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Byblos BankL

LSE:BYB
Snowflake Description

Established dividend payer with adequate balance sheet.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
BYB
LSE
$766M
Market Cap
  1. Home
  2. GB
  3. Banks
Company description

Byblos Bank S.A.L., together with its subsidiaries, provides a range of banking services in Lebanon, Europe, and internationally. The last earnings update was 19 days ago. More info.


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BYB Share Price and Events
7 Day Returns
0%
LSE:BYB
0.9%
GB Banks
0.5%
GB Market
1 Year Returns
0.7%
LSE:BYB
-9.3%
GB Banks
0.8%
GB Market
BYB Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
Byblos BankL (BYB) 0% 0% 0% 0.7% 2.7% 5.5%
GB Banks 0.9% 7.9% 5.9% -9.3% 18.7% -10.6%
GB Market 0.5% 3.6% 7.6% 0.8% 15.9% 6.2%
1 Year Return vs Industry and Market
  • BYB outperformed the Banks industry which returned -9.3% over the past year.
Price Volatility
BYB
Industry
5yr Volatility vs Market
Related Companies

Sorry, no analysis for Byblos BankL's competitors could be found in our database.

BYB Value

 Is Byblos BankL undervalued based on future cash flows and its price relative to the stock market?

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
Here we compare the current share price of Byblos BankL to its discounted cash flow analysis.value.

The discounted cash flow value is simply looking at what the company is worth today, based on estimates of how much money it is expected to make in the future.
Raw Data

Below are the data sources, inputs and calculation used to determine the intrinsic value for Byblos BankL.

LSE:BYB Discounted Cash Flow Data Sources
Data Point Source Value
Valuation Model Excess Returns Model
Stable EPS Median Return on Equity from the past 5 years.
= Stable Book Value * Return on Equity
= LBP3,215.37 * 9.1%
LBP292.44
Book Value of Equity per Share Median Book Value from the past 5 years. LBP3,215.37
Discount Rate (Cost of Equity) See below 13.1%
Perpetual Growth Rate 10-Year GB Government Bond Rate 1.2%

An important part of a discounted cash flow is the discount rate, below we explain how it has been calculated.

Calculation of Discount Rate/ Cost of Equity for LSE:BYB
Data Point Calculation/ Source Result
Risk-Free Rate 10-Year GB Govt Bond Rate 1.2%
Equity Risk Premium S&P Global 6%
Banks Unlevered Beta Simply Wall St/ S&P Global 0.59
Re-levered Beta = Unlevered beta (1 + (1- tax rate) (Debt/Equity))
= 0.592 (1 + (1- 15%) (455.08%))
2.261
Levered Beta Levered Beta limited to 0.8 to 2.0
(practical range for a stable firm)
2
Discount Rate/ Cost of Equity = Cost of Equity = Risk Free Rate + (Levered Beta * Equity Risk Premium)
= 1.23% + (2 * 5.96%)
13.15%

Discounted Cash Flow Calculation for LSE:BYB using Excess Returns Model Model

The calculations below outline how an intrinsic value for Byblos BankL is arrived at using the Excess Return Model. This approach is used for finance firms where free cash flow is difficult to estimate.

In the Excess Return Model the value of a firm can be written as the sum of capital invested currently in the firm and the present value of excess returns that the firm expects to make in the future.

The model is sensitive to the Return on Equity of the company versus the Cost of Equity, how these are calculated is detailed below the main calculation.

Note the calculations below are per share.

See our documentation to learn about this calculation.

