Abu Dhabi Islamic Bank - Egypt S.A.E. provides various banking products and services to individuals and corporates in Egypt and internationally.
Price History & Performance
|Historical stock prices|
|Current Share Price||ج.م15.27|
|52 Week High||ج.م10.00|
|52 Week Low||ج.م19.00|
|1 Month Change||17.37%|
|3 Month Change||34.66%|
|1 Year Change||36.46%|
|3 Year Change||25.37%|
|5 Year Change||362.73%|
|Change since IPO||-25.53%|
Recent News & Updates
|ADIB||EG Banks||EG Market|
Return vs Industry: ADIB exceeded the EG Banks industry which returned 3.4% over the past year.
Return vs Market: ADIB exceeded the EG Market which returned 9.2% over the past year.
Stable Share Price: ADIB is more volatile than 75% of EG stocks over the past 3 months, typically moving +/- 10% a week.
Volatility Over Time: ADIB's weekly volatility (10%) has been stable over the past year, but is still higher than 75% of EG stocks.
About the Company
Abu Dhabi Islamic Bank - Egypt S.A.E. provides various banking products and services to individuals and corporates in Egypt and internationally. The company operates through Corporates, Investment, Retail, and Other Activities segments. It offers personal banking solutions comprising current, tiered monthly saving, investment, charitable, and saving accounts; prepaid, credit, cash back, and debit cards; El Yosr finance, and auto and used auto Murabaha solutions; real estate finance; investment, bancassurance, and insurance products; and wealth management, and internet and mobile banking services.
Abu Dhabi Islamic Bank - EgyptE Fundamentals Summary
|ADIB fundamental statistics|
Is ADIB overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|ADIB income statement (TTM)|
|Cost of Revenue||ج.م0|
Last Reported Earnings
Jun 30, 2021
Next Earnings Date
|Earnings per share (EPS)||6.71|
|Net Profit Margin||37.99%|
How did ADIB perform over the long term?See historical performance and comparison
Is Abu Dhabi Islamic Bank - EgyptE undervalued compared to its fair value and its price relative to the market?
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: ADIB (EGP15.27) is trading below our estimate of fair value (EGP63.22)
Significantly Below Fair Value: ADIB is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: ADIB is good value based on its PE Ratio (2.3x) compared to the EG Banks industry average (4x).
PE vs Market: ADIB is good value based on its PE Ratio (2.3x) compared to the EG market (11.6x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate ADIB's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: ADIB's PB Ratio (0.5x) is in line with the EG Banks industry average.
How is Abu Dhabi Islamic Bank - EgyptE forecast to perform in the next 1 to 3 years based on estimates from 3 analysts?
Forecasted annual revenue growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: Insufficient data to determine if ADIB's forecast earnings growth is above the savings rate (9.1%).
Earnings vs Market: Insufficient data to determine if ADIB's earnings are forecast to grow faster than the EG market
High Growth Earnings: Insufficient data to determine if earnings are expected to grow significantly over the next 3 years.
Revenue vs Market: ADIB's revenue (14.3% per year) is forecast to grow faster than the EG market (9.9% per year).
High Growth Revenue: ADIB's revenue (14.3% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: ADIB's Return on Equity is forecast to be low in 3 years time (19.7%).
How has Abu Dhabi Islamic Bank - EgyptE performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: ADIB has a high level of non-cash earnings.
Growing Profit Margin: ADIB's current net profit margins (38%) are higher than last year (33.9%).
Past Earnings Growth Analysis
Earnings Trend: ADIB's earnings have grown significantly by 24.9% per year over the past 5 years.
Accelerating Growth: ADIB's earnings growth over the past year (22.1%) is below its 5-year average (24.9% per year).
Earnings vs Industry: ADIB earnings growth over the past year (22.1%) exceeded the Banks industry 0.2%.
Return on Equity
High ROE: ADIB's Return on Equity (22.2%) is considered high.
How is Abu Dhabi Islamic Bank - EgyptE's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: ADIB's Assets to Equity ratio (12.8x) is moderate.
Allowance for Bad Loans: ADIB has a sufficient allowance for bad loans (169%).
Low Risk Liabilities: 92% of ADIB's liabilities are made up of primarily low risk sources of funding.
Loan Level: ADIB has an appropriate level of Loans to Assets ratio (54%).
Low Risk Deposits: ADIB's Loans to Deposits ratio (64%) is appropriate.
Level of Bad Loans: ADIB has a high level of bad loans (2.1%).
What is Abu Dhabi Islamic Bank - EgyptE current dividend yield, its reliability and sustainability?
Forecast Dividend Yield
Dividend Yield vs Market
Notable Dividend: Unable to evaluate ADIB's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate ADIB's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if ADIB's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if ADIB's dividend payments have been increasing.
Current Payout to Shareholders
Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of ADIB's dividend in 3 years as they are not forecast to pay a notable one for the EG market.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Professor Mohamed Aly has been the Chief Executive Officer, Managing Director and Director of Abu Dhabi Islamic Bank - Egypt (S.A.E) since December 07, 2017. He has years of international expertise in the...
Experienced Management: ADIB's management team is considered experienced (3.3 years average tenure).
Experienced Board: ADIB's board of directors are considered experienced (4.4 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Abu Dhabi Islamic Bank - Egypt S.A.E.'s employee growth, exchange listings and data sources
- Name: Abu Dhabi Islamic Bank - Egypt S.A.E.
- Ticker: ADIB
- Exchange: CASE
- Founded: NaN
- Industry: Diversified Banks
- Sector: Banks
- Market Cap: ج.م3.054b
- Shares outstanding: 200.00m
- Website: https://www.adib.eg
Number of Employees
- Abu Dhabi Islamic Bank - Egypt S.A.E.
- 9 Rustom Street
- Garden City
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/10/21 14:31|
|End of Day Share Price||2021/10/20 00:00|
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.