Fawry for Banking Technology and Electronic Payments S.A.E.
Price History & Performance
|Historical stock prices|
|Current Share Price||ج.م16.00|
|52 Week High||ج.م13.42|
|52 Week Low||ج.م41.31|
|1 Month Change||7.82%|
|3 Month Change||-14.26%|
|1 Year Change||-26.49%|
|3 Year Change||n/a|
|5 Year Change||n/a|
|Change since IPO||142.03%|
Recent News & Updates
|FWRY||EG IT||EG Market|
Return vs Industry: FWRY underperformed the EG IT industry which returned -13.7% over the past year.
Return vs Market: FWRY underperformed the EG Market which returned 9.6% over the past year.
Stable Share Price: FWRY is not significantly more volatile than the rest of EG stocks over the past 3 months, typically moving +/- 6% a week.
Volatility Over Time: FWRY's weekly volatility (6%) has been stable over the past year.
About the Company
|2008||n/a||Ashraf Kamel Sabry||https://fawry.com|
Fawry for Banking Technology and Electronic Payments S.A.E. operates as an electronic payment network in Egypt. Its network offers financial services to consumers and businesses. The company provides payment gateway and e-commerce solutions; and services for businesses include collection, customer acquisition, electronic cash, payment facilitation, and business-to-business collection center services.
Fawry for Banking Technology and Electronic PaymentsE Fundamentals Summary
|FWRY fundamental statistics|
Is FWRY overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|FWRY income statement (TTM)|
|Cost of Revenue||ج.م653.74m|
Last Reported Earnings
Jun 30, 2021
Next Earnings Date
|Earnings per share (EPS)||0.12|
|Net Profit Margin||14.47%|
How did FWRY perform over the long term?See historical performance and comparison
Is Fawry for Banking Technology and Electronic PaymentsE undervalued compared to its fair value and its price relative to the market?
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: FWRY (EGP16) is trading above our estimate of fair value (EGP7.62)
Significantly Below Fair Value: FWRY is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: FWRY is poor value based on its PE Ratio (132.2x) compared to the African IT industry average (17.7x).
PE vs Market: FWRY is poor value based on its PE Ratio (132.2x) compared to the EG market (11.8x).
Price to Earnings Growth Ratio
PEG Ratio: FWRY is poor value based on its PEG Ratio (4.5x)
Price to Book Ratio
PB vs Industry: FWRY is overvalued based on its PB Ratio (21.3x) compared to the XF IT industry average (1.8x).
How is Fawry for Banking Technology and Electronic PaymentsE forecast to perform in the next 1 to 3 years based on estimates from 4 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: FWRY's forecast earnings growth (29.3% per year) is above the savings rate (9.1%).
Earnings vs Market: FWRY's earnings (29.3% per year) are forecast to grow faster than the EG market (14.4% per year).
High Growth Earnings: earnings are expected to grow significantly over the next 3 years.
Revenue vs Market: FWRY's revenue (28.6% per year) is forecast to grow faster than the EG market (10% per year).
High Growth Revenue: FWRY's revenue (28.6% per year) is forecast to grow faster than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: FWRY's Return on Equity is forecast to be high in 3 years time (26%)
How has Fawry for Banking Technology and Electronic PaymentsE performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: FWRY has high quality earnings.
Growing Profit Margin: FWRY's current net profit margins (14.5%) are higher than last year (12.6%).
Past Earnings Growth Analysis
Earnings Trend: FWRY's earnings have grown significantly by 35.9% per year over the past 5 years.
Accelerating Growth: FWRY's earnings growth over the past year (54.7%) exceeds its 5-year average (35.9% per year).
Earnings vs Industry: FWRY earnings growth over the past year (54.7%) exceeded the IT industry 8.8%.
Return on Equity
High ROE: FWRY's Return on Equity (20.8%) is considered high.
How is Fawry for Banking Technology and Electronic PaymentsE's financial position?
Financial Position Analysis
Short Term Liabilities: FWRY's short term assets (EGP2.9B) exceed its short term liabilities (EGP2.1B).
Long Term Liabilities: FWRY's short term assets (EGP2.9B) exceed its long term liabilities (EGP233.3M).
Debt to Equity History and Analysis
Debt Level: FWRY's debt to equity ratio (54.8%) is considered high.
Reducing Debt: FWRY's debt to equity ratio has increased from 40.5% to 54.8% over the past 5 years.
Debt Coverage: FWRY's debt is well covered by operating cash flow (90.9%).
Interest Coverage: FWRY earns more interest than it pays, so coverage of interest payments is not a concern.
What is Fawry for Banking Technology and Electronic PaymentsE current dividend yield, its reliability and sustainability?
Forecast Dividend Yield
Dividend Yield vs Market
Notable Dividend: Unable to evaluate FWRY's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate FWRY's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if FWRY's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if FWRY's dividend payments have been increasing.
Current Payout to Shareholders
Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of FWRY's dividend in 3 years as they are not forecast to pay a notable one for the EG market.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Ashraf Kamel Sabry
Mr. Ashraf Kamel Mousa Sabry serves as Chief Executive Officer and Managing Director of Fawry for Banking Technology and Electronic Payments S.A.E. (formerly known as Fawry Banking & Payment Technology Ser...
Experienced Management: FWRY's management team is not considered experienced ( 1.8 years average tenure), which suggests a new team.
Experienced Board: FWRY's board of directors are not considered experienced ( 2.3 years average tenure), which suggests a new board.
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Dilution of Shares: Shareholders have been substantially diluted in the past year, with total shares outstanding growing by 88.2%.
Fawry for Banking Technology and Electronic Payments S.A.E.'s employee growth, exchange listings and data sources
- Name: Fawry for Banking Technology and Electronic Payments S.A.E.
- Ticker: FWRY
- Exchange: CASE
- Founded: 2008
- Industry: Data Processing and Outsourced Services
- Sector: Software
- Market Cap: ج.م28.153b
- Shares outstanding: 1.71b
- Website: https://fawry.com
- Fawry for Banking Technology and Electronic Payments S.A.E.
- Building 221
- 12th Floor
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/10/20 15:30|
|End of Day Share Price||2021/10/20 00:00|
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 here.