LSE:BYB Value of Excess Returns
Calculation Result
Excess Returns = (Stable Return on equity – Cost of equity) (Book Value of Equity per share)
= (9.1% – 13.15%) * LBP3,215.37)
LBP-130.29
Terminal Value of Excess Returns = Excess Returns / (Cost of Equity - Expected Growth Rate)
= LBP-130.29 / (13.15% - 1.23%)
LBP-1,093.01
Value of Equity = Book Value per share + Terminal Value of Excess Returns
= LBP3,215.37 + LBP-1,093.01
LBP2122.36
LSE:BYB Discount to Share Price
Calculation Result
Exchange Rate LBP/USD
(Reporting currency to currency of BDB:BYB)
0.001
Value per Share
(USD)
= Value per Share in LBP x Exchange Rate (LBP/USD)
= LBP2122.36 x 0.001
$1.41
Non-primary Listing Adjustment Factor 1 share in LSE:BYB represents 56.62514x of BDB:BYB
(This could be a different class, a depositary receipt, a different currency, or all of these things.)
56.62514x
Value per Share
(Listing Adjusted, USD)
= Value per Share (USD) x Listing Adjustment Factor
= $ 1.41 x 56.62514
$79.63
Value per share (USD) From above. $79.63
Current discount Discount to share price of $77.00
= -1 x ($77.00 - $79.63) / $79.63
3.3%

Learn more about our DCF calculations in Simply Wall St’s analysis model .

Current Discount
Amount off the current price Byblos BankL is available for.
Intrinsic value
3%
Share price is $77 vs Future cash flow value of $79.63
Current Discount Checks
For Byblos BankL to be considered undervalued it must be available for at least 20% below the current price. Less than 40% is even better.
  • Byblos BankL's share price is below the future cash flow value, but not at a moderate discount (< 20%).
  • Byblos BankL's share price is below the future cash flow value, but not at a substantial discount (< 40%).
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for Byblos BankL's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are Byblos BankL's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
LSE:BYB PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2018-12-31) in LBP LBP341.98
BDB:BYB Share Price ** BDB (2019-04-23) in USD $1.36
BDB:BYB Share Price converted to LBP reporting currency Exchange rate (USD/ LBP) 1509.3 LBP2052.65
United Kingdom of Great Britain and Northern Ireland Banks Industry PE Ratio Median Figure of 15 Publicly-Listed Banks Companies 10.35x
United Kingdom of Great Britain and Northern Ireland Market PE Ratio Median Figure of 797 Publicly-Listed Companies 16.29x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of Byblos BankL.

LSE:BYB PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= BDB:BYB Share Price ÷ EPS (both in LBP)

= 2052.65 ÷ 341.98

6x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Byblos BankL is good value based on earnings compared to the GB Banks industry average.
  • Byblos BankL is good value based on earnings compared to the United Kingdom of Great Britain and Northern Ireland market.
Price based on expected Growth
Does Byblos BankL's expected growth come at a high price?
Raw Data
LSE:BYB PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section 6x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 1 Analysts
9.9%per year
United Kingdom of Great Britain and Northern Ireland Banks Industry PEG Ratio Median Figure of 14 Publicly-Listed Banks Companies 0.86x
United Kingdom of Great Britain and Northern Ireland Market PEG Ratio Median Figure of 564 Publicly-Listed Companies 1.48x

*Line of best fit is calculated by linear regression .

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to calculate PEG ratio for Byblos BankL, we can't assess if its growth is good value.
Price based on value of assets
What value do investors place on Byblos BankL's assets?
Raw Data
LSE:BYB PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2018-12-31) in LBP LBP4,013.28
BDB:BYB Share Price * BDB (2019-04-23) in USD $1.36
BDB:BYB Share Price converted to LBP reporting currency Exchange rate (USD/ LBP) 1509.3 LBP2052.65
United Kingdom of Great Britain and Northern Ireland Banks Industry PB Ratio Median Figure of 16 Publicly-Listed Banks Companies 0.88x
United Kingdom of Great Britain and Northern Ireland Market PB Ratio Median Figure of 1,367 Publicly-Listed Companies 1.51x
LSE:BYB PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= BDB:BYB Share Price ÷ Book Value per Share (both in LBP)

= 2052.65 ÷ 4,013.28

0.51x

* Primary Listing of Byblos BankL.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Byblos BankL is good value based on assets compared to the GB Banks industry average.
X
Value checks
We assess Byblos BankL's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Banks industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Banks industry average (and greater than 0)? (1 check)
  5. Byblos BankL has a total score of 3/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

BYB Future Performance

 How is Byblos BankL expected to perform in the next 1 to 3 years based on estimates from 1 analyst?

