Cash flow EFG Holding Company S.A.E

Equities

HRHO

EGS69101C011

Investment Banking & Brokerage Services

End-of-day quote Egyptian Exchange Other stock markets 2026-05-20			5-day change	1st Jan Change
26.20 ^EGP	-2.67%		-9.75%	+5.14%

May. 05	EFG Holding Company S.A.E Approves Cash Dividend	CI
May. 05	EFG Holding S.A.E. Announces Board Appointments	CI

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Published financial data: EFG HOLDING COMPANY S.A.E

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest and Dividend Income, Total	4.45B	9.3B	13.57B	22.41B	27.11B
Interest Expense, Total	1.83B	5.7B	8.86B	15.31B	19.54B
Net Interest Income	2.62B	3.6B	4.7B	7.1B	7.57B
Brokerage Commission	3.4B	4.8B	7.16B	11.45B	14.01B
Gain (Loss) on Sale of Investments, Total (Rev)	-83.46M	76M	1.58B	3.67B	1.42B
Other Revenues, Total	221M	458M	776M	-290M	4.43B
Revenues Before Provison For Loan Losses	6.15B	8.94B	14.22B	21.93B	27.42B
Provision For Loan Losses	104M	532M	843M	-	854M
Total Revenues	6.05B	8.41B	13.38B	21.93B	26.57B
Salaries And Other Employee Benefits	150M	139M	131M	73.94M	83.89M
Cost of Services Provided, Total	3.86B	6.8B	9.2B	16B	18.15B
Depreciation & Amortization - (IS) - (Collected)	194M	296M	477M	634M	895M
Provision for Bad Debts	34.77M	167M	188M	-	-14.8M
Other Operating Expenses	97.42M	157M	235M	666M	330M
Total Operating Expenses	4.34B	7.56B	10.23B	17.37B	19.44B
Operating Income	1.71B	855M	3.15B	4.56B	7.13B
Income (Loss) on Equity Invest.	-	-	-	-	-
Currency Exchange Gains (Loss)	234M	2.5B	1.15B	2.91B	595M
Other Non Operating Income (Expenses)	-5.67M	-21.17M	-38.06M	-40.68M	-114M
EBT, Excl. Unusual Items	1.94B	3.33B	4.27B	7.43B	7.61B
Impairment of Goodwill	-16.03M	-10.24M	-12M	-	-
Gain (Loss) on Sale of Investments	1.66M	-27.23M	138K	-	-14.5M
Gain (Loss) on Sale of Assets	3.86M	5.49M	9.8M	30.53M	-
Asset Writedown	-	-	-	-	-100M
EBT, Incl. Unusual Items	1.93B	3.3B	4.26B	7.46B	7.49B
Income Tax Expense	351M	1.1B	1.09B	2.37B	1.24B
Earnings From Continuing Operations	1.57B	2.19B	3.17B	5.09B	6.25B
Earnings Of Discontinued Operations	-	-	-	-	-
Net Income to Company	1.57B	2.19B	3.17B	5.09B	6.25B
Minority Interest	-118M	-354M	-672M	-988M	-2.2B
Net Income - (IS)	1.46B	1.84B	2.5B	4.1B	4.06B
Net Income to Common Incl Extra Items	1.46B	1.84B	2.5B	4.1B	4.06B
Net Income to Common Excl. Extra Items	1.46B	1.84B	2.5B	4.1B	4.06B
Per Share Items
Net EPS - Basic	1	1.26	1.71	2.84	2.83
Basic EPS - Continuing Operations	1	1.26	1.71	2.84	2.83
Basic Weighted Average Shares Outstanding	1.46B	1.46B	1.46B	1.45B	1.44B
Net EPS - Diluted	1	1.26	1.71	2.84	2.83
Diluted EPS - Continuing Operations	1	1.26	1.71	2.84	2.83
Diluted Weighted Average Shares Outstanding	1.46B	1.46B	1.46B	1.45B	1.44B
Normalized Basic EPS	0.75	1.18	1.37	2.53	1.78
Normalized Diluted EPS	0.75	1.18	1.37	2.53	1.78
Dividend Per Share	-	-	-	-	-
Payout Ratio	2.96	20.55	19.81	15.16	19.24
American Depositary Receipts Ratio (ADR)	2	2	2	2	2
Supplemental Items
Total Revenues (As Reported)	-	-	-	-	-
Effective Tax Rate - (Ratio)	18.22	33.47	25.65	31.79	16.54
Total Current Taxes	367M	703M	948M	1.44B	2.41B
Total Deferred Taxes	-16.48M	401M	146M	931M	-1.17B
Normalized Net Income	1.09B	1.73B	1.99B	3.65B	2.56B
Non-Cash Pension Expense	-	-	-	4.85M	5.36M
Supplemental Operating Expense Items
Stock-Based Comp., G&A Exp. (Total)	150M	139M	131M	73.94M	83.89M
Total Stock-Based Compensation	150M	139M	131M	73.94M	83.89M

