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

CASE:FWRY Stock Report

Market Cap: ج.م49.8b

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

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

ج.م4.88
Fair Value
199.3% overvalued intrinsic discount
4
Number of Analysts

Below Fair Value: FWRY (EGP14.61) is trading above our estimate of fair value (EGP4.88)

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 Ratio24.8x
Earningsج.م2.01b
Market Capج.م49.77b

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 Average10.6x
EFIH e-finance for Digital and Financial InvestmentsE
23.4x33.68%ج.م44.1b
EXPA Export Development Bank of Egypt (S.A.E.)
3.8xn/aج.م20.5b
HRHO EFG Holding CompanyE
10.9x23.02%ج.م38.2b
CICH CI Capital Holding For Financial Investments (S.A.E)
4.3xn/aج.م7.5b
FWRY Fawry for Banking Technology and Electronic PaymentsE
24.8x29.36%ج.م49.8b

Price-To-Earnings vs Peers: FWRY is expensive based on its Price-To-Earnings Ratio (24.8x) compared to the peer average (10.6x).

Price to Earnings Ratio vs Industry

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

1 CompanyPrice / EarningsEstimated GrowthMarket Cap
FWRY 24.8xIndustry Avg. 9.2xNo. of Companies9PE0816243240+
1 CompanyEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: FWRY is expensive based on its Price-To-Earnings Ratio (24.8x) compared to the African Diversified Financial industry average (9.1x).

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 Ratio24.8x
Fair PE Ratio14.8x

Price-To-Earnings vs Fair Ratio: FWRY is expensive based on its Price-To-Earnings Ratio (24.8x) compared to the estimated Fair Price-To-Earnings Ratio (14.8x).

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.م14.61
ج.م16.68
+14.13%
19.09%ج.م22.10ج.م14.00n/a4
Sep ’26ج.م13.30
ج.م16.68
+25.38%
19.09%ج.م22.10ج.م14.00n/a4
Aug ’26ج.م12.85
ج.م14.24
+10.80%
10.06%ج.م15.60ج.م11.85n/a4
Jul ’26ج.م12.05
ج.م13.81
+14.63%
8.67%ج.م15.00ج.م11.85n/a4
Jun ’26ج.م11.40
ج.م12.89
+13.07%
9.54%ج.م14.50ج.م11.20n/a5
May ’26ج.م10.66
ج.م12.52
+17.45%
13.44%ج.م14.50ج.م10.00n/a5
Apr ’26ج.م9.60
ج.م12.52
+30.42%
13.44%ج.م14.50ج.م10.00n/a5
Mar ’26ج.م8.00
ج.م12.45
+55.62%
14.37%ج.م14.50ج.م9.65n/a5
Feb ’26ج.م8.60
ج.م12.45
+44.77%
14.37%ج.م14.50ج.م9.65n/a5
Jan ’26ج.م8.55
ج.م12.45
+45.61%
14.37%ج.م14.50ج.م9.65n/a5
Dec ’25ج.م8.50
ج.م11.39
+34.00%
19.27%ج.م14.50ج.م8.25n/a5
Nov ’25ج.م7.90
ج.م11.39
+44.18%
19.27%ج.م14.50ج.م8.25n/a5
Oct ’25ج.م8.50
ج.م11.44
+34.56%
21.44%ج.م14.50ج.م8.25ج.م14.204
Sep ’25ج.م7.58
ج.م10.92
+44.02%
24.12%ج.م14.50ج.م8.25ج.م13.303
Aug ’25ج.م6.85
ج.م8.17
+19.22%
16.25%ج.م10.00ج.م6.90ج.م12.853
Jul ’25ج.م6.52
ج.م8.17
+25.26%
16.25%ج.م10.00ج.م6.90ج.م12.053
Jun ’25ج.م5.77
ج.م8.17
+41.54%
16.25%ج.م10.00ج.م6.90ج.م11.403
May ’25ج.م5.89
ج.م7.20
+22.24%
3.00%ج.م7.40ج.م6.90ج.م10.663
Apr ’25ج.م7.42
ج.م6.76
-8.86%
5.71%ج.م7.30ج.م6.25ج.م9.604
Mar ’25ج.م7.40
ج.م6.76
-8.61%
5.71%ج.م7.30ج.م6.25ج.م8.004
Feb ’25ج.م5.28
ج.م6.76
+28.08%
5.71%ج.م7.30ج.م6.25ج.م8.604
Jan ’25ج.م5.51
ج.م6.36
+15.46%
6.33%ج.م6.90ج.م5.69ج.م8.555
Dec ’24ج.م5.32
ج.م6.36
+19.59%
6.33%ج.م6.90ج.م5.69ج.م8.505
Nov ’24ج.م5.14
ج.م6.31
+22.80%
6.78%ج.م6.90ج.م5.69ج.م7.905
Oct ’24ج.م4.80
ج.م6.17
+28.44%
5.64%ج.م6.60ج.م5.69ج.م8.504
ج.م16.68
Fair Value
12.4% undervalued intrinsic discount
4
Number of Analysts

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

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/10/05 04:22
End of Day Share Price 2025/10/05 00:00
Earnings2025/06/30
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 8 analysts. 4 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