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Commercial International Bank Egypt (CIB) S.A.E.CASE:COMI Stock Report

Market Cap ج.م314.3b
Share Price
ج.م103.29
My Fair Value
ج.م129.45
20.2% undervalued intrinsic discount
1Y21.5%
7D5.9%
Portfolio Value
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Commercial International Bank Egypt (CIB) S.A.E.

CASE:COMI Stock Report

Market Cap: ج.م314.3b

Commercial International Bank Egypt (CIB)E (COMI) Stock Overview

Commercial International Bank Egypt (CIB) S.A.E. More details

COMI fundamental analysis
Snowflake Score
Valuation1/6
Future Growth1/6
Past Performance6/6
Financial Health5/6
Dividends0/6

Rewards

Price-To-Earnings ratio (5.8x) is below the EG market (11.1x)

Earnings grew by 44.4% over the past year

Risk Analysis

No risks detected for COMI from our risk checks.

COMI Community Fair Values

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See what 40 others think this stock is worth. Follow their fair value or set your own to get alerts.

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Commercial International Bank Egypt (CIB)E

Egypt's Expanding Middle Class And Digitization Will Accelerate Banking Demand

Key Takeaways Digital expansion and innovative products position CIB for sustainable growth, outperforming market expectations in retail loans, fee income, and deposit acquisition. Operational transformation and capital strength underpin long-term profitability, enabling superior cost efficiency, special dividends, and strategic market moves.
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ج.م165
FV
37.4% undervalued intrinsic discount
15.78%
Revenue growth p.a.
1users have liked this narrative
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0users have followed this narrative
23 days ago author updated this narrative
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Commercial International Bank Egypt (CIB)E

Digital Adoption Will Transform Egypt's Banking Landscape

Key Takeaways Strong digital transformation and demographic trends are expanding CIB's customer base, lowering costs, and supporting sustainable growth in fees and loans. Solid capital position, diversified lending, and enhanced collaboration are boosting resilience and earnings quality as the bank targets new market opportunities.
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ج.م129.45
FV
20.2% undervalued intrinsic discount
9.88%
Revenue growth p.a.
0users have liked this narrative
0users have commented on this narrative
24users have followed this narrative
Updated narrative
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Commercial International Bank Egypt (CIB)E

Egypt's Inflation Will Squeeze Margins Yet Digital Trends Offer Promise

Key Takeaways Inflation, currency depreciation, and high interest rates threaten asset values, margins, and USD profitability, despite loan growth and infrastructural support. Digitization and fintech competition may disrupt CIB's market share and revenue growth, while informality hampers financial inclusion and customer acquisition.
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ج.م111
FV
6.9% undervalued intrinsic discount
7.81%
Revenue growth p.a.
0users have liked this narrative
0users have commented on this narrative
0users have followed this narrative
23 days ago author updated this narrative
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Commercial International Bank Egypt (CIB) S.A.E. Competitors

Price History & Performance

Summary of share price highs, lows and changes for Commercial International Bank Egypt (CIB)E
Historical stock prices
Current Share Priceج.م103.29
52 Week Highج.م103.40
52 Week Lowج.م73.00
Beta0.32
1 Month Change7.59%
3 Month Change24.00%
1 Year Change21.52%
3 Year Change295.29%
5 Year Change203.08%
Change since IPO12,062.87%

Recent News & Updates

User avatar

Increasing CASA Deposits And SME Lending Expansion To Boost Profitability And Revenue Growth

Strategic cost management and enhanced efficiency are expected to improve net margins and support sustained earnings growth.

Recent updates

User avatar

Increasing CASA Deposits And SME Lending Expansion To Boost Profitability And Revenue Growth

Strategic cost management and enhanced efficiency are expected to improve net margins and support sustained earnings growth.

Shareholder Returns

COMIEG BanksEG Market
7D5.9%4.7%2.9%
1Y21.5%16.5%13.0%

Return vs Industry: COMI exceeded the EG Banks industry which returned 16.5% over the past year.

Return vs Market: COMI exceeded the EG Market which returned 13% over the past year.

Price Volatility

Is COMI's price volatile compared to industry and market?
COMI volatility
COMI Average Weekly Movement3.1%
Banks Industry Average Movement2.6%
Market Average Movement4.8%
10% most volatile stocks in EG Market11.1%
10% least volatile stocks in EG Market2.7%

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

Volatility Over Time: COMI's weekly volatility (3%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
19758,403Amin Ezz Al-Arabwww.cibeg.com

Commercial International Bank Egypt (CIB) S.A.E. provides retail, corporate, and investment banking services in Egypt. The company operates through Corporate Banking & SME’s; Investment; Retail Banking; and Assets and Liabilities Management segments. It offers current and saving accounts, business accounts, time deposits, and certificate of deposits; and personal, educational, solar, travel, car finance, consumer, and SME loans, as well as overdraft, mortgage, and revolving overdraft salary upfront services.

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

How do Commercial International Bank Egypt (CIB)E's earnings and revenue compare to its market cap?
COMI fundamental statistics
Market capج.م314.33b
Earnings (TTM)ج.م54.54b
Revenue (TTM)ج.م111.86b
5.8x
P/E Ratio
1.8x
P/B Ratio

Is COMI overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
COMI income statement (TTM)
Revenueج.م111.86b
Cost of Revenueج.م0
Gross Profitج.م111.86b
Other Expensesج.م57.32b
Earningsج.م54.54b

Last Reported Earnings

Jun 30, 2025

Next Earnings Date

n/a

Earnings per share (EPS)17.92
Gross Margin100.00%
Net Profit Margin48.76%
Debt/Equity Ratio20.7%

How did COMI perform over the long term?

See historical performance and comparison

Dividends

0.5%
Current Dividend Yield
4%
Payout Ratio

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/10/04 07:21
End of Day Share Price 2025/10/02 00:00
Earnings2025/06/30
Annual Earnings2024/12/31

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.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* 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.

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 Github.

Analyst Sources

Commercial International Bank Egypt (CIB) S.A.E. is covered by 29 analysts. 8 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Ranya GnabaAlphaMena
Hany AmerArab African International Securities
Heba MonirArab African International Securities