  • No analysts cover Byblos BankL, future earnings growth has been estimated based on fundamentals.
The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
9.9%
Expected annual growth in earnings.
Earnings growth vs Low Risk Savings
Is Byblos BankL expected to grow at an attractive rate?
  • Byblos BankL's earnings growth is expected to exceed the low risk savings rate of 1.2%.
Growth vs Market Checks
  • Byblos BankL's earnings growth is positive but not above the United Kingdom of Great Britain and Northern Ireland market average.
  • Unable to compare Byblos BankL's revenue growth to the United Kingdom of Great Britain and Northern Ireland market average as no estimate data is available.
Annual Growth Rates Comparison
Raw Data
LSE:BYB Future Growth Rates Data Sources
Data Point Source Value (per year)
LSE:BYB Future Earnings Growth Rate Line of Best Fit* through Consensus Estimate Earnings of 1 Analysts 9.9%
United Kingdom of Great Britain and Northern Ireland Banks Industry Earnings Growth Rate Market Cap Weighted Average 12.7%
United Kingdom of Great Britain and Northern Ireland Banks Industry Revenue Growth Rate Market Cap Weighted Average 4.6%
United Kingdom of Great Britain and Northern Ireland Market Earnings Growth Rate Market Cap Weighted Average 11%
United Kingdom of Great Britain and Northern Ireland Market Revenue Growth Rate Market Cap Weighted Average 4.8%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
LSE:BYB Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (3 months ago) See Below
Future Estimates Average of up to 1 Analyst Estimates (S&P Global) See Below
All numbers in LBP Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
LSE:BYB Future Estimates Data
Date (Data in LBP Millions) Revenue Cash Flow Net Income * Avg. No. Analysts
2020-12-31
2019-12-31 891,937 1
LSE:BYB Past Financials Data
Date (Data in LBP Millions) Revenue Cash Flow Net Income *
2018-12-31 687,199 -340,937 192,619
2018-09-30 666,314 202,219
2018-06-30 671,543 203,100
2018-03-31 668,777 199,042
2017-12-31 651,699 -1,684,588 196,984
2017-09-30 824,191 195,347
2017-06-30 816,278 180,065
2017-03-31 791,276 177,941
2016-12-31 842,660 -1,642,324 184,192
2016-09-30 635,942 178,776
2016-06-30 646,972 186,622
2016-03-31 678,954 183,131

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • Byblos BankL's earnings are expected to grow by 9.9% yearly, however this is not considered high growth (20% yearly).
  • Unable to determine if Byblos BankL is high growth as no revenue estimate data is available.
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
LSE:BYB Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (3 months ago) See Below
Future Estimates Average of up to 1 Analyst Estimates (S&P Global) See Below

All data from Byblos BankL Company Filings, last reported 3 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

LSE:BYB Future Estimates Data
Date (Data in LBP Millions) EPS * EPS High Estimate EPS Low Estimate Avg. No. Analysts
2020-12-31
2019-12-31
LSE:BYB Past Financials Data
Date (Data in LBP Millions) EPS *
2018-12-31 341.98
2018-09-30 358.86
2018-06-30 361.36
2018-03-31 352.13
2017-12-31 349.68
2017-09-30 353.58
2017-06-30 316.87
2017-03-31 311.01
2016-12-31 327.22
2016-09-30 317.09
2016-06-30 336.62
2016-03-31 327.69

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • Byblos BankL is not expected to efficiently use shareholders’ funds in the future (Return on Equity less than 20%).
X
Future performance checks
We assess Byblos BankL's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the United Kingdom of Great Britain and Northern Ireland market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the United Kingdom of Great Britain and Northern Ireland market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
Byblos BankL has a total score of 1/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

BYB Past Performance

  How has Byblos BankL performed over the past 5 years?

