Stock CIEB CREDIT AGRICOLE - EGYPT BANK (S.A.E.)
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Financials Credit Agricole - Egypt Bank (S.A.E.)

Equities

CIEB

EGS60041C018

Banks

End-of-day quote Egyptian Exchange
Other stock markets
 06:00:00 2024-05-18 pm EDT 		5-day change 1st Jan Change
20.14 EGP +1.72% Intraday chart for Credit Agricole - Egypt Bank (S.A.E.) +2.81% -8.45%
May. 01 Credit Agricole - Egypt Bank (S.A.E.) Reports Earnings Results for the First Quarter Ended March 31, 2024 CI
Feb. 13 Credit Agricole - Egypt Bank (S.A.E.) Reports Earnings Results for the Full Year Ended December 31, 2023 CI

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 13,568 9,023 10,525 10,575 27,500 25,175 - -
Enterprise Value (EV) 1 13,568 9,023 10,525 10,575 27,500 25,175 25,175 25,175
P/E ratio 5.75 x 7.29 x 7.26 x 4.86 x 5.95 x 3.06 x 3.3 x 2.96 x
Yield 7.84% - 8.79% - - 6.45% 10.7% 11.9%
Capitalization / Revenue 3.34 x 2.49 x 2.77 x 2.13 x 2.9 x 1.88 x 1.84 x 1.7 x
EV / Revenue 3.34 x 2.49 x 2.77 x 2.13 x 2.9 x 1.88 x 1.84 x 1.7 x
EV / EBITDA - - - - - - - -
EV / FCF - - - - - - - -
FCF Yield - - - - - - - -
Price to Book 1.89 x 1.25 x 1.22 x 1.07 x 1.9 x 1.26 x 1.09 x 0.93 x
Nbr of stocks (in thousands) 1,250,000 1,250,000 1,250,000 1,250,000 1,250,000 1,250,000 - -
Reference price 2 10.85 7.218 8.420 8.460 22.00 20.14 20.14 20.14
Announcement Date 2/17/20 2/25/21 2/21/22 2/9/23 2/13/24 - - -
1EGP in Million2EGP
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 4,065 3,616 3,799 4,971 9,489 13,395 13,661 14,805
EBITDA - - - - - - - -
EBIT 1 2,815 2,302 2,532 3,504 7,336 9,626 10,478 11,768
Operating Margin 69.25% 63.66% 66.65% 70.49% 77.3% 71.86% 76.7% 79.49%
Earnings before Tax (EBT) 1 3,037 1,938 2,211 3,305 6,917 10,563 9,139 9,840
Net income 1 2,360 1,365 1,592 2,419 5,166 7,513 8,060 8,915
Net margin 58.05% 37.76% 41.92% 48.67% 54.44% 56.09% 59% 60.21%
EPS 2 1.888 0.9900 1.160 1.740 3.700 6.590 6.100 6.800
Free Cash Flow - - - - - - - -
FCF margin - - - - - - - -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - - - - - - -
Dividend per Share 2 0.8507 - 0.7400 - - 1.300 2.147 2.390
Announcement Date 2/17/20 2/25/21 2/21/22 2/9/23 2/13/24 - - -
1EGP in Million2EGP
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 S1 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1
Net sales 1 - 968.8 1,014 1,111 1,264 1,581 2,118 2,318 2,420 2,633 3,008
EBITDA - - - - - - - - - - -
EBIT 1 - 643.4 635.8 730.9 870.8 1,266 1,668 1,824 1,821 2,022 2,365
Operating Margin - 66.41% 62.67% 65.77% 68.89% 80.1% 78.74% 78.7% 75.25% 76.8% 78.61%
Earnings before Tax (EBT) - - - - - - - - - - -
Net income 1 767.1 412.6 491.5 523.7 586.2 817.7 1,224 1,289 1,299 1,354 2,289
Net margin - 42.59% 48.45% 47.13% 46.37% 51.72% 57.78% 55.62% 53.69% 51.42% 76.1%
EPS - - - - - - - - - - -
Dividend per Share - - - - - - - - - - -
Announcement Date 8/11/21 2/21/22 5/15/22 8/9/22 11/15/22 2/9/23 5/15/23 8/3/23 11/12/23 2/13/24 5/1/24
1EGP in Million
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) 35.4% 19% 20% 26% 42.3% 37.9% 35.1% 32.2%
ROA (Net income/ Total Assets) 4.54% 2.68% 2.84% 3.56% 5.69% 6.3% 5.5% 5.28%
Assets 1 52,033 50,982 56,169 67,877 90,772 119,254 146,643 168,951
Book Value Per Share 2 5.740 5.790 6.930 7.930 11.60 16.00 18.50 21.60
Cash Flow per Share - - - - - - - -
Capex - - - - - - - -
Capex / Sales - - - - - - - -
Announcement Date 2/17/20 2/25/21 2/21/22 2/9/23 2/13/24 - - -
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 Credit Agricole - Egypt Bank (S.A.E.)

Trading Rating
Investor Rating
ESG Refinitiv
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
BUY
Number of Analysts
5
Last Close Price
20.14 EGP
Average target price
27.88 EGP
Spread / Average Target
+38.43%
Consensus

EPS Revisions

Estimates Revisions

Quarterly revenue - Rate of surprise

Company calendar

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