alBaraka Bank Egypt S.A.E.

CASE:SAUD Stock Report

Market Cap: ج.م16.7b

alBaraka Bank EgyptE Valuation

Is SAUD undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

2/6

Valuation Score 2/6

  • Below Future Cash Flow Value

  • Significantly Below Future Cash Flow Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Future Cash Flow Value

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

Ultimate guide to DCF valuation for stock investing

Learn how to determine fair value like the best investors in the world.

Below Future Cash Flow Value: SAUD (EGP22.91) is trading above our estimate of future cash flow value (EGP10.49)

Significantly Below Future Cash Flow Value: SAUD is trading above our estimate of future cash flow value.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for SAUD?

Key metric: As SAUD is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for SAUD. This is calculated by dividing SAUD's market cap by their current earnings.
What is SAUD's PE Ratio?
PE Ratio5x
Earningsج.م3.33b
Market Capج.م16.66b

Price to Earnings Ratio vs Peers

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

The above table shows the PE ratio for SAUD vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average5.6x
EGBE Egyptian Gulf Bank (S.A.E)
3.3xn/aUS$233.4m
FAIT Faisal Islamic Bank of Egypt
5.6xn/aج.م29.8b
CIEB Credit Agricole - Egypt Bank (S.A.E.)
4.8x8.60%ج.م29.6b
UBEE United Bank
8.5x43.21%ج.م15.2b
SAUD alBaraka Bank EgyptE
5xn/aج.م16.7b

Price-To-Earnings vs Peers: SAUD is good value based on its Price-To-Earnings Ratio (5x) compared to the peer average (5.6x).

Historical Price to Earnings Ratio

Historical Price to Earnings Ratio compares a stock's price to its earnings over time. Higher ratios indicate that investors are willing to pay more for the stock.

Fetching historical data

Price to Earnings Ratio vs Industry

How does SAUD's PE Ratio compare vs other companies in the African Banks Industry?

0 CompaniesPrice / EarningsEstimated GrowthMarket Cap
SAUD 5.0xIndustry Avg. 10.1xNo. of Companies17PE0612182430+
0 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: SAUD is good value based on its Price-To-Earnings Ratio (5x) compared to the African Banks industry average (10.1x).

Price to Earnings Ratio vs Fair Ratio

What is SAUD'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.

SAUD PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio5x
Fair PE Ration/a

Price-To-Earnings vs Fair Ratio: Insufficient data to calculate SAUD's Price-To-Earnings Fair Ratio for valuation analysis.

Analyst Price Targets

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

The above table shows the analyst SAUD forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
Currentج.م22.91
ج.م19.43
-15.18%
34.09%ج.م27.80ج.م11.60n/a3
May ’27ج.م22.32
ج.م19.43
-12.93%
34.09%ج.م27.80ج.م11.60n/a3
Apr ’27ج.م20.08
ج.م19.43
-3.22%
34.09%ج.م27.80ج.م11.60n/a3
Mar ’27ج.م18.72
ج.م19.43
+3.81%
34.09%ج.م27.80ج.م11.60n/a3
Feb ’27ج.م17.46
ج.م19.43
+11.30%
34.09%ج.م27.80ج.م11.60n/a3
Jan ’27ج.م15.39
ج.م19.43
+26.27%
34.09%ج.م27.80ج.م11.60n/a3
Dec ’26ج.م15.03
ج.م19.70
+31.07%
41.12%ج.م27.80ج.م11.60n/a2
Oct ’26ج.م12.32
ج.م18.30
+48.54%
36.61%ج.م25.00ج.م11.60n/a2
Sep ’26ج.م13.12
ج.م18.30
+39.48%
36.61%ج.م25.00ج.م11.60n/a2
Aug ’26ج.م12.49
ج.م16.00
+28.10%
39.78%ج.م25.00ج.م11.40n/a3
Jul ’26ج.م11.51
ج.م16.00
+39.01%
39.78%ج.م25.00ج.م11.40n/a3
Jun ’26ج.م11.09
ج.م16.00
+44.27%
39.78%ج.م25.00ج.م11.40ج.م22.513
May ’26ج.م11.69
ج.م16.00
+36.87%
39.78%ج.م25.00ج.م11.40ج.م22.323
Apr ’26ج.م12.11
ج.م16.00
+32.12%
39.78%ج.م25.00ج.م11.40ج.م20.083
Mar ’26ج.م11.93
ج.م16.00
+34.12%
39.78%ج.م25.00ج.م11.40ج.م18.723
Feb ’26ج.م11.98
ج.م16.00
+33.56%
39.78%ج.م25.00ج.م11.40ج.م17.463
Jan ’26ج.م12.80
ج.م16.15
+26.15%
38.78%ج.م25.00ج.م11.60ج.م15.393
Dec ’25ج.م13.30
ج.م16.15
+21.40%
38.78%ج.م25.00ج.م11.60ج.م15.033
Nov ’25ج.م13.91
ج.م11.72
-15.74%
1.02%ج.م11.84ج.م11.60ج.م14.102
Oct ’25ج.م11.77
ج.م11.72
-0.42%
1.02%ج.م11.84ج.م11.60ج.م12.322
Sep ’25ج.م11.20
ج.م11.72
+4.64%
1.02%ج.م11.84ج.م11.60ج.م13.122
Aug ’25ج.م10.86
ج.م11.72
+7.92%
1.02%ج.م11.84ج.م11.60ج.م12.492
ج.م19.43
Fair Value
17.9% overvalued intrinsic discount
3
Number of Analysts

Analyst Forecast: Target price is lower than the current share price.

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/06/07 11:21
End of Day Share Price 2026/06/04 00:00
Earnings2026/03/31
Annual Earnings2025/12/31

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

alBaraka Bank Egypt S.A.E. is covered by 5 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Jaap MeijerArqaam Capital Research Offshore S.A.L.
Abanob MagdyBeltone Financial
Elena Sanchez-CabezudoEFG-Hermes Research