UBEE Stock Overview

Provides commercial and Islamic banking services in Egypt. More details

UBEE fundamental analysis
Snowflake Score
Valuation	0/6
Future Growth	5/6
Past Performance	4/6
Financial Health	5/6
Dividends	0/6

Rewards

Price-To-Earnings ratio (6.9x) is below the EG market (8.9x)

Earnings are forecast to grow 23.07% per year

Earnings have grown 18.5% per year over the past 5 years

Risk Analysis

Highly volatile share price over the past 3 months compared to the EG market

My Notes

Capture your thoughts, links and company narrative

The United Bank Competitors

Faisal Islamic Bank of Egypt

CASE:FAITA

US$592.3m

Abu Dhabi Islamic Bank - Egypt -E

CASE:ADIB

ج.م23.1b

Suez Canal Bank (S.A.E)

CASE:CANA

ج.م11.0b

Credit Agricole - Egypt Bank (S.A.E.)

CASE:CIEB

ج.م23.4b

Price History & Performance

Summary of share price highs, lows and changes for United Bank
Historical stock prices
Current Share Price	ج.م14.43
52 Week High	ج.م15.23
52 Week Low	ج.م13.67
Beta	0
1 Month Change	0.21%
3 Month Change	188.60%
1 Year Change	n/a
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	188.60%

Recent updates

Shareholder Returns

	UBEE	EG Banks	EG Market
7D	0%	1.4%	-1.0%
1Y	n/a	-4.4%	6.0%

Return vs Industry: Insufficient data to determine how UBEE performed against the EG Banks industry.

Return vs Market: Insufficient data to determine how UBEE performed against the EG Market.

Price Volatility

Is UBEE's price volatile compared to industry and market?
UBEE volatility
UBEE Average Weekly Movement	56.0%
Banks Industry Average Movement	3.0%
Market Average Movement	5.1%
10% most volatile stocks in EG Market	8.1%
10% least volatile stocks in EG Market	3.0%

Stable Share Price: UBEE's share price has been volatile over the past 3 months compared to the EG market.

Volatility Over Time: Insufficient data to determine UBEE's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
2006	1,660	Ashraf Abdel Fattah ElKady	www.theubeg.com

The United Bank provides commercial and Islamic banking services in Egypt. The company offers current, savings, and investment accounts; time and fixed time deposit; EGP and USD certificates; debit, prepaid, and credit cards. It also provides loans, including educational, car, mortgage, personal, and Intalaka microfinance, as well as syndication loans.

The United Bank Fundamentals Summary

How do United Bank's earnings and revenue compare to its market cap?
UBEE fundamental statistics
Market cap	ج.م15.87b
Earnings (TTM)	ج.م2.31b
Revenue (TTM)	ج.م5.21b

6.9x

P/E Ratio

1.2x

P/B Ratio

Is UBEE overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
UBEE income statement (TTM)
Revenue	ج.م5.21b
Cost of Revenue	ج.م0
Gross Profit	ج.م5.21b
Other Expenses	ج.م2.90b
Earnings	ج.م2.31b

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	2.10
Gross Margin	100.00%
Net Profit Margin	44.37%
Debt/Equity Ratio	44.4%

How did UBEE perform over the long term?

See historical performance and comparison

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/02/06 22:52
End of Day Share Price	2025/02/06 00:00
Earnings	2024/09/30
Annual Earnings	2023/12/31

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.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* 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

The United Bank is covered by 1 analysts. 1 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
Sherif El Etr	CI Capital Research

United Bank CASE:UBEE Stock Report