Stock COMI COMMERCIAL INTERNATIONAL BANK (EGYPT) S.A.E.
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Financials Commercial International Bank (Egypt) S.A.E.

Equities

COMI

EGS60121C018

Banks

End-of-day quote Egyptian Exchange
Other stock markets
 06:00:00 2024-05-29 pm EDT 		5-day change 1st Jan Change
78.2 EGP +2.16% Intraday chart for Commercial International Bank (Egypt) S.A.E. +2.89% +7.64%
May. 13 Transcript : Commercial International Bank S.A.E., Q1 2024 Earnings Call, May 13, 2024
May. 12 Commercial International Bank S.A.E. Reports Earnings Results for the First Quarter Ended March 31, 2024 CI

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 121,963 87,464 104,403 123,715 219,367 236,125 - -
Enterprise Value (EV) 1 121,963 87,464 104,403 123,715 219,367 236,125 236,125 236,125
P/E ratio 11.4 x 9.53 x 8.74 x 8.68 x 8.31 x 5.21 x 4.85 x 4.04 x
Yield 1.51% 2.11% 2.55% - - 3.01% 4.66% 5.77%
Capitalization / Revenue 4.88 x 3.06 x 3.64 x 3.25 x 3.49 x 2.42 x 2.3 x 2.06 x
EV / Revenue 4.88 x 3.06 x 3.64 x 3.25 x 3.49 x 2.42 x 2.3 x 2.06 x
EV / EBITDA - - - - - - - -
EV / FCF - - - - - - - -
FCF Yield - - - - - - - -
Price to Book 2.35 x 1.47 x 1.52 x 1.83 x 2.42 x 1.81 x 1.42 x 1.1 x
Nbr of stocks (in thousands) 2,946,802 2,964,051 2,964,051 2,982,513 3,019,501 3,019,501 - -
Reference price 2 41.39 29.51 35.22 41.48 72.65 78.20 78.20 78.20
Announcement Date 2/4/20 3/1/21 2/21/22 2/13/23 2/11/24 - - -
1EGP in Million2EGP
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 24,998 28,578 28,659 38,047 62,787 97,655 102,477 114,810
EBITDA - - - - - - - -
EBIT 1 17,973 20,255 20,513 25,544 49,229 71,998 83,132 93,246
Operating Margin 71.9% 70.88% 71.58% 67.14% 78.41% 73.73% 81.12% 81.22%
Earnings before Tax (EBT) 1 16,537 15,236 18,833 23,941 38,561 71,005 74,232 88,782
Net income 1 11,804 10,238 13,272 16,114 26,542 46,655 48,816 57,399
Net margin 47.22% 35.83% 46.31% 42.35% 42.27% 47.77% 47.64% 49.99%
EPS 2 3.629 3.096 4.028 4.780 8.740 15.01 16.12 19.34
Free Cash Flow - - - - - - - -
FCF margin - - - - - - - -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - - - - - - -
Dividend per Share 2 0.6232 0.6230 0.8999 - - 2.350 3.646 4.514
Announcement Date 2/4/20 3/1/21 2/21/22 2/13/23 2/11/24 - - -
1EGP in Million2EGP
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4
Net sales 1 7,585 9,216 7,985 9,349 11,466 14,052 14,899 16,147 17,688 36,794 24,170 25,901 27,624
EBITDA - - - - - - - - - - - - -
EBIT 5,210 6,101 5,294 6,571 7,579 9,935 11,271 11,657 11,553 -3,851 - - -
Operating Margin 68.69% 66.19% 66.29% 70.29% 66.1% 70.7% 75.65% 72.19% 65.32% -10.47% - - -
Earnings before Tax (EBT) - - - - - - - - - - - - -
Net income 3,395 4,244 3,511 4,408 3,941 6,065 7,988 8,353 4,136 11,924 - - -
Net margin 44.76% 46.05% 43.97% 47.16% 34.37% 43.16% 53.61% 51.73% 23.38% 32.41% - - -
EPS 2 1.090 1.243 1.037 1.310 1.180 1.790 2.350 3.990 2.400 3.460 3.400 3.700 3.720
Dividend per Share 2 - - - - - - - - - - - - 1.200
Announcement Date 2/21/22 4/15/22 7/25/22 11/4/22 2/13/23 5/14/23 7/24/23 11/3/23 2/11/24 5/12/24 - - -
1EGP in Million2EGP
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net Debt - - - - - - - -
Net Cash position - - - - - - - -
Leverage (Debt/EBITDA) - - - - - - - -
Free Cash Flow - - - - - - - -
ROE (net income / shareholders' equity) 29.6% 18.4% 20.7% 25.1% 39.7% 42% 34.5% 29.8%
ROA (Net income/ Total Assets) 3.26% 2.51% 2.87% 2.86% 4.06% 4.73% 4.42% 4.24%
Assets 1 362,072 407,286 463,092 563,440 653,740 985,663 1,103,524 1,352,464
Book Value Per Share 2 17.60 20.10 23.20 22.70 30.00 43.30 55.30 71.10
Cash Flow per Share - - - - - - - -
Capex - - - - - - - -
Capex / Sales - - - - - - - -
Announcement Date 2/4/20 3/1/21 2/21/22 2/13/23 2/11/24 - - -
1EGP in Million2EGP
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for Commercial International Bank (Egypt) S.A.E.

Trading Rating
Investor Rating
ESG Refinitiv
B+
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
BUY
Number of Analysts
11
Last Close Price
78.2 EGP
Average target price
100.6 EGP
Spread / Average Target
+28.63%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

Sector Commercial Banks

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Commercial Banks
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