summary

How do Commercial International Bank (Egypt)E's earnings and revenue compare to its market cap?
CIN0 fundamental statistics
Market cap	€4.84b
Earnings (TTM)	€833.22m
Revenue (TTM)	€1.90b

5.8x

P/E Ratio

1.8x

P/B Ratio

Is CIN0 overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
CIN0 income statement (TTM)
Revenue	ج.م100.42b
Cost of Revenue	ج.م0
Gross Profit	ج.م100.42b
Other Expenses	ج.م56.44b
Earnings	ج.م43.98b

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	14.45
Gross Margin	100.00%
Net Profit Margin	43.80%
Debt/Equity Ratio	18.3%

How did CIN0 perform over the long term?

See historical performance and comparison

Dividends

0.7%

Current Dividend Yield

4%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/19 01:23
End of Day Share Price	2024/12/19 00:00
Earnings	2024/09/30
Annual Earnings	2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Commercial International Bank (Egypt) S.A.E is covered by 26 analysts. 11 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
Ranya Gnaba	AlphaMena
Hany Amer	Arab African International Securities
Heba Monir	Arab African International Securities

Commercial International Bank (Egypt)E DB:CIN0 Stock Report