Fawry for Banking Technology and Electronic Payments S.A.E.

CASE:FWRY Stock Report

Market Cap: ج.م31.0b

Fawry for Banking Technology and Electronic PaymentsE Valuation

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

Valuation Score

1/6

Valuation Score 1/6

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

Discounted Cash Flow
Simply Wall St
ج.م2.73
Fair Value
233.1% overvalued intrinsic discount
5
Number of Analysts

Below Fair Value: FWRY (EGP9.09) is trading above our estimate of fair value (EGP2.73)

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

Key Valuation Metric

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

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

The above table shows the Price to Earnings ratio for FWRY. This is calculated by dividing FWRY's market cap by their current earnings.
What is FWRY's PE Ratio?
PE Ratio22.4x
Earningsج.م1.38b
Market Capج.م30.97b

Price to Earnings Ratio vs Peers

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

The above table shows the PE ratio for FWRY vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average10x
EFIH e-finance for Digital and Financial InvestmentsE
24x26.1%ج.م38.5b
EXPA Export Development Bank of Egypt (S.A.E.)
3.7xn/aج.م19.2b
HRHO EFG Holding
9.5x14.1%ج.م39.3b
CICH CI Capital Holding For Financial Investments (S.A.E)
2.7xn/aج.م6.1b
FWRY Fawry for Banking Technology and Electronic PaymentsE
22.4x26.0%ج.م31.0b

Price-To-Earnings vs Peers: FWRY is expensive based on its Price-To-Earnings Ratio (22.4x) compared to the peer average (10x).

Price to Earnings Ratio vs Industry

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

0 CompaniesPrice / EarningsEstimated GrowthMarket Cap
FWRY 22.4xIndustry Avg. 9.0xNo. of Companies5PE0816243240+
0 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: FWRY is expensive based on its Price-To-Earnings Ratio (22.4x) compared to the African Diversified Financial industry average (9x).

Price to Earnings Ratio vs Fair Ratio

What is FWRY'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.

FWRY PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio22.4x
Fair PE Ratio13.7x

Price-To-Earnings vs Fair Ratio: FWRY is expensive based on its Price-To-Earnings Ratio (22.4x) compared to the estimated Fair Price-To-Earnings Ratio (13.7x).

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 FWRY forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
Currentج.م9.09
ج.م12.52
+37.7%
13.4%ج.م14.50ج.م10.00n/a5
Mar ’26ج.م8.00
ج.م12.45
+55.6%
14.4%ج.م14.50ج.م9.65n/a5
Feb ’26ج.م8.60
ج.م12.45
+44.8%
14.4%ج.م14.50ج.م9.65n/a5
Jan ’26ج.م8.55
ج.م12.45
+45.6%
14.4%ج.م14.50ج.م9.65n/a5
Dec ’25ج.م8.50
ج.م11.39
+34.0%
19.3%ج.م14.50ج.م8.25n/a5
Nov ’25ج.م7.90
ج.م11.39
+44.2%
19.3%ج.م14.50ج.م8.25n/a5
Oct ’25ج.م8.50
ج.م11.44
+34.6%
21.4%ج.م14.50ج.م8.25n/a4
Sep ’25ج.م7.58
ج.م10.92
+44.0%
24.1%ج.م14.50ج.م8.25n/a3
Aug ’25ج.م6.85
ج.م8.17
+19.2%
16.3%ج.م10.00ج.م6.90n/a3
Jul ’25ج.م6.52
ج.م8.17
+25.3%
16.3%ج.م10.00ج.م6.90n/a3
Jun ’25ج.م5.77
ج.م8.17
+41.5%
16.3%ج.م10.00ج.م6.90n/a3
May ’25ج.م5.89
ج.م7.20
+22.2%
3.0%ج.م7.40ج.م6.90n/a3
Apr ’25ج.م7.42
ج.م6.76
-8.9%
5.7%ج.م7.30ج.م6.25n/a4
Mar ’25ج.م7.40
ج.م6.76
-8.6%
5.7%ج.م7.30ج.م6.25ج.م8.004
Feb ’25ج.م5.28
ج.م6.76
+28.1%
5.7%ج.م7.30ج.م6.25ج.م8.604
Jan ’25ج.م5.51
ج.م6.36
+15.5%
6.3%ج.م6.90ج.م5.69ج.م8.555
Dec ’24ج.م5.32
ج.م6.36
+19.6%
6.3%ج.م6.90ج.م5.69ج.م8.505
Nov ’24ج.م5.14
ج.م6.31
+22.8%
6.8%ج.م6.90ج.م5.69ج.م7.905
Oct ’24ج.م4.80
ج.م6.17
+28.4%
5.6%ج.م6.60ج.م5.69ج.م8.504
Sep ’24ج.م5.65
ج.م6.09
+7.7%
4.7%ج.م6.37ج.م5.69ج.م7.583
Aug ’24ج.م5.55
ج.م6.09
+9.7%
4.7%ج.م6.37ج.م5.69ج.م6.853
Jul ’24ج.م5.62
ج.م6.09
+8.3%
4.7%ج.م6.37ج.م5.69ج.م6.523
Jun ’24ج.م5.71
ج.م5.95
+4.1%
4.3%ج.م6.20ج.م5.69ج.م5.772
May ’24ج.م5.73
ج.م5.43
-5.2%
4.5%ج.م5.69ج.م5.10ج.م5.893
Apr ’24ج.م5.30
ج.م5.42
+2.3%
4.4%ج.م5.67ج.م5.10ج.م7.423
Mar ’24ج.م5.65
ج.م5.44
-3.7%
4.0%ج.م5.67ج.م5.15ج.م7.403
Analyst Price Target
Consensus Narrative from 5 Analysts
ج.م12.52
Fair Value
27.4% undervalued intrinsic discount
5
Number of Analysts

Analyst Forecast: Target price is more than 20% higher than the current share price and analysts are within a statistically confident range of agreement.

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/03/20 10:11
End of Day Share Price 2025/03/20 00:00
Earnings2024/12/31
Annual Earnings2024/12/31

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

Fawry for Banking Technology and Electronic Payments S.A.E. is covered by 9 analysts. 5 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Hany AmerArab African International Securities
Monette DossBeltone Financial
Monsef MorsyCI Capital Research