Commercial International Bank (Egypt) S.A.E

OTC

CMGGF

Stock

Yield per half year: 0%
Dividend yield: 0%
Sector: Financials

Reporting Commercial International Bank (Egypt) S.A.E

Capitalization

IFRS

Reporting Annual Quarterly

	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	LTM	5 year average	CAGR 5
Капитализация, млрд .ج.م									5.49	4.99	5.09	5.24	-4.66
Выручка, млрд .ج.م		9.04	12.17	15.99	22.13	25.33	28.46	28.9	36.42	59.99	59.99	35.82	18.82
Чистая прибыль, млрд .ج.م		4.73	6.01	7.52	9.58	11.8	10.24	13.27	16.11	29.63	29.63	16.21	20.22
EBITDA, млрд .ج.م	5.18	6.69	8.41	10.21	13.41	17.04	15.6					12.93	13.15
Баланс стоимость, млрд .ج.م		16.54	21.37	28.44	34.23	51.88	59.48	68.85	67.76	90.48	90.48	67.69	11.77
FCF, млрд .ج.م				0.989	26.22	20.31	28.09	30.48	63.87	172.62	172.62	63.07	53.42
Операционный денежный поток, млрд .ج.م		3.46	-34.18	-18.35	-7.47	2.46	-7.54	-34.61	-59.47	174.31	174.31	15.03	134.46
Операционная прибыль, млрд .ج.م	5.02	6.48	8.33	9.26	13.18	16.77						10.80	20.95
Операционные расходы, млрд .ج.م	2.83	2.55	3.67	4.99	5.81	6.85						4.77	21.85
CAPEX, млрд .ج.م		0.3044	0.5606	0.7451	0.8747	1.3	1.09	0.9812	1.03	1.69	1.69	1.22	5.39

	2016Q4	2017Q1	2017Q3	2017Q4	2018Q1	2018Q2	2018Q3	2018Q4	2019Q1	2019Q2	2019Q3	2019Q4	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	5 quarters average	CAGR 5
Выручка, млрд .ج.م													6.95	7.4	7.79	9.01	7.86	9.28	11.87	13.19	14.9			22.91	14.43	19.81
Чистая прибыль, млрд .ج.م															3.39	4.24	3.51	4.41	2.39	6.06	7.99	8.35	7.23	11.92	8.31	14.49
EBIT, млрд .ج.م	-0.4324	0.3137																							-0.0594	-185.18
Баланс стоимость, млрд .ج.م													62.85	66.01	68.85	65.18	65.52	64.46	66.21	61.55	68.51			100.83	72.31	9.36
FCF, млрд .ج.م													15.38	24.29	-17.46	46.71	-25.08	51.84	-8.3	48.46	119.66			117.19	65.77	17.72
Операционный денежный поток, млрд .ج.م													-4.19	6.23	-20.19	25.02	-24.68	-18.09	-41.72	48.92	119.93			117.62	45.33	-245.41
Операционная прибыль, млрд .ج.م											4.41	4.9		5.83	3.79	9.95	1.71	3.32	1.95	4.96	10.35				4.46	43.35
Операционные расходы, млрд .ج.م			0.9649	1.18	1.19	1.39	1.36	2.96	1.46	1.82	1.62	1.94													1.96	-8.10
CAPEX, млрд .ج.م													0.1817	0.1468	0.3037	0.093	0.2388	0.2247	0.477	0.4579	0.2697			0.4374	0.3733	14.25

Cash flow Cash flow quarterly Assets

Balance sheet

IFRS

Reporting Annual Quarterly

	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	LTM	5 year average	CAGR 5
Наличность, млрд .ج.م		22.58	68.53	59.98	66.58	56.64	121.19	123.63	181.35	302.97	302.97	157.16	39.85
Short Term Investments .ج.م	4.27	0	0	0								4.27	0.00
Long term investments .ج.م	59.15	77.84	101.3	137.52	157.74	197.87	174.15	214.42	240.67	272.69		219.96	6.62
Total Receivables .ج.م	7.08	1.55	4.26	13.33	14.52	14.78	17.8	24.38	48.32			23.96	27.18
Total Current Assets .ج.م	32.95	42.48	82.36	73.68	78.16	66.07	129.78	134.17	196.47			120.93	20.24
Чистые активы, млрд .ج.م	0.7286	0.7953	0.9545	0.975	1.05	1.32	1.36	1.39	1.5			1.32	7.39
Активы, млрд .ج.م		179.5	267.54	294.78	342.46	386.74	427.84	498.24	635.83	834.87	834.87	556.70	16.64
Short Term Debt .ج.م	0.2013					0.0594						0.1303	-45.68
Long Term Debt .ج.م	0.0416	0.0344	0.0145	3.67	3.59	3.21						2.10	147.74
Задолженность, млрд .ج.م		162.92	246.04	266.34	308.23	334.86	367.88	428.93	567.49	744.22	744.22	488.68	17.32
Чистый долг, млрд .ج.م						-53.37						-53.3700	0.00
Долг, млрд .ج.م	0.2429					3.27						1.76	266.91
Interest income .ج.م			19.14	28.67	37.4	42.6	42.2	45.08	55.72	104.03		57.93	19.55
Расходы на обслуживание долга .ج.م					19.26	21.02	17.02	20.11	24.72	51.1	51.1	26.79	19.44
Чист. проц. доходы, млрд .ج.م			10.02	12.5	18.14	21.58	25.17	24.97	31	52.93	2.13	31.13	19.65
Goodwill .ج.م		0.2098					0.1788	0.1375	0.0963			0.1556	-17.69
Товарно материальные запасы .ج.م	0.0274	0.0526	0.0566	0.0451	0.2765	0.3564	0.1699	0.1534	0.1241			0.2161	-14.80

	2016Q4	2017Q1	2017Q2	2017Q3	2017Q4	2018Q1	2018Q2	2018Q3	2018Q4	2019Q1	2019Q2	2019Q3	2019Q4	2020Q1	2020Q3	2020Q4	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2024Q1	5 quarters average	CAGR 5
Наличность, млрд .ج.م																		111.34	105.56	123.63	151.66	98.9	134.32	181.35	223.14	315.8	329.45	236.81	19.65
Short Term Investments .ج.م	2.16	2.21	1.83	3.11	3.06	2.61																						2.56	3.38
Long term investments .ج.م																	193.93	211.63	233.83	214.42	201.86	237.9	264.82	245.04	231.9	237.31		243.39	-0.05
Total Receivables .ج.م															8.96	17.8	42.48	28.8	16.98	24.38	10.96	11.38	23.91	48.32				23.79	14.66
Total Current Assets .ج.م															93.28	129.89	119.93	111.84	106.03	134.17	161.05	110.4	144.37	196.47				149.29	7.93
Чистые активы, млрд .ج.م															1.41	1.36	1.38	1.36	1.42	1.39	1.38	1.49	1.46	1.5				1.44	1.53
Активы, млрд .ج.م																		469.15	493.03	498.24	524.82	523.46	592.37	642.07	686.29	796.29	977.15	738.83	10.53
Short Term Debt .ج.م		0.3191	0.2329	0.1363	0.1258	0.1556	0.1118					0.1399	0.0594															0.1185	-13.94
Long Term Debt .ج.م				0.0051	3.55	3.53	3.59	3.59	3.72	3.47	3.35	3.26	3.21															3.40	-2.91
Задолженность, млрд .ج.م																		405.82	426.57	428.93	459.13	457.42	527.36	575.28	624.62	727.66	876.16	666.22	10.69
Долг, млрд .ج.م		0.3282	0.2373	0.1414	3.67	3.69	3.7					3.4	3.27															3.55	-2.28
Interest income .ج.م																	10.12	10.9	11.64	12.42	12.01	12.31	14.63	16.79	19.82	25.29		17.77	15.49
Расходы на обслуживание долга .ج.م																		4.88	5.18	5.61	5.29	5.3	6.54	7.71	8.94	12.28	17.85	10.66	22.24
Чист. проц. доходы, млрд .ج.م																		6.02	6.46	6.81	6.72	7.01	8.09	9.08	10.88	13.01	0.7518	8.36	-37.82
Goodwill .ج.م																	0.1685	0.1582	0.1478	0.1375	0.1272	0.1169	0.1066	0.2063	0.086	0.0756		0.1183	-8.35
Товарно материальные запасы .ج.م											0.2745	0.273	0.3564	0.3564		0.1699				0.1534	0.1534	0.1534	0.1485	0.1241				0.1466	-4.15

Share

IFRS

Reporting Annual Quarterly

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	5 year average	CAGR 5
EPS	0.2708	0.2552	0.2574	0.3273	0.4599	3.85	4.03	5.4	9.81			9.81	4.71	84.42
Цена акции ао			4.22	4.25	3.95	3.8	3.16	1.17	1.33	1.57	1.57	1.57	1.76	-13.06
Число акций ао, млн				47.28	47.62	47.9	63.86	2982.51	3019.5			3019.5	1232.28	129.31
FCF/акцию				17.98	13.83	19.01	15.47	21.41	57.17			57.17	25.38	32.82

	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2025Q1	2025Q2	5 quarters average	CAGR 5
EPS	1.09	1.24	1.04	1.31	1.18	0.0586	2.65	0.0889	0.0785	3.95			1.37	132.13
Цена акции ао		3.07	2.24	1.82	1.25	1.47	1.21	1.18	1.33		1.57	1.57	1.37	5.35
FCF/акцию		23.71	-8.41	17.38	-2.78	16.25	39.63			38.81			21.86	17.43

	5 quarters average	CAGR 5

Efficiency

IFRS

Reporting Annual Quarterly

	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
ROE, %		28.6	28.11	26.43	27.99	22.75	17.21	19.28	23.59	37.46			32.75	20.26	24.06	10.49
ROA, %		2.63	2.25	2.55	2.8	3.05	2.39	2.66	2.84	4.03			3.55	5.10	2.99	5.73
ROIC, %	29.28	28.19	28.74	20.85	25.54	26.29								7.36	25.92	-1.39
ROS, %				47.01	43.3	46.59	35.97	45.92	44.24	49.4	49.4	49.4	49.4	30.53	47.67	1.47
ROCE, %												0	0	8.03
Ebit margin, %												0	0
Рентаб EBITDA, %			69.09	63.84	60.59	67.28	54.82	54.82	0	0		0	0	25.01	60.27	-3.00
Чистая рентаб, %		52.34	49.39	47.01	43.3	46.59	35.97	45.92	44.24	49.4			49.4	30.53	44.42	1.18
Operation Margin, %	63.91	71.76	68.48	57.94	59.56	66.22				0	0	0	0	28.21	64.79	-1.59

	2016Q4	2017Q1	2017Q2	2017Q3	2017Q4	2018Q1	2018Q2	2018Q3	2018Q4	2019Q1	2019Q2	2019Q3	2019Q4	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2024Q1	2025Q2	Industry average	5 quarters average	CAGR 5
ROE, %														5.12	5.78	4.93	6.51	5.36	6.84	3.61	9.85	12.32	17.1		20.26	9.94	20.11
ROA, %														0.6857	0.7733	0.6814	0.8087	0.6707	0.7442	0.3719	0.8837	1.08	1.34		5.10	0.8840	12.48
ROIC, %		8.97	9.83	15.81	12.49	13.22	15.84																		7.36	13.44	10.01
ROS, %															51.51	43.6	47.09	44.7	47.51	20.12	45.99	53.61	52.05	49.4	30.53	44.23	19.68
ROCE, %	-36.85	25.73																							8.03	-5.5600	-183.56
Чистая рентаб, %														46.31	51.51	43.6	47.09	44.7	47.51	20.12	45.99	53.61	52.05		30.53	43.86	1.84
Operation Margin, %				74.36	69.7	70.85	68.93	72.03	51.48	72.14	63.67	68.55	68.1												28.21	64.79	5.76

Coefficients

IFRS

Reporting Annual Quarterly

	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
P/E		0.69	0.53	0.48	0.38	0.36	0.55	0.42	5.34	4.19			4.18	13.47	2.17	63.37
P/BV		0.2	0.15	0.13	0.11	0.08	0.09	0.07	1.26	1.37			1.37	1.74	0.5740	76.49
P/S		0.36	0.26	0.22	0.17	0.17	0.2	0.15	2.36	2.07			2.06	3.06	0.9900	64.86
P/FCF			-0.09	-0.19	-0.44	3.67	-0.65	-0.49		2.46	0.0295	0.0295	0.0295	2.82	0.2758	-153.87
E/P			190.44	209.21	261.91	277.65	182.33	240.57		0.1026	5.82	5.82	5.82	87.84	86.93	-49.79
EV/EBIT											0	0	0
EV/EBITDA	-2.38	-2.88	-7.78	-5.16	-4.42	-2.88	-7.41	-7.49						-135.55	-5.4720	7.74
EV/S										0	0	0	0	1.56
EV/FCF											0	0	0	2.03
Debt/EBITDA										0	0	0	0	-179.19
Netdebt/Ebitda			-8.15	-5.52	-4.7	-3.13	-7.77	-7.77		0	0	0	0	208.29	-5.7780	7.08
Debt/Ratio			0.92	0.9	0.9	0.0085	0.86	0.86		0	0	0	0	0.12	0.7057	-0.91
Debt/Equity			11.51	9.37	9.01	0.0631	6.19	6.19		0	0	8.21	8.21	8.42	5.93	-1.84
Debt/Net Income	0.0731					0.2773				0	0	0	0	17.86	0.1752	94.77
PEG												0.0064	0.0064		0.0064	0.00
Бета									0	1.6	0	0	0	0.69	1.60	0.00
Индекс Альтмана				-0.63	-0.61	-0.49	-0.32	-0.32	0	0.3893	0.1289	0.1289	0.1289	54.78	0.0014	-183.37

