e-finance for Digital and Financial Investments S.A.E.

CASE:EFIH Stock Report

Market Cap: ج.م50.0b

e-finance for Digital and Financial InvestmentsE Valuation

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

Valuation Score

0/6

Valuation Score 0/6

  • 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 EFIH when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: EFIH (EGP21.75) is trading above our estimate of fair value (EGP0.64)

Significantly Below Fair Value: EFIH is trading above our estimate of fair value.

Key Valuation Metric

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

Other financial metrics that can be useful for relative valuation.

EFIH key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenue10.9x
Enterprise Value/EBITDA32.7x
PEG Ratio1.4x

Price to Earnings Ratio vs Peers

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

The above table shows the PE ratio for EFIH vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average12.1x
FWRY Fawry for Banking Technology and Electronic PaymentsE
29.8x28.7%ج.م28.8b
EXPA Export Development Bank of Egypt (S.A.E.)
4.1xn/aج.م18.6b
HRHO EFG Holding
8.3x12.2%ج.م31.9b
EKHO Egypt Kuwait Holding Company (S.A.E.)
6.1x15.8%US$891.0m
EFIH e-finance for Digital and Financial InvestmentsE
47.3x32.7%ج.م50.0b

Price-To-Earnings vs Peers: EFIH is expensive based on its Price-To-Earnings Ratio (47.3x) compared to the peer average (12.1x).

Price to Earnings Ratio vs Industry

How does EFIH's PE Ratio compare vs other companies in the African Diversified Financial Industry?

0 CompaniesPrice / EarningsEstimated GrowthMarket Cap
Industry Avg.n/a13.0%
 n/an/an/a
No. of CompaniesPE048121620

Fetching data

0 CompaniesPrice / EarningsEstimated GrowthMarket Cap
Industry Avg.n/a13.0%
 n/an/an/a
No more companies

Price-To-Earnings vs Industry: EFIH is expensive based on its Price-To-Earnings Ratio (47.3x) compared to the African Diversified Financial industry average (8.8x).

Price to Earnings Ratio vs Fair Ratio

What is EFIH'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.

EFIH PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio47.3x
Fair PE Ratio20x

Price-To-Earnings vs Fair Ratio: EFIH is expensive based on its Price-To-Earnings Ratio (47.3x) compared to the estimated Fair Price-To-Earnings Ratio (20x).

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 EFIH forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
Currentج.م21.75
ج.م24.99
+14.9%
17.5%ج.م28.28ج.م18.80n/a3
Nov ’25ج.م21.49
ج.م24.99
+16.3%
17.5%ج.م28.28ج.م18.80n/a3
Oct ’25ج.م23.25
ج.م23.54
+1.2%
20.1%ج.م28.28ج.م18.80n/a2
Jul ’25ج.م21.28
ج.م18.85
-11.4%
0.4%ج.م18.96ج.م18.80n/a3
Jun ’25ج.م19.39
ج.م18.85
-2.8%
0.4%ج.م18.96ج.م18.80n/a3
May ’25ج.م18.97
ج.م18.85
-0.6%
0.4%ج.م18.96ج.م18.80n/a3
Apr ’25ج.م18.47
ج.م18.85
+2.1%
0.4%ج.م18.96ج.م18.80n/a3
Mar ’25ج.م17.25
ج.م18.85
+9.3%
0.4%ج.م18.96ج.م18.80n/a3
Feb ’25ج.م14.22
ج.م18.85
+32.5%
0.4%ج.م18.96ج.م18.80n/a3
Jan ’25ج.م14.00
ج.م18.68
+33.4%
1.6%ج.م18.96ج.م18.16n/a4
Dec ’24ج.م14.18
ج.م18.59
+31.1%
1.6%ج.م18.80ج.م18.16n/a3
Nov ’24ج.م14.54
ج.م18.59
+27.9%
1.6%ج.م18.80ج.م18.16ج.م21.493
Oct ’24ج.م14.62
ج.م18.59
+27.2%
1.6%ج.م18.80ج.م18.16ج.م23.253
Sep ’24ج.م14.02
ج.م18.59
+32.6%
1.6%ج.م18.80ج.م18.16ج.م23.203
Aug ’24ج.م14.34
ج.م18.48
+28.8%
1.7%ج.م18.80ج.م18.16ج.م25.212
Jul ’24ج.م13.65
ج.م18.48
+35.4%
1.7%ج.م18.80ج.م18.16ج.م21.282
Apr ’24ج.م13.79
ج.م17.92
+29.9%
4.9%ج.م18.80ج.م17.04ج.م18.472
Mar ’24ج.م14.88
ج.م17.92
+20.4%
4.9%ج.م18.80ج.م17.04ج.م17.252
Feb ’24ج.م14.00
ج.م17.92
+28.0%
4.9%ج.م18.80ج.م17.04ج.م14.222
Jan ’24ج.م15.21
ج.م17.92
+17.8%
4.9%ج.م18.80ج.م17.04ج.م14.002
Dec ’23ج.م14.37
ج.م17.62
+22.7%
3.3%ج.م18.21ج.م17.04ج.م14.182
Nov ’23ج.م12.82
ج.م17.62
+37.5%
3.3%ج.م18.21ج.م17.04ج.م14.542

Analyst Forecast: Target price is less than 20% higher than the current share price.

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