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	30.88B	26.21B	32.25B	51.54B	46.77B
Accounts Receivable, Total	1.03B	1.51B	1.8B	3.47B	5.26B
Other Receivables	15.72B	18.73B	24.99B	73.72B	95.71B
Gross Property Plant And Equipment	2.17B	3.21B	4.09B	-	7.13B
Accumulated Depreciation	-1.17B	-1.57B	-1.91B	-	-3.12B
Net Property Plant And Equipment	999M	1.64B	2.18B	2.98B	4B
Goodwill	994M	1.75B	1.7B	1.56B	1.18B
Other Intangibles, Total	113M	203M	612M	934M	720M
Investment In Debt and Equity Securities	26.87B	25.6B	22.88B	24.86B	38.16B
Trading Asset Securities, Total	8B	6.77B	9.2B	23.49B	34.41B
Other Current Assets, Total	1.45B	1.95B	2.3B	3.2B	2.45B
Deferred Tax Assets Long-Term (Collected)	47.61M	64.49M	126M	234M	207M
Other Long-Term Assets, Total	10.49B	21.07B	23.87B	895M	1.78B
Total Assets	96.59B	106B	122B	187B	231B
Liabilities
Accounts Payable, Total	12.78B	10.36B	12.44B	29.19B	38.24B
Accrued Expenses, Total	1.82B	2.93B	3.7B	8.21B	6.56B
Short-Term Borrowings	9.37B	11.54B	12.96B	19.54B	20.92B
Current Portion of Long-Term Debt	10.54B	1.63B	2.35B	8.84B	21.37B
Current Portion of Leases	-	-	-	-	280M
Long-Term Debt	2.82B	3.91B	4.95B	6.76B	8.42B
Long-Term Leases	462M	412M	419M	561M	1.03B
Current Income Taxes Payable	364M	474M	639M	1.02B	1.92B
Unearned Revenue, Current	-	-	-	-	-
Other Current Liabilities - (Brok / FS / Ins. / REIT Template)	19.5B	23.8B	46.08B	28.42B	39.94B
Unearned Revenue Non Current	50.64M	148M	76.62M	146M	93.48M
Pension & Other Post Retirement Benefits	-	-	-	891M	880M
Deferred Tax Liability Non-Current	297M	801M	987M	2.08B	894M
Other Non Current Liabilities	21.28B	27.13B	9.9B	41.83B	45.14B
Total Liabilities	79.29B	83.13B	94.51B	148B	186B
Common Stock, Total	4.87B	5.84B	7.3B	7.3B	7.18B
Additional Paid In Capital	1.67B	1.67B	1.67B	1.8B	1.84B
Retained Earnings	7.23B	8.33B	9.51B	13.56B	16.74B
Treasury Stock	-	-	-	-400M	-
Comprehensive Income and Other	783M	3.13B	4.84B	11.8B	9.66B
Total Common Equity	14.55B	18.96B	23.32B	34.06B	35.42B
Minority Interest	2.76B	3.42B	4.07B	5.31B	9.54B
Total Equity	17.31B	22.38B	27.4B	39.37B	44.96B
Total Liabilities And Equity	96.59B	106B	122B	187B	231B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	1.46B	1.46B	1.46B	1.44B	1.44B
ECS Total Common Shares Outstanding	1.46B	1.46B	1.46B	1.44B	1.44B
Book Value / Share	9.97	12.99	15.98	23.72	24.67
Tangible Book Value	13.44B	17.01B	21.01B	31.57B	33.52B
Tangible Book Value Per Share	9.21	11.65	14.39	21.98	23.34
Total Debt	23.19B	17.49B	20.68B	35.7B	52.02B
Debt Equivalent of Unfunded Proj. Benefit Obligation	-	-	-	89.52M	121M
Net Debt	-15.69B	-15.49B	-20.76B	-39.33B	-29.15B
Equity Method Investments, Total	461M	606M	845M	805M	349M

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	1.46B	1.84B	2.5B	4.1B	4.06B
Depreciation, Depletion & Amortization	171M	259M	345M	454M	683M
Amortization of Goodwill and Intangible Assets - (CF)	22.41M	10.99M	80.32M	92.73M	50.12M
Total Depreciation, Depletion & Amortization	194M	270M	426M	547M	733M
Amortization of Deferred Charges, Total	-	26.86M	51.11M	86.88M	162M
(Gain) Loss On Sale of Asset - (CF)	-18.53M	-9.69M	-186M	-33.13M	-1.77B
(Gain) Loss on Sale of Investments - (CF)	42.52M	-456M	-1.84B	-3.53B	-3.28B
Total Asset Writedown	16.03M	10.24M	12M	58.42M	100M
Provision for Credit Losses	104M	532M	843M	683M	854M
(Income) Loss On Equity Investments - (CF)	14.17M	-76.56M	-45.05M	-48.85M	-72.68M
Stock-Based Compensation (CF)	150M	139M	131M	73.94M	83.89M
Provision and Write-off of Bad Debts	19.02M	168M	133M	-49.76M	-14.8M
Change in Trading Asset Securities	-2.3B	5.1B	-445M	466M	-10.64B
Change in Accounts Receivable	-917M	7.19B	1.85B	-3.87B	559M
Change in Accounts Payable	4.91B	-15.46B	-2.35B	6.33B	7.29B
Change in Other Net Operating Assets (Collected)	-10.6B	10.5B	-9.26B	-22.21B	-19.88B
Other Operating Activities	-106M	1.98B	-430M	4.15B	-1.17B
Cash from Operations	-7.04B	11.74B	-8.6B	-13.25B	-22.99B
Capital Expenditure	-97.45M	-364M	-736M	-1.24B	-931M
Sale of Property, Plant, and Equipment	139M	7.38M	89.18M	36.36M	2.18B
Cash Acquisitions	-2.97B	-844M	-69.68M	-5.56M	-258M
Divestitures	-	383M	179M	-	500M
Sale (Purchase) of Real Estate Properties (Collected)	-	-	70.18M	9.58M	-
Investment in Marketable and Equity Securities, Total	3.81B	1.3B	7.78B	3.25B	-11.26B
Net (Increase) Decrease in Loans Originated / Sold - Investing	-	-	-	-	-
Other Investing Activities, Total	8.58M	26.09M	23.1M	16.18M	10M
Cash from Investing	891M	508M	7.33B	2.07B	-9.76B
Short Term Debt Issued, Total	550M	-	-	-	-
Long-Term Debt Issued, Total	5.8B	2.69B	3.82B	8.49B	39.45B
Total Debt Issued	6.35B	2.69B	3.82B	8.49B	39.45B
Short Term Debt Repaid, Total	-500M	-	-	-	-
Long-Term Debt Repaid, Total	-904M	-12.5B	-1.09B	-2.5B	-25.35B
Total Debt Repaid	-1.4B	-12.5B	-1.09B	-2.5B	-25.35B
Repurchase of Common Stock	-	-	-	-400M	-
Common Dividends Paid	-43.16M	-378M	-495M	-621M	-781M
Common & Preferred Stock Dividends Paid	-43.16M	-378M	-495M	-621M	-781M
Other Financing Activities, Total	1.11B	3.52B	5.12B	4.94B	11.59B
Cash from Financing	6.01B	-6.67B	7.36B	9.9B	24.92B
Foreign Exchange Rate Adjustments	-	-	-	5.53B	-
Miscellaneous Cash Flow Adjustments	2.38B	5.26M	3.67M	-	-
Net Change in Cash	2.25B	5.58B	6.09B	4.25B	-7.83B
Supplemental Items
Cash Income Tax Paid (Refund)	233M	586M	773M	1.05B	1.47B
Net Debt Issued / Repaid	4.94B	-9.82B	2.73B	5.99B	14.11B

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	2.33	2.16	2.78	3.29	3
Return On Equity %	10.08	10.98	12.74	15.24	14.83
Return on Common Equity	10.34	10.95	11.83	14.29	11.68
Margin Analysis
Gross Profit Margin %	94.31	93.96	94.62	93.81	91.16
SG&A Margin	60.67	76.41	64.36	67.09	59.78
Income From Continuing Operations Margin %	26.05	26.09	23.7	23.2	23.54
Net Income Margin %	24.09	21.87	18.67	18.69	15.27
Net Avail. For Common Margin %	24.09	21.87	18.67	18.69	15.27
Normalized Net Income Margin	18.06	20.53	14.91	16.66	9.63
Asset Turnover
Asset Turnover	0.09	0.08	0.12	0.14	0.13
Short Term Liquidity
Current Ratio	1.05	1.09	0.9	1.63	1.43
Quick Ratio	1.02	1.05	0.87	1.6	1.41
Operating Cash Flow to Current Liabilities	-0.13	0.23	-0.11	-0.14	-0.18
Long Term Solvency
Total Debt/Equity	134.02	78.18	75.5	90.69	115.71
Total Debt / Total Capital	57.27	43.88	43.02	47.56	53.64
LT Debt/Equity	18.96	19.3	19.61	18.6	21.03
Long-Term Debt / Total Capital	8.1	10.83	11.17	9.75	9.75
Total Liabilities / Total Assets	82.08	78.79	77.53	78.93	80.51
Growth Over Prior Year
Total Revenues, 1 Yr. Growth %	10.52	39.13	59.1	67.17	20.1
Gross Profit, 1 Yr. Growth %	9.68	38.61	60.23	65.93	16.64
Earnings From Cont. Operations, 1 Yr. Growth %	17.47	31.35	47.14	79.49	17.32
Net Income, 1 Yr. Growth %	11.57	18.46	38.59	85.29	-4.6
Normalized Net Income, 1 Yr. Growth %	7.61	58.27	17.01	102.61	-33
Diluted EPS Before Extra, 1 Yr. Growth %	5.76	18.46	38.59	87.14	-3.98
Common Equity, 1 Yr. Growth %	6.76	29.47	23.24	46.07	4
Total Assets, 1 Yr. Growth %	149.33	8.34	14.9	53.29	23.42
Tangible Book Value, 1 Yr. Growth %	6.31	24.58	23.74	50.34	6.18
Cash From Operations, 1 Yr. Growth %	51.8	-266.83	-173.28	56.7	73.48
Capital Expenditures, 1 Yr. Growth %	-3.67	273.73	102.17	68.58	-25.04
Compound Annual Growth Rate Over Two Years
Total Revenues, 2 Yr. CAGR %	5.96	24	48.78	61.48	42.32
Gross Profit, 2 Yr. CAGR %	6.2	23.3	49.03	61.35	39.77
Earnings From Cont. Operations, 2 Yr. CAGR %	6.17	27.93	37.77	53.65	48.55
Net Income, 2 Yr. CAGR %	2.8	18.71	26.84	50.79	35.44
Normalized Net Income, 2 Yr. CAGR %	8.1	30.46	35.21	46.41	19.13
Diluted EPS Before Extra, 2 Yr. CAGR %	0.09	15.58	26.84	51.54	36.56
Common Equity, 2 Yr. CAGR %	3.21	17.96	26.19	34.16	23.26
Total Assets, 2 Yr. CAGR %	47.61	65.03	11.88	32.71	37.55
Tangible Book Value, 2 Yr. CAGR %	3.04	15.98	24.05	36.37	26.35
Cash From Operations, 2 Yr. CAGR %	26.89	59.14	10.57	6.23	64.88
Capital Expenditures, 2 Yr. CAGR %	-12.01	89.74	174.88	84.62	12.42
Compound Annual Growth Rate Over Three Years
Total Revenues, 3 Yr. CAGR %	17.58	16.03	34.75	53.66	46.73
Gross Profit, 3 Yr. CAGR %	16.89	16.06	34.55	53.39	45.26
Earnings From Cont. Operations, 3 Yr. CAGR %	14.54	16.23	33.23	44.95	42.65
Net Income, 3 Yr. CAGR %	12.89	10.11	24.16	38.2	31.06
Normalized Net Income, 3 Yr. CAGR %	13.25	22.72	25.27	49.61	14.51
Diluted EPS Before Extra, 3 Yr. CAGR %	10.89	8.16	21.96	38.66	31.78
Common Equity, 3 Yr. CAGR %	1.32	11.55	19.61	32.49	23.24
Total Assets, 3 Yr. CAGR %	48.71	33.51	46.54	24.27	29.54
Tangible Book Value, 3 Yr. CAGR %	1.17	10.34	18.44	32.24	25.45
Cash From Operations, 3 Yr. CAGR %	0.34	39.01	22.89	23.48	25.1
Capital Expenditures, 3 Yr. CAGR %	-59.35	42.5	93.8	133.54	36.71
Compound Annual Growth Rate Over Five Years
Total Revenues, 5 Yr. CAGR %	34.91	17.47	29.19	32.43	37.18
Gross Profit, 5 Yr. CAGR %	34.64	16.97	28.82	32.41	36.04
Earnings From Cont. Operations, 5 Yr. CAGR %	-0.51	11.97	24.78	29.49	36.07
Net Income, 5 Yr. CAGR %	0.59	8.48	19.8	24.36	25.46
Normalized Net Income, 5 Yr. CAGR %	-0.26	15.73	21.55	31.36	20.33
Diluted EPS Before Extra, 5 Yr. CAGR %	-	7.32	18.53	23.28	24.54
Common Equity, 5 Yr. CAGR %	1.22	6.8	10.77	20.05	21.05
Total Assets, 5 Yr. CAGR %	33.59	20.64	32.93	33.34	42.87
Tangible Book Value, 5 Yr. CAGR %	0.52	6.08	10.11	20.05	21.53
Cash From Operations, 5 Yr. CAGR %	18.68	9.71	4.31	24.83	37.74
Capital Expenditures, 5 Yr. CAGR %	-34.45	-21.47	-12.68	58.05	55.86