QNB Alahli S.A.E, together with its subsidiaries, provides various banking products and services in Egypt.
No risks detected for QNBA from our risk checks.
QNB AlahliE Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||ج.م16.25|
|52 Week High||ج.م14.80|
|52 Week Low||ج.م18.99|
|1 Month Change||-1.75%|
|3 Month Change||-1.52%|
|1 Year Change||6.98%|
|3 Year Change||-16.86%|
|5 Year Change||68.18%|
|Change since IPO||992.89%|
Recent News & Updates
|QNBA||EG Banks||EG Market|
Return vs Industry: QNBA exceeded the EG Banks industry which returned 3.4% over the past year.
Return vs Market: QNBA underperformed the EG Market which returned 10% over the past year.
Stable Share Price: QNBA is less volatile than 75% of EG stocks over the past 3 months, typically moving +/- 2% a week.
Volatility Over Time: QNBA's weekly volatility (2%) has been stable over the past year.
About the Company
QNB Alahli S.A.E, together with its subsidiaries, provides various banking products and services in Egypt. It operates through Corporate, Individuals, and Other Businesses segments. The company offers current and checking accounts, savings accounts, certificates of deposit, and time deposits; cash, express, durable goods, green, home renovation, freelancer, and education loans; mortgage finance, car loans, salary advances, and cash loans against car license; and credit, debit, and prepaid cards, as well as banking packages.
QNB AlahliE Fundamentals Summary
|QNBA fundamental statistics|
Is QNBA overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|QNBA income statement (TTM)|
|Cost of Revenue||ج.م0|
Last Reported Earnings
Sep 30, 2021
Next Earnings Date
|Earnings per share (EPS)||3.15|
|Net Profit Margin||45.34%|
How did QNBA perform over the long term?See historical performance and comparison
Is QNB AlahliE 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: QNBA (EGP16.25) is trading below our estimate of fair value (EGP29.12)
Significantly Below Fair Value: QNBA is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: QNBA is poor value based on its PE Ratio (5.2x) compared to the EG Banks industry average (4.3x).
PE vs Market: QNBA is good value based on its PE Ratio (5.2x) compared to the EG market (12.2x).
Price to Earnings Growth Ratio
PEG Ratio: QNBA is good value based on its PEG Ratio (0.3x)
Price to Book Ratio
PB vs Industry: QNBA is overvalued based on its PB Ratio (0.8x) compared to the EG Banks industry average (0.6x).
How is QNB AlahliE forecast to perform in the next 1 to 3 years based on estimates from 4 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: QNBA's forecast earnings growth (17.4% per year) is above the savings rate (9.1%).
Earnings vs Market: QNBA's earnings (17.4% per year) are forecast to grow faster than the EG market (14.2% per year).
High Growth Earnings: QNBA's earnings are forecast to grow, but not significantly.
Revenue vs Market: QNBA's revenue (16.4% per year) is forecast to grow faster than the EG market (9.9% per year).
High Growth Revenue: QNBA's revenue (16.4% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: QNBA's Return on Equity is forecast to be low in 3 years time (17.5%).
How has QNB AlahliE performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: QNBA has high quality earnings.
Growing Profit Margin: QNBA's current net profit margins (45.3%) are lower than last year (46.9%).
Past Earnings Growth Analysis
Earnings Trend: QNBA's earnings have grown by 13% per year over the past 5 years.
Accelerating Growth: QNBA's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: QNBA had negative earnings growth (-1.8%) over the past year, making it difficult to compare to the Banks industry average (0.2%).
Return on Equity
High ROE: QNBA's Return on Equity (17.5%) is considered low.
How is QNB AlahliE'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: QNBA's Assets to Equity ratio (7.5x) is low.
Allowance for Bad Loans: QNBA has a sufficient allowance for bad loans (132%).
Low Risk Liabilities: 95% of QNBA's liabilities are made up of primarily low risk sources of funding.
Loan Level: QNBA has an appropriate level of Loans to Assets ratio (50%).
Low Risk Deposits: QNBA's Loans to Deposits ratio (61%) is appropriate.
Level of Bad Loans: QNBA has a high level of bad loans (3.8%).
What is QNB AlahliE current dividend yield, its reliability and sustainability?
Forecast Dividend Yield
Dividend Yield vs Market
Notable Dividend: Unable to evaluate QNBA's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate QNBA'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 QNBA's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if QNBA's dividend payments have been increasing.
Current Payout to Shareholders
Dividend Coverage: QNBA is not paying a notable dividend for the EG market.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of QNBA'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?
Mr. Mohamed Mahmoud Bedeir is Chief Executive Officer & Director of QNB Alahli S.A.E from September 2021.
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.
QNB Alahli S.A.E's employee growth, exchange listings and data sources
- Name: QNB Alahli S.A.E
- Ticker: QNBA
- Exchange: CASE
- Founded: 1978
- Industry: Diversified Banks
- Sector: Banks
- Market Cap: ج.م35.016b
- Shares outstanding: 2.15b
- Website: https://www.qnbalahli.com
Number of Employees
- QNB Alahli S.A.E
- 5 Champlion Street
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/10/18 21:39|
|End of Day Share Price||2021/10/18 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.