	2017Q1	2017Q2	2017Q3	2017Q4	2018Q1	2018Q2	2019Q3	2019Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2024Q1	2025Q1	2025Q2	Industry average	5 quarters average	CAGR 5
P/E									4.07	3.8	4.23	5.14	7.09	5.37	6.75			13.47	5.72	9.80
P/BV									0.9762	1.2	1.27	1.29	1.88	1.64	1.9			1.74	1.60	8.39
P/S									1.92	1.78	1.94	2.02	2.75	2.27	3.04			3.06	2.40	9.40
P/FCF																	0.0295	2.82	0.0295	0.00
E/P																	5.82	87.84	5.82	0.00
Debt/Ratio	0.0217	0.0011	0.0005	0.0125	0.0119	0.0119	0.0091	0.0085										0.12	0.0108	-7.42
Debt/Equity	0.2692	0.0128	0.0053	0.1292	0.1326	0.1297	0.0714	0.0631									8.21	8.42	1.72	128.22
Debt/Net Income	3.42	0.1688	0.0678	1.97	1.82	1.54	1.07	1										17.86	1.48	-12.68
PEG																	0.0064		0.0064	0.00
Бета																0	0	0.69
Индекс Альтмана																0.1289	0.1289	54.78	0.1289	0.00

Dividends

IFRS

Reporting Annual Quarterly

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
Див.выплата, млрд	1.56	1.46	1.35	2.14	2.7	3.37	1.36	3.76	3.76			0.1094		2.99	6.85
Дивиденд	0.0502	0.0337	0.011	0.0226	0.0287	0.0394		0.0488	0.0173	0.0115		0		0.0291	-16.72
Див доход, ао, %		0.863	0.2543	0.4788	0.6523	1.01	2.08	2.74	5.25	0.8647		0	6.29	2.39	-3.06
Дивиденды / прибыль, %	33.07	24.35	17.97	22.37	22.88	32.92	10.25	27.37	12.67			12.67	49.09	21.22	-11.15
Dividend Coverage Ratio											270.88	270.88		270.88	0.00

	2012Q2	2013Q2	2014Q1	2015Q1	2016Q1	2017Q1	2018Q1	2019Q1	2020Q2	2020Q4	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q4	2023Q1	2023Q2	2024Q1	2025Q2	Industry average	5 quarters average	CAGR 5
Див.выплата, млрд										1.36	1.36	4.41	4.41	4.41	4.41		1.39	1.99	1.61	5.08			2.90	2.87
Дивиденд		0.0387	0.0458	0.0502	0.0337	0.011	0.0226	0.0287	0.0394							0.0488		0.0173					0.0314	-5.20
Див доход, ао, %	0.866	0.8859	0.9552	0.7061	0.9326	0.266	0.494	0.6523								2.18		1.18				6.29	0.9545	34.71
Дивиденды / прибыль, %										47.05	47.36	137.1	115.68	129.91	103.91		58.24	32.79	20.11	42.59		49.09	51.53	-16.34
Dividend Coverage Ratio																					270.88		270.88	0.00

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Other

IFRS

Reporting Annual Quarterly

	2019	2020	2021	2022	2023	2024	CAGR 5
CAPEX/Выручка, %	5.15	3.84	3.39	2.84	2.81		-11.41
Персонал, чел				7 560	7 700	7 917	1.55

	2023Q1	2023Q2	2024Q1	CAGR 5
CAPEX/Выручка, %	3.47	1.81	1.91	-18.05

	CAGR 5