The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare Byblos BankL's growth in the last year to its industry (Banks).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • Byblos BankL's year on year earnings growth rate has been positive over the past 5 years.
  • Byblos BankL's 1-year earnings growth is negative, it can't be compared to the 5-year average.
  • Byblos BankL's 1-year earnings growth is negative, it can't be compared to the GB Banks industry average.
Earnings and Revenue History
Byblos BankL's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from Byblos BankL Company Filings, last reported 3 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

LSE:BYB Past Revenue, Cash Flow and Net Income Data
Date (Data in LBP Millions) Revenue Net Income * G+A Expenses R&D Expenses
2018-12-31 687,199.00 192,619.00 252,706.00
2018-09-30 666,314.00 202,219.00 252,306.00
2018-06-30 671,543.00 203,100.00 252,734.00
2018-03-31 668,777.00 199,042.00 251,666.00
2017-12-31 651,699.00 196,984.00 245,823.00
2017-09-30 824,191.00 195,347.00 239,078.00
2017-06-30 816,278.00 180,065.00 239,669.00
2017-03-31 791,276.00 177,941.00 240,526.00
2016-12-31 842,660.00 184,192.00 240,058.00
2016-09-30 635,942.00 178,776.00 233,206.00
2016-06-30 646,972.00 186,622.00 228,203.00
2016-03-31 678,954.00 183,131.00 226,254.00
2015-12-31 640,124.00 179,705.00 223,519.00
2015-09-30 664,233.00 200,587.00 210,617.00
2015-06-30 691,686.00 201,309.00 213,001.00
2015-03-31 666,181.00 205,021.00 236,404.00
2014-12-31 656,508.00 204,312.00 232,518.00
2014-09-30 623,842.00 172,154.00 211,869.00
2014-06-30 602,151.00 167,261.00 210,296.00
2014-03-31 599,718.00 167,014.00 208,605.00
2013-12-31 596,372.00 176,203.00 209,135.00
2013-09-30 585,720.00 184,672.00 196,208.00
2013-06-30 590,296.00 189,292.00 200,460.00
2013-03-31 619,554.00 245,615.00 181,703.00
2012-12-31 622,447.00 198,130.00 204,605.00
2012-09-30 642,201.00 204,298.00 288,900.00
2012-06-30 649,263.00 212,731.00 286,910.00

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • Byblos BankL has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
  • Byblos BankL used its assets more efficiently than the GB Banks industry average last year based on Return on Assets.
  • Unable to establish if Byblos BankL improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.
X
Past performance checks
We assess Byblos BankL's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Banks industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
Byblos BankL has a total score of 2/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

BYB Health

 How is Byblos BankL's financial position? (This company is analysed differently as a bank or financial institution)

This company is a bank or financial institution.

Fundamentally a bank's business is based upon borrowing and lending money, for this reason they typically have high levels of debt and we analyse them differently.
Net Worth
Balance sheet
This treemap shows a more detailed breakdown of Byblos BankL's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from Byblos BankL Company Filings, last reported 3 months ago.

LSE:BYB Past Debt and Equity Data
Date (Data in LBP Millions) Total Equity Total Debt Cash & Short Term Investments
2018-12-31 2,895,109.00 5,261,387.00 12,120,985.00
2018-09-30 2,807,595.00 5,239,128.00 15,511,603.00
2018-06-30 2,756,743.00 4,575,833.00 14,626,200.00
2018-03-31 2,878,176.00 3,585,997.00 13,151,311.00
2017-12-31 2,832,625.00 2,692,659.00 14,100,318.00
2017-09-30 2,745,498.00 2,915,517.00 12,376,076.00
2017-06-30 2,662,958.00 2,350,851.00 11,196,692.00
2017-03-31 2,766,295.00 2,020,637.00 10,168,372.00
2016-12-31 2,719,435.00 1,422,428.00 12,059,459.00
2016-09-30 2,561,157.00 1,702,559.00 9,192,147.00
2016-06-30 2,506,549.00 1,698,931.00 8,883,165.00
2016-03-31 2,622,303.00 1,719,651.00 8,926,555.00
2015-12-31 2,583,443.00 1,303,589.00 9,427,411.00
2015-09-30 2,505,858.00 1,665,487.00 7,393,458.00
2015-06-30 2,449,369.00 1,784,700.00 7,181,230.00
2015-03-31 2,569,013.00 1,756,824.00 7,667,484.00
2014-12-31 2,543,952.00 1,280,890.00 9,115,232.00
2014-09-30 2,455,888.00 2,030,546.00 6,487,101.00
2014-06-30 2,410,958.00 1,968,927.00 6,025,411.00
2014-03-31 2,518,826.00 2,248,021.00 5,985,302.00
2013-12-31 2,485,586.00 1,355,198.00 8,668,446.00
2013-09-30 2,426,377.00 2,166,061.00 6,141,502.00
2013-06-30 2,358,973.00 2,142,050.00 6,525,916.00
2013-03-31 2,531,811.00 2,657,165.00 6,507,771.00
2012-12-31 2,491,806.00 1,333,099.00 8,736,267.00
2012-09-30 2,414,188.00 2,245,526.00 5,843,134.00
2012-06-30 2,344,218.00 2,138,489.00 5,434,707.00
BANK ANALYSIS

