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

USD1.43 +0.00 (+0.00%)
EG OTC Financial Services Banks - Regional
Address Nile Tower Building
Giza, EG
CEO Amin Hisham Ezz Al-Arab
Website cibeg.com
IPO 2009-10-26
ISIN US2017122050

Explore sections of this company profile

Also trades on International Order Book · CBKD.IL (USD) London Stock Exchange · CBKD.L (USD) Other OTC · CIBEY (USD) Other OTC · CMGGF (USD)
Description

Commercial International Bank (Egypt) S.A.E (CIB) is a leading financial institution in Egypt, providing a comprehensive range of retail, corporate, and investment banking solutions. The bank organizes its operations into four main segments: Corporate Banking, Investment, Retail Banking, and Others. For its individual customers, CIB offers various deposit products such as checking, savings, and easy accounts, alongside time deposits and certificates of deposit. Its extensive lending portfolio includes personal, overdraft, mortgage, educational, solar, travel, car finance, and unsecured personal loans, in addition to revolving overdraft salary advance services. The bank also facilitates modern payment and access methods through credit, debit, and prepaid cards, a smart wallet, and digital banking channels like mobile, internet, and phone banking, complemented by ATM services. Addressing the needs of its corporate and institutional clients, CIB delivers global transaction services, sophisticated digital banking platforms, and comprehensive cash management solutions. Its specialized offerings further include structured financing, corporate leasing, advisory services for mergers and acquisitions, and trading in various financial instruments. Additionally, the bank provides other credit facilities, derivative products, foreign currency services, asset-liability management, and a selection of investment savings products. CIB operates through an extensive network of 215 branches across Egypt. Founded in 1975, the bank maintains its headquarters in Giza, Egypt, and was previously known as Chase National Bank.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
USD1.43 +0.00 (+0.00%)
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Volume Profile
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Liquidity & share structure
Average Volume
269.1K
Beta
0.55
Float Shares
2.68B
Free Float %
81.3%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+0.00% -0.19% -0.19% -0.19% -0.19% -0.19% -0.19% +29.75% -17.02% +1.95% -2.24%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
1.43
DCF (Unlevered) 6.39 +347.9%
DCF (Levered) 24.31 +1,603.4%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Ratings Trend (MoM)
Rating 2024-11 Change
Strong Buy 0 0
Buy 0 0
Hold 0 0
Sell 0 0
Strong Sell 0 0
Quality scores
Altman Z-Score
0.65
Distress
Piotroski F-Score
5 / 9
Average
Operational MOAT
  • Revenue growth
    +95.7% Q1'26: +17.0% (vs Q1'25)
  • EPS growth
    +11.5% Q1'26: +10.3% (vs Q1'25)
  • FCF margin
    Q1'26: +2.7% (vs Q1'25)
  • EBIT margin
    Q1'26: +43.8% (vs Q1'25)
  • ROIC
    Q1'26: +61.8% (vs Q1'25)
  • Share dilution
    +11.2% Q1'26: +11.4% (vs Q1'25)
  • Debt / EBITDA
    Q1'26: 0.46× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.59) × ERP
WACC = 88% × Ke + 12% × Kd (294.9%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 6.87 Current price: 1.43
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Dec 2015
actual
Dec 2016
actual
Dec 2017
actual
Dec 2018
actual
Dec 2019
actual
Dec 2020
actual
Dec 2021
actual
Dec 2022
actual
Dec 2023
actual
Dec 2024
actual
Dec 2025
actual
Dec 2026
4 Rev. Ana.
1 EPS Ana.
Dec 2027
7 Rev. Ana.
1 EPS Ana.
Dec 2028
4 Rev. Ana.
1 EPS Ana.
Dec 2029
3 Rev. Ana.
1 EPS Ana.
Dec 2030
6 Rev. Ana.
1 EPS Ana.
Revenue
10.52B
est: 10.33B (+1.8%)
12.17B
est: 12.54B (-3.0%)
15.99B
est: 16.24B (-1.6%)
21.94B
est: 20.37B (+7.7%)
25.14B
est: 25.77B (-2.5%)
28.46B
est: 27.09B (+5.1%)
28.90B
est: 27.36B (+5.7%)
36.42B
est: 29.47B (+23.6%)
58.50B
est: 54.96B (+6.4%)
114.75B
est: 105.97B (+8.3%)
224.56B
est: 117.93B (+90.4%)
128.81B
127.10B – 129.57B
+9.2% YoY
142.40B
132.69B – 159.99B
+10.6% YoY
156.35B
149.78B – 166.90B
+9.8% YoY
176.79B
169.36B – 188.72B
+13.1% YoY
203.21B
194.67B – 216.92B
+14.9% YoY
EBITDA
est: 7.53B (-100.0%)
est: 9.14B (-100.0%)
est: 11.84B (-100.0%)
est: 14.85B (-100.0%)
est: 18.79B (-100.0%)
est: 19.75B (-100.0%)
est: 19.94B (-100.0%)
est: 13.12B (-100.0%)
78.21B
est: 25.18B (+210.6%)
113.78B
est: 28.03B (+306.0%)
30.61B
30.21B – 30.79B
+9.2% YoY
33.84B
31.54B – 38.02B
+10.6% YoY
37.16B
35.60B – 39.66B
+9.8% YoY
42.02B
40.25B – 44.85B
+13.1% YoY
48.29B
46.26B – 51.55B
+14.9% YoY
EBIT
-209.96M
est: 7.31B (-102.9%)
-415.59M
est: 8.87B (-104.7%)
-481.21M
est: 11.49B (-104.2%)
-521.04M
est: 14.42B (-103.6%)
-815.26M
est: 18.24B (-104.5%)
-767.45M
est: 19.17B (-104.0%)
-936.68M
est: 19.36B (-104.8%)
-937.42M
est: -782.06M (-19.9%)
-908.67M
est: 12.24B (-107.4%)
77.14B
est: 23.22B (+232.3%)
111.58B
est: 25.83B (+331.9%)
28.22B
27.84B – 28.39B
+9.2% YoY
31.20B
29.07B – 35.05B
+10.6% YoY
34.25B
32.81B – 36.56B
+9.8% YoY
38.73B
37.10B – 41.34B
+13.1% YoY
44.52B
42.65B – 47.52B
+14.9% YoY
Net Income
4.11B
est: 4.84B (-15.2%)
5.26B
est: 6.12B (-14.0%)
6.68B
est: 7.89B (-15.3%)
8.46B
est: 9.01B (-6.2%)
10.44B
est: 11.87B (-12.0%)
10.24B
est: 9.68B (+5.8%)
13.27B
est: 12.66B (+4.9%)
16.11B
est: 13.32B (+21.0%)
29.63B
est: 24.61B (+20.4%)
55.20B
est: 53.62B (+2.9%)
82.24B
est: 71.69B (+14.7%)
71.53B
67.62B – 77.80B
-0.2% YoY
78.28B
74.00B – 85.15B
+9.4% YoY
85.59B
80.91B – 93.10B
+9.3% YoY
103.00B
97.37B – 112.03B
+20.3% YoY
119.12B
112.61B – 129.57B
+15.7% YoY
SGA
646.35M
est: 882.26M (-26.7%)
1.15B
est: 1.07B (+7.3%)
1.38B
est: 1.39B (-0.8%)
1.28B
est: 1.74B (-26.6%)
2.24B
est: 2.20B (+1.8%)
2.45B
est: 2.31B (+6.0%)
2.68B
est: 2.34B (+14.7%)
3.30B
est: 2.52B (+31.2%)
10.08B
est: 3.18B (+217.3%)
5.94B
est: 9.42B (-37.0%)
8.30B
est: 10.48B (-20.8%)
11.45B
11.30B – 11.52B
+9.2% YoY
12.66B
11.79B – 14.22B
+10.6% YoY
13.90B
13.31B – 14.83B
+9.8% YoY
15.71B
15.05B – 16.77B
+13.1% YoY
18.06B
17.30B – 19.28B
+14.9% YoY
EPS
1.47
est: 1.59 (-7.8%)
1.82
est: 2.01 (-9.6%)
2.30
est: 2.60 (-11.4%)
2.90
est: 2.97 (-2.3%)
4.13
est: 3.91 (+5.7%)
3.48
est: 3.19 (+9.2%)
4.06
est: 4.17 (-2.6%)
4.83
est: 4.38 (+10.2%)
7.40
est: 8.01 (-7.7%)
16.39
est: 15.70 (+4.4%)
18.25
est: 21.00 (-13.1%)
20.95
19.80 – 22.78
-0.2% YoY
22.92
21.67 – 24.94
+9.4% YoY
25.06
23.69 – 27.26
+9.3% YoY
30.16
28.52 – 32.81
+20.3% YoY
34.89
32.98 – 37.94
+15.7% YoY

