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 2024-04-27 pm EDT 		5-day change 1st Jan Change
17.67 EGP -5.51% Intraday chart for Credit Agricole - Egypt Bank (S.A.E.) -17.81% -19.68%
Feb. 13 Credit Agricole - Egypt Bank (S.A.E.) Reports Earnings Results for the Full Year Ended December 31, 2023 CI
Feb. 02 Credit Agricole - Egypt Bank (S.A.E.)(CASE:CIEB) dropped from EGX 30 Index 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 22,088 - -
Enterprise Value (EV) 1 13,568 9,023 10,525 10,575 27,500 22,088 22,088 22,088
P/E ratio 5.75 x 7.29 x 7.26 x 4.86 x - 3.19 x 3.14 x 2.6 x
Yield 7.84% - 8.79% - - 10.2% 12% 17.2%
Capitalization / Revenue 3.34 x 2.49 x 2.77 x 2.13 x 2.9 x 1.74 x 1.65 x 1.4 x
EV / Revenue 3.34 x 2.49 x 2.77 x 2.13 x 2.9 x 1.74 x 1.65 x 1.4 x
EV / EBITDA - - - - - - - -
EV / FCF - - - - - - - -
FCF Yield - - - - - - - -
Price to Book 1.89 x 1.25 x 1.22 x 1.07 x - 1.18 x 0.98 x 0.84 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 17.67 17.67 17.67
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 12,684 13,377 15,723
EBITDA - - - - - - - -
EBIT 1 2,815 2,302 2,532 3,504 7,336 9,626 10,091 11,768
Operating Margin 69.25% 63.66% 66.65% 70.49% 77.3% 75.89% 75.43% 74.85%
Earnings before Tax (EBT) 1 3,037 1,938 2,211 3,305 6,917 6,919 8,900 10,032
Net income 1 2,360 1,365 1,592 2,419 5,166 7,162 7,910 9,537
Net margin 58.05% 37.76% 41.92% 48.67% 54.44% 56.46% 59.13% 60.66%
EPS 2 1.888 0.9900 1.160 1.740 - 5.540 5.633 6.800
Free Cash Flow - - - - - - - -
FCF margin - - - - - - - -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - - - - - - -
Dividend per Share 2 0.8507 - 0.7400 - - 1.797 2.113 3.035
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 Q3 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1
Net sales 1 - 950.8 968.8 1,014 1,111 1,264 1,581 2,118 2,318 2,420 2,633 2,935
EBITDA - - - - - - - - - - - -
EBIT 1 - 603 643.4 635.8 730.9 870.8 1,266 1,668 1,824 1,821 2,022 2,315
Operating Margin - 63.42% 66.41% 62.67% 65.77% 68.89% 80.1% 78.74% 78.7% 75.25% 76.8% 78.88%
Earnings before Tax (EBT) - - - - - - - - - - - -
Net income 1 767.1 412.7 412.6 491.5 523.7 586.2 817.7 1,224 1,289 1,299 1,354 1,550
Net margin - 43.41% 42.59% 48.45% 47.13% 46.37% 51.72% 57.78% 55.62% 53.69% 51.42% 52.81%
EPS - - - - - - - - - - - -
Dividend per Share - - - - - - - - - - - -
Announcement Date 8/11/21 11/7/21 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 -
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% - 36.1% 34.9% 36%
ROA (Net income/ Total Assets) 4.54% 2.68% 2.84% 3.56% - 6.18% 5.26% 5.77%
Assets 1 52,033 50,982 56,169 67,877 - 115,890 150,276 165,435
Book Value Per Share 2 5.740 5.790 6.930 7.930 - 15.00 18.00 21.10
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
6
Last Close Price
17.67 EGP
Average target price
26.47 EGP
Spread / Average Target
+49.78%
Consensus

EPS Revisions

Estimates Revisions

Quarterly revenue - Rate of surprise

Company calendar

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