Byblos Bank S.A.L., together with its subsidiaries, provides a range of banking services in Lebanon, Europe, and internationally.
Established dividend payer and good value.
Share Price & News
How has Byblos BankL's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: BYB has not had significant price volatility in the past 3 months.
7 Day Return
1 Year Return
Return vs Industry: BYB exceeded the UK Banks industry which returned -33.5% over the past year.
Return vs Market: BYB exceeded the UK Market which returned -22.7% over the past year.
Price Volatility Vs. Market
How volatile is Byblos BankL's share price compared to the market and industry in the last 5 years?
Simply Wall St News
No news available
Is Byblos BankL undervalued compared to its fair value and its price relative to the market?
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: BYB ($70) is trading below our estimate of fair value ($83.2)
Significantly Below Fair Value: BYB is trading below fair value, but not by a significant amount.
Price To Earnings Ratio
PE vs Industry: BYB is good value based on its PE Ratio (4x) compared to the Banks industry average (4.6x).
PE vs Market: BYB is good value based on its PE Ratio (4x) compared to the UK market (12.5x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate BYB's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: BYB is good value based on its PB Ratio (0.4x) compared to the GB Banks industry average (0.5x).
How is Byblos BankL forecast to perform in the next 1 to 3 years based on estimates from 1 analyst?
Forecasted Banks industry annual growth in earnings
In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Byblos BankL has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.
This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.
- Examine whether Byblos BankL is trading at an attractive price based on how much it is expected to earn in the future, and relative to its industry peers and the wider market.
- Byblos BankL competitive advantages and company strategy can generally be found in its financial reports archived here.
- Explore growth companies in the Banks industry.
How has Byblos BankL performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: BYB has high quality earnings.
Growing Profit Margin: BYB's current net profit margins (26.4%) are lower than last year (30.2%).
Past Earnings Growth Analysis
Earnings Trend: BYB's earnings have grown by 0.7% per year over the past 5 years.
Accelerating Growth: BYB's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: BYB had negative earnings growth (-12.1%) over the past year, making it difficult to compare to the Banks industry average (29.6%).
Return on Equity
High ROE: BYB's Return on Equity (8.4%) is considered low.
How is Byblos BankL's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Inventory Level: BYB has a low level of unsold assets or inventory.
Debt Coverage by Assets: BYB's debt is covered by short term assets (assets are 3.1x debt).
Financial Institutions Analysis
Asset Level: BYB's level of assets compared to its equity is moderate.
Allowance for Bad Loans: BYB has a low allowance for bad loans.
Low Risk Liabilities: BYB's liabilities are made up of primarily low risk sources of funding.
Loan Level: BYB has an acceptable proportion of non-loan assets held.
Low Risk Deposits: BYB's loans are broadly funded by customer deposits.
Level of Bad Loans: BYB has a high level of bad loans (4.6%)
What is Byblos BankL's current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: BYB's dividend (17.32%) is higher than the bottom 25% of dividend payers in the UK market (2.7%).
High Dividend: BYB's dividend (17.32%) is in the top 25% of dividend payers in the UK market (7.3%)
Stability and Growth of Payments
Stable Dividend: BYB's dividends per share have been stable in the past 10 years.
Growing Dividend: BYB's dividend payments have increased over the past 10 years.
Current Payout to Shareholders
Dividend Coverage: With its reasonable payout ratio (68.9%), BYB's dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Semaan Bassil (54yo)
Semaan F. Bassil holds Bachelor of Arts in Business, with a minor in Finance, from Boston University in the US and a Masters’ Degree in Business administration and Management from Cambridge University in t ...
|Chairman & General Manager||20.17yrs||no data||no data|
|Head of Group Finance & Administration Division||no data||no data||no data|
|Head of Group Operations Division||4.67yrs||no data||no data|
|Head of Group Technology Services||no data||no data||no data|
|Deputy GM||no data||no data||no data|
|Head of Group Legal Support||no data||no data||no data|
|Head of Group Communication||1.83yrs||no data||no data|
|Head of Group Human Resources Division||7yrs||no data||no data|
|Deputy GM and Head of Group Financial Markets & Financial Institutions||no data||no data||no data|
|Deputy GM & Head of Group Commercial Banking Division||no data||no data||no data|
Experienced Management: BYB's management team is seasoned and experienced (5.9 years average tenure).
|Chairman & General Manager||20.17yrs||no data||no data|
|Director||7.92yrs||no data||no data|
|Director||6.17yrs||no data||no data|
|Director||4.83yrs||no data||no data|
|Director||4.67yrs||no data||8.66% LBP39.5m|
|Director||21.17yrs||no data||no data|
|Director||28.17yrs||no data||no data|
|Director||20.17yrs||no data||no data|
|Director||8.83yrs||no data||no data|
|Director||7.92yrs||no data||no data|
Experienced Board: BYB's board of directors are considered experienced (7.9 years average tenure).
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 diluted in the past year, with total shares outstanding growing by 3.3%.
Byblos Bank S.A.L.'s company bio, employee growth, exchange listings and data sources
- Name: Byblos Bank S.A.L.
- Ticker: BYB
- Exchange: LSE
- Founded: 1950
- Industry: Diversified Banks
- Sector: Banks
- Market Cap: US$456.234m
- Shares outstanding: 563.25m
- Website: https://www.byblosbank.com
Number of Employees
- Byblos Bank S.A.L.
- Byblos Bank Tower
- Elias Sarkis Avenue
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|BYB||BDB (Bourse de Beyrouth)||Yes||Ordinary Shares||LB||USD||Oct 1996|
|BYB||LSE (London Stock Exchange)||GDR EACH REPR 50 ORD 'REG S'||GB||USD||Apr 2009|
|BYBDR||BDB (Bourse de Beyrouth)||GDR EACH REPR 50 ORD 'REG S'||LB||USD||Apr 2009|
|BYB09||BDB (Bourse de Beyrouth)||LBP1210 PRF CLASS 2009||LB||USD||Jan 2010|
Byblos Bank S.A.L., together with its subsidiaries, provides a range of banking services in Lebanon, Europe, and internationally. It operates through three segments: Retail Banking, Corporate Banking, and Treasury and Capital Markets. The Retail Banking segment provides deposits, housing loans, consumer loans, credit cards, fund transfers, foreign exchange, and other branch related services to individuals. The Corporate Banking segment offers a range of products and services to corporate and institutional customers, such as loans and other credit facilities, deposits and current accounts, and trade finance; and engages in foreign exchange operations. The Treasury and Capital Markets segment is involved in the liquidity management and market risk activities; and provision of treasury and investment products and services to investors and other institutional customers. The company also offers insurance products, including life, fire, general accident, medical coverage, and others to individual and institutional clients; bancassurance services; and investment banking services, as well as project finance and syndication, letters of credit, letters of guarantee, and documentary collection services. The company was formerly known as Société Bancaire Agricole Byblos Bassil Frères & Co. and changed its name to Byblos Bank S.A.L. in 1963. Byblos Bank S.A.L. was founded in 1950 and is headquartered in Beirut, Lebanon.
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/03/29 22:07|
|End of Day Share Price||2020/03/27 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.