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
70.62B
OE per share TTM
24.41
Owner's Yield
1,461.95%
Maintenance CapEx ratio
0.21%
Maint CapEx / Avg PPE
6.0%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock Held by 10 ETFs in our universe
# ETF Weight Est. AUM exposure TER
1 Capital Group New Geography Equity ETF CGNG 0.14% 3.72M 0.64%
2 Avantis Emerging Markets ex-China Equity ETF AVXC 0.14% 569.9K 0.33%
3 Lazard International Dynamic Equity ETF IDEQ 0.13% 1.67M 0.40%
4 Avantis Emerging Markets Equity ETF AVEM 0.12% 31.21M 0.33%
5 Avantis Responsible Emerging Markets Equity ETF AVSE 0.11% 251.5K 0.33%
6 Xtrackers MSCI Emerging Markets ESG UCITS ETF 1C XZEM.L 0.11% 1.73M 0.25%
7 Avantis Emerging Markets Equity UCITS ETF USD Acc AVEM.L 0.09% 229.6K 0.35%
8 Xtrackers MSCI Emerging Markets UCITS ETF 1D XEMD.L 0.05% 7.13M 0.18%
9 Xtrackers MSCI Emerging Markets UCITS ETF 1C XMME.L 0.05% 7.13M 0.18%
10 FlexShares Morningstar Emerging Markets Factor Tilt Index Fund TLTE 0.00% 1.2K 0.58%

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
13.42M
Shares Outstanding
3.30B

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Aboelhasan Amer Ahmed Amin Head of Litigation & Implementation Group male
Amin Hisham Ezz Al-Arab Chief Executive Officer & Director male
Amr El-Ganainy Deputy Chief Executive Officer & Executive Director male
Islam Osama Zekry Group Chief Finance & Operation Officer and Executive Director male
Mahmoud Abbas Mohamed Ahmed Chief Legal Officer male
Nelly El Zeneiny Investor Relations Officer female
Omar El-Husseiny Chief Global Markets Executive male
Rashwan Hammady Chief Retail, Commercial Banking & Financial Inclusion Executive male
Tony Paul Prestedge Executive Advisor male
Yasmine Hemeda Head of Investor Relations female
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits