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

CASE:EFIH Stock Report

Market Cap: ج.م45.0b

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 (EGP24.49) is trading above our estimate of fair value (EGP0.67)

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/Revenue10x
Enterprise Value/EBITDA27.6x
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 Average10.1x
FWRY Fawry for Banking Technology and Electronic PaymentsE
24x33.0%ج.م19.2b
HRHO EFG Holding
7.4x10.3%ج.م25.4b
EXPA Export Development Bank of Egypt (S.A.E.)
3.6xn/aج.م14.1b
EKHO Egypt Kuwait Holding Company (S.A.E.)
5.5x12.2%US$875.5m
EFIH e-finance for Digital and Financial InvestmentsE
37.3x26.8%ج.م45.0b

Price-To-Earnings vs Peers: EFIH is expensive based on its Price-To-Earnings Ratio (37.3x) compared to the peer average (10.1x).


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/a16.2%
n/an/an/a
No. of CompaniesPE048121620

Fetching data

0 CompaniesPrice / EarningsEstimated GrowthMarket Cap
Industry Avg.n/a16.2%
n/an/an/a
No more companies

Price-To-Earnings vs Industry: EFIH is expensive based on its Price-To-Earnings Ratio (37.3x) compared to the African Diversified Financial industry average (7.4x).


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 Ratio37.3x
Fair PE Ratio20.1x

Price-To-Earnings vs Fair Ratio: EFIH is expensive based on its Price-To-Earnings Ratio (37.3x) compared to the estimated Fair Price-To-Earnings Ratio (20.1x).


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.م24.49
ج.م23.60
-3.6%
0.4%ج.م23.70ج.م23.50n/a2
Jun ’25ج.م24.24
ج.م23.60
-2.6%
0.4%ج.م23.70ج.م23.50n/a2
May ’25ج.م23.71
ج.م23.60
-0.5%
0.4%ج.م23.70ج.م23.50n/a2
Apr ’25ج.م23.09
ج.م23.60
+2.2%
0.4%ج.م23.70ج.م23.50n/a2
Mar ’25ج.م21.56
ج.م23.60
+9.5%
0.4%ج.م23.70ج.م23.50n/a2
Feb ’25ج.م17.78
ج.م23.60
+32.7%
0.4%ج.م23.70ج.م23.50n/a2
Jan ’25ج.م17.50
ج.م23.35
+33.4%
1.6%ج.م23.70ج.م22.70n/a4
Dec ’24ج.م17.72
ج.م23.23
+31.1%
1.6%ج.م23.50ج.م22.70n/a3
Nov ’24ج.م18.17
ج.م23.23
+27.9%
1.6%ج.م23.50ج.م22.70n/a3
Oct ’24ج.م18.27
ج.م23.23
+27.2%
1.6%ج.م23.50ج.م22.70n/a3
Sep ’24ج.م17.52
ج.م23.23
+32.6%
1.6%ج.م23.50ج.م22.70n/a3
Aug ’24ج.م17.93
ج.م23.10
+28.8%
1.7%ج.م23.50ج.م22.70n/a2
Jul ’24ج.م17.06
ج.م23.10
+35.4%
1.7%ج.م23.50ج.م22.70n/a2
Apr ’24ج.م17.24
ج.م22.40
+29.9%
4.9%ج.م23.50ج.م21.30ج.م23.092
Mar ’24ج.م18.60
ج.م22.40
+20.4%
4.9%ج.م23.50ج.م21.30ج.م21.562
Feb ’24ج.م17.50
ج.م22.40
+28.0%
4.9%ج.م23.50ج.م21.30ج.م17.782
Jan ’24ج.م19.01
ج.م22.40
+17.8%
4.9%ج.م23.50ج.م21.30ج.م17.502
Dec ’23ج.م17.96
ج.م22.03
+22.7%
3.3%ج.م22.76ج.م21.30ج.م17.722
Nov ’23ج.م16.02
ج.م22.03
+37.5%
3.3%ج.م22.76ج.م21.30ج.م18.172
Oct ’23ج.م13.69
ج.م22.03
+60.9%
3.3%ج.م22.76ج.م21.30ج.م18.272
Sep ’23ج.م14.34
ج.م23.38
+63.0%
2.7%ج.م24.00ج.م22.76ج.م17.522
Aug ’23ج.م14.25
ج.م23.38
+64.1%
2.7%ج.م24.00ج.م22.76ج.م17.932
Jul ’23ج.م13.50
ج.م23.38
+73.2%
2.7%ج.م24.00ج.م22.76ج.م17.062
Jun ’23ج.م16.11
ج.م23.38
+45.1%
2.7%ج.م24.00ج.م22.76ج.م17.692

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


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