This company is a bank or financial institution, which is analysed accordingly below.

Below we check the amount of loans the bank has, how many of those are bad, and its ability to cover any bad loans.
  • Byblos BankL has an acceptable proportion of non-loan assets held.
  • Byblos BankL's liabilities are made up of primarily low risk sources of funding.
  • Loans at Byblos BankL are broadly funded by customer deposits.
  • Byblos BankL's level of assets compared to its equity is moderate (i.e. an appropriate level of borrowing to fund lending).
  • Byblos BankL has a low allowance for bad loans.
  • Byblos BankL has a high level of bad loans (greater than 2%).
X
Financial health checks
We assess Byblos BankL's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. Byblos BankL has a total score of 4/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

BYB Dividends

 What is Byblos BankL's current dividend yield, its reliability and sustainability?

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
10.33%
Current annual income from Byblos BankL dividends.
If you bought $2,000 of Byblos BankL shares you are expected to receive $207 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • Byblos BankL's pays a higher dividend yield than the bottom 25% of dividend payers in United Kingdom of Great Britain and Northern Ireland (2.02%).
  • Byblos BankL's dividend is above the markets top 25% of dividend payers in United Kingdom of Great Britain and Northern Ireland (5.19%).
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
LSE:BYB Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 1 Analyst Estimates (S&P Global) See Below
United Kingdom of Great Britain and Northern Ireland Banks Industry Average Dividend Yield Market Cap Weighted Average of 14 Stocks 4.9%
United Kingdom of Great Britain and Northern Ireland Market Average Dividend Yield Market Cap Weighted Average of 705 Stocks 4.2%
United Kingdom of Great Britain and Northern Ireland Minimum Threshold Dividend Yield 10th Percentile 1%
United Kingdom of Great Britain and Northern Ireland Bottom 25% Dividend Yield 25th Percentile 2%
United Kingdom of Great Britain and Northern Ireland Top 25% Dividend Yield 75th Percentile 5.2%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

LSE:BYB Future Dividends Estimate Data
Date (Data in LBP) Dividend per Share (annual) Avg. No. Analysts
2020-12-31
2019-12-31
LSE:BYB Past Annualized Dividends Data
Date (Data in LBP) Dividend per share (annual) Avg. Yield (%)
2019-04-01 212.000 10.385
2018-04-11 212.000 9.827
2017-04-12 200.000 8.201
2016-03-31 200.000 7.964
2015-05-19 200.000 8.165
2014-04-16 200.000 8.067
2013-05-09 200.000 8.464
2012-03-19 200.000 8.428
2012-01-31 200.000 8.191
2011-04-20 200.000 7.914
2011-01-17 200.000 7.068
2010-04-26 190.000 6.993
2010-03-01 200.000 6.079
2010-01-15 200.000 6.307
2009-04-27 157.900 5.514

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Dividends per share have been stable in the past 10 years.
  • Dividends per share have increased over the past 10 years.
Current Payout to shareholders
What portion of Byblos BankL's earnings are paid to the shareholders as a dividend.
  • Dividends paid are covered by earnings (1.6x coverage).
Future Payout to shareholders
  • Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.
X
Income/ dividend checks
We assess Byblos BankL's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 1%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can Byblos BankL afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. Byblos BankL has a total score of 5/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

BYB Management

 What is the CEO of Byblos BankL's salary, the management and board of directors tenure and is there insider trading?

