Commercial International Bank (Egypt)E Valuation
Is COMI undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score
1/6Valuation Score 1/6
Below Fair Value
Significantly Below Fair Value
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Analyst Forecast
Share Price vs Fair Value
What is the Fair Price of COMI when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: COMI (EGP74.2) is trading below our estimate of fair value (EGP89.32)
Significantly Below Fair Value: COMI is trading below fair value, but not by a significant amount.
Key Valuation Metric
Which metric is best to use when looking at relative valuation for COMI?
Other financial metrics that can be useful for relative valuation.
| What is COMI's n/a Ratio? | |
|---|---|
| n/a | 0x |
| n/a | n/a |
| Market Cap | ج.م224.05b |
| Key Statistics | |
|---|---|
| Enterprise Value/Revenue | n/a |
| Enterprise Value/EBITDA | n/a |
| PEG Ratio | 0.5x |
Price to Earnings Ratio vs Peers
How does COMI's PE Ratio compare to its peers?
| Company | Forward PE | Estimated Growth | Market Cap |
|---|---|---|---|
| Peer Average | 4x | ||
QNBA QNB AlahliE | 4.1x | 18.3% | ج.م67.5b |
HDBK Housing and Development Bank- Egypt (S.A.E) | 3.6x | 4.8% | ج.م23.3b |
CIEB Credit Agricole - Egypt Bank (S.A.E.) | 4.5x | 11.3% | ج.م23.4b |
ADIB Abu Dhabi Islamic Bank - Egypt -E | 3.8x | 12.2% | ج.م17.8b |
COMI Commercial International Bank (Egypt)E | 8.7x | 18.9% | ج.م224.0b |
Price-To-Earnings vs Peers: COMI is expensive based on its Price-To-Earnings Ratio (8.7x) compared to the peer average (4x).
Price to Earnings Ratio vs Industry
How does COMI's PE Ratio compare vs other companies in the African Banks Industry?
Price-To-Earnings vs Industry: COMI is expensive based on its Price-To-Earnings Ratio (8.7x) compared to the African Banks industry average (5.4x).
Price to Earnings Ratio vs Fair Ratio
What is COMI'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.
| Fair Ratio | |
|---|---|
| Current PE Ratio | 8.7x |
| Fair PE Ratio | 6x |
Price-To-Earnings vs Fair Ratio: COMI is expensive based on its Price-To-Earnings Ratio (8.7x) compared to the estimated Fair Price-To-Earnings Ratio (6x).
Analyst Price Targets
What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?
| Date | Share Price | Average 1Y Price Target | Dispersion | High | Low | 1Y Actual price | Analysts |
|---|---|---|---|---|---|---|---|
| Current | ج.م74.20 | ج.م101.74 +37.1% | 18.6% | ج.م120.00 | ج.م55.00 | n/a | 11 |
| Apr ’25 | ج.م82.00 | ج.م97.46 +18.9% | 20.1% | ج.م120.00 | ج.م55.00 | n/a | 11 |
| Mar ’25 | ج.م73.10 | ج.م80.76 +10.5% | 26.7% | ج.م116.10 | ج.م49.44 | n/a | 11 |
| Feb ’25 | ج.م85.00 | ج.م65.10 -23.4% | 16.5% | ج.م86.40 | ج.م49.44 | n/a | 11 |
| Jan ’25 | ج.م72.65 | ج.م65.01 -10.5% | 16.6% | ج.م86.40 | ج.م49.44 | n/a | 11 |
| Dec ’24 | ج.م77.20 | ج.م60.95 -21.0% | 15.1% | ج.م77.80 | ج.م49.00 | n/a | 12 |
| Nov ’24 | ج.م61.10 | ج.م57.64 -5.7% | 15.4% | ج.م73.00 | ج.م43.26 | n/a | 12 |
| Oct ’24 | ج.م60.49 | ج.م57.77 -4.5% | 15.0% | ج.م73.00 | ج.م44.84 | n/a | 12 |
| Sep ’24 | ج.م57.00 | ج.م56.39 -1.1% | 13.7% | ج.م69.50 | ج.م44.84 | n/a | 11 |
| Aug ’24 | ج.م50.80 | ج.م54.93 +8.1% | 14.9% | ج.م69.50 | ج.م44.84 | n/a | 12 |
| Jul ’24 | ج.م51.00 | ج.م53.53 +5.0% | 15.3% | ج.م68.60 | ج.م38.62 | n/a | 13 |
| Jun ’24 | ج.م52.60 | ج.م54.02 +2.7% | 17.2% | ج.م68.30 | ج.م33.24 | n/a | 14 |
| May ’24 | ج.م53.00 | ج.م52.61 -0.7% | 16.8% | ج.م66.00 | ج.م33.24 | n/a | 14 |
| Apr ’24 | ج.م51.01 | ج.م52.56 +3.0% | 17.0% | ج.م66.00 | ج.م33.24 | ج.م82.00 | 14 |
| Mar ’24 | ج.م54.15 | ج.م48.70 -10.1% | 17.7% | ج.م65.00 | ج.م33.24 | ج.م73.10 | 15 |
| Feb ’24 | ج.م50.10 | ج.م44.66 -10.9% | 11.6% | ج.م53.20 | ج.م33.24 | ج.م85.00 | 13 |
| Jan ’24 | ج.م41.48 | ج.م43.87 +5.8% | 13.3% | ج.م53.20 | ج.م33.24 | ج.م72.65 | 13 |
| Dec ’23 | ج.م41.40 | ج.م41.63 +0.6% | 10.4% | ج.م49.54 | ج.م33.24 | ج.م77.20 | 13 |
| Nov ’23 | ج.م32.50 | ج.م38.01 +16.9% | 12.9% | ج.م49.54 | ج.م30.70 | ج.م61.10 | 13 |
| Oct ’23 | ج.م25.13 | ج.م38.71 +54.1% | 13.9% | ج.م49.54 | ج.م30.70 | ج.م60.49 | 13 |
| Sep ’23 | ج.م25.36 | ج.م39.45 +55.6% | 14.3% | ج.م49.54 | ج.م30.70 | ج.م57.00 | 13 |
| Aug ’23 | ج.م25.25 | ج.م39.74 +57.4% | 14.4% | ج.م49.54 | ج.م30.70 | ج.م50.80 | 13 |
| Jul ’23 | ج.م24.78 | ج.م41.51 +67.5% | 11.0% | ج.م49.55 | ج.م30.70 | ج.م51.00 | 12 |
| Jun ’23 | ج.م27.25 | ج.م43.41 +59.3% | 6.8% | ج.م49.55 | ج.م38.21 | ج.م52.60 | 15 |
| May ’23 | ج.م29.78 | ج.م43.45 +45.9% | 6.6% | ج.م49.55 | ج.م38.21 | ج.م53.00 | 16 |
| Apr ’23 | ج.م30.70 | ج.م45.42 +47.9% | 7.2% | ج.م53.24 | ج.م40.55 | ج.م51.01 | 15 |
Analyst Forecast: Target price is more than 20% higher than the current share price, but analysts are not within a statistically confident range of agreement.