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
Semaan Bassil
AGE 53
TENURE AS CEO 19.3 years
CEO Bio

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 the UK. He has been working in the banking sector since 1990. He has been a Member of the Board of Directors of Byblos Bank S.A.L. since 1992. He was elected Vice-Chairman of the Board and General Manager in 2000 and Chairman - General Manager in July 2015. Also he is Chairman - General Manager of Byblos Invest Bank S.A.L., Vice-Chairman of the Board of Byblos Bank Africa, and Member of the Board of Byblos Bank Europe.

CEO Compensation
  • Insufficient data for Semaan to compare compensation growth.
  • Insufficient data for Semaan to establish whether their remuneration is reasonable compared to companies of similar size in United Kingdom of Great Britain and Northern Ireland.
Management Team Tenure

Average tenure of the Byblos BankL management team in years:

5
Average Tenure
  • The tenure for the Byblos BankL management team is about average.
Management Team

Semaan Bassil

TITLE
Chairman & General Manager
AGE
53
TENURE
19.3 yrs

Ziad El Zoghbi

TITLE
Head of Group Finance & Administration Division

Paul Chammas

TITLE
Head of Group Operations Division
TENURE
3.8 yrs

John Massaad

TITLE
Head of Group Technology Services

Marwan Moharram

TITLE
Deputy GM

Adel Zeidan

TITLE
Head of Group Legal Support

Nada Tawil

TITLE
Head of Group Communication
TENURE
0.9 yrs

Fadi Hayek

TITLE
Head of Group Human Resources Division
TENURE
6.2 yrs

Alain Wanna

TITLE
Deputy GM and Head of Group Financial Markets & Financial Institutions

Fadi Nassar

TITLE
Deputy GM & Head of Group Commercial Banking Division
Board of Directors Tenure

Average tenure and age of the Byblos BankL board of directors in years:

7
Average Tenure
65.5
Average Age
  • The tenure for the Byblos BankL board of directors is about average.
Board of Directors

Semaan Bassil

TITLE
Chairman & General Manager
AGE
53
TENURE
3.8 yrs

Alain Tohmé

TITLE
Director
AGE
56
TENURE
7.9 yrs

Henry Tawfiq Azzam

TITLE
Director
AGE
69
TENURE
7 yrs

Des O'Shea

TITLE
Director
AGE
62
TENURE
5.3 yrs

François Bassil

TITLE
Director
AGE
84
TENURE
3.8 yrs

Ahmad Tabbarah

TITLE
Director
AGE
78
TENURE
20.3 yrs

Bassam Nassar

TITLE
Director
AGE
53
TENURE
27.3 yrs

Faisal Ali El Tabsh

TITLE
Director
AGE
70
TENURE
19.3 yrs

Guy Quaden

TITLE
Director
AGE
73
TENURE
7 yrs

Yves Jacquot

TITLE
Director
AGE
62
TENURE
3.9 yrs
Who owns this company?
Recent Insider Trading
  • No 3 month insider trading information.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price ($) Value ($)
X
Management checks
We assess Byblos BankL's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. Byblos BankL has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

BYB News

Simply Wall St News

BYB Company Info

Description

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.

Details
Name: Byblos Bank S.A.L.
BYB
Exchange: LSE
Founded: 1950
$766,022,748
563,252,021
Website: http://www.byblosbank.com
Address: Byblos Bank S.A.L.
Byblos Bank Tower,
Elias Sarkis Avenue,
Beirut,
Lebanon
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
BDB BYB Ordinary Shares Bourse de Beyrouth LB USD 07. Oct 1996
LSE BYB GDR EACH REPR 50 ORD 'REG S' London Stock Exchange GB USD 15. Apr 2009
BDB BYB09 LBP1210 PRF CLASS 2009 Bourse de Beyrouth LB USD 04. Jan 2010
BDB BYBDR GDR EACH REPR 50 ORD 'REG S' Bourse de Beyrouth LB USD 15. Apr 2009
Number of employees
Current staff
Staff numbers
0
Byblos BankL employees.
Industry
Diversified Banks
Banks
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2019/04/23 21:29
End of day share price update: 2019/04/23 00:00
Last estimates confirmation: 2019/04/09
Last earnings filing: 2019/04/04
Last earnings reported: 2018/12/31
Last annual earnings reported: 2018/12/31


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

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.