Cash flow EFG Holding Company S.A.E

Equities

HRHO

EGS69101C011

Investment Banking & Brokerage Services

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

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2020	2021	2022	2023	2024
Interest and Dividend Income, Total	2.25B	4.45B	9.3B	13.57B	22.41B
Interest Expense, Total	1.1B	1.83B	5.7B	8.86B	15.31B
Net Interest Income	1.14B	2.62B	3.6B	4.7B	7.1B
Brokerage Commission	2.92B	3.4B	4.8B	7.16B	11.45B
Gain (Loss) on Sale of Investments, Total (Rev)	948M	-83.46M	76M	1.58B	3.67B
Other Revenues, Total	647M	221M	458M	776M	-290M
Revenues Before Provison For Loan Losses	5.66B	6.15B	8.94B	14.22B	21.93B
Provision For Loan Losses	213M	104M	532M	843M	-
Total Revenues	5.45B	6.05B	8.41B	13.38B	21.93B
Salaries And Other Employee Benefits	-	150M	139M	131M	73.94M
Cost of Services Provided, Total	3.46B	3.86B	6.8B	9.2B	16B
Depreciation & Amortization - (IS) - (Collected)	171M	194M	296M	477M	634M
Provision for Bad Debts	79.78M	34.77M	167M	188M	-
Other Operating Expenses	43.47M	97.42M	157M	235M	666M
Total Operating Expenses	3.75B	4.34B	7.56B	10.23B	17.37B
Operating Income	1.7B	1.71B	855M	3.15B	4.56B
Income (Loss) on Equity Invest.	-4.24M	-	-	-	-
Currency Exchange Gains (Loss)	-15.28M	234M	2.5B	1.15B	2.91B
Other Non Operating Income (Expenses)	-	-5.67M	-21.17M	-38.06M	-40.68M
EBT, Excl. Unusual Items	1.68B	1.94B	3.33B	4.27B	7.43B
Impairment of Goodwill	-5.92M	-16.03M	-10.24M	-12M	-
Gain (Loss) on Sale of Investments	-661K	1.66M	-27.23M	138K	-
Gain (Loss) on Sale of Assets	-	3.86M	5.49M	9.8M	30.53M
Asset Writedown	-3.38M	-	-	-	-
EBT, Incl. Unusual Items	1.67B	1.93B	3.3B	4.26B	7.46B
Income Tax Expense	329M	351M	1.1B	1.09B	2.37B
Earnings From Continuing Operations	1.34B	1.57B	2.19B	3.17B	5.09B
Earnings Of Discontinued Operations	-	-	-	-	-
Net Income to Company	1.34B	1.57B	2.19B	3.17B	5.09B
Minority Interest	-35.32M	-118M	-354M	-672M	-988M
Net Income - (IS)	1.31B	1.46B	1.84B	2.5B	4.1B
Net Income to Common Incl Extra Items	1.31B	1.46B	1.84B	2.5B	4.1B
Net Income to Common Excl. Extra Items	1.31B	1.46B	1.84B	2.5B	4.1B
Per Share Items
Net EPS - Basic	0.94	1	1.26	1.71	2.84
Basic EPS - Continuing Operations	0.94	1	1.26	1.71	2.84
Basic Weighted Average Shares Outstanding	1.38B	1.46B	1.46B	1.46B	1.45B
Net EPS - Diluted	0.94	1	1.26	1.71	2.84
Diluted EPS - Continuing Operations	0.94	1	1.26	1.71	2.84
Diluted Weighted Average Shares Outstanding	1.38B	1.46B	1.46B	1.46B	1.45B
Normalized Basic EPS	0.73	0.75	1.18	1.37	2.53
Normalized Diluted EPS	0.73	0.75	1.18	1.37	2.53
Dividend Per Share	-	-	-	-	-
Payout Ratio	10.17	2.96	20.55	19.81	15.16
American Depositary Receipts Ratio (ADR)	2	2	2	2	2
Supplemental Items
Total Revenues (As Reported)	6.76B	-	-	-	-
Effective Tax Rate - (Ratio)	19.71	18.22	33.47	25.65	31.79
Total Current Taxes	164M	367M	703M	948M	1.44B
Total Deferred Taxes	165M	-16.48M	401M	146M	931M
Normalized Net Income	1.01B	1.09B	1.73B	1.99B	3.65B
Non-Cash Pension Expense	-	-	-	-	4.85M
Supplemental Operating Expense Items
Stock-Based Comp., G&A Exp. (Total)	-	150M	139M	131M	73.94M
Total Stock-Based Compensation	-	150M	139M	131M	73.94M

Fiscal Period: December	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	7.4B	30.88B	26.21B	32.25B	51.54B
Accounts Receivable, Total	876M	1.03B	1.51B	1.8B	3.47B
Other Receivables	8.14B	15.72B	18.73B	24.99B	73.72B
Gross Property Plant And Equipment	1.39B	2.17B	3.21B	4.09B	-
Accumulated Depreciation	-740M	-1.17B	-1.57B	-1.91B	-
Net Property Plant And Equipment	652M	999M	1.64B	2.18B	2.98B
Goodwill	890M	994M	1.75B	1.7B	1.56B
Other Intangibles, Total	94.26M	113M	203M	612M	934M
Investment In Debt and Equity Securities	10.1B	26.87B	25.6B	22.88B	24.86B
Trading Asset Securities, Total	5.74B	8B	6.77B	9.2B	23.49B
Other Current Assets, Total	348M	1.45B	1.95B	2.3B	3.2B
Deferred Tax Assets Long-Term (Collected)	25M	47.61M	64.49M	126M	234M
Other Long-Term Assets, Total	4.48B	10.49B	21.07B	23.87B	895M
Total Assets	38.74B	96.59B	106B	122B	187B
Liabilities
Accounts Payable, Total	7.67B	12.78B	10.36B	12.44B	29.19B
Accrued Expenses, Total	1.59B	1.82B	2.93B	3.7B	8.21B
Short-Term Borrowings	5.49B	9.37B	11.54B	12.96B	19.54B
Current Portion of Long-Term Debt	5.28B	10.54B	1.63B	2.35B	8.84B
Long-Term Debt	3.08B	2.82B	3.91B	4.95B	6.76B
Long-Term Leases	480M	462M	412M	419M	561M
Current Income Taxes Payable	164M	364M	474M	639M	1.02B
Unearned Revenue, Current	38.91M	-	-	-	-
Other Current Liabilities - (Brok / FS / Ins. / REIT Template)	706M	19.5B	23.8B	46.08B	28.42B
Unearned Revenue Non Current	-	50.64M	148M	76.62M	146M
Pension & Other Post Retirement Benefits	-	-	-	-	891M
Deferred Tax Liability Non-Current	301M	297M	801M	987M	2.08B
Other Non Current Liabilities	-	21.28B	27.13B	9.9B	41.83B
Total Liabilities	24.8B	79.29B	83.13B	94.51B	148B
Common Stock, Total	3.84B	4.87B	5.84B	7.3B	7.3B
Additional Paid In Capital	1.92B	1.67B	1.67B	1.67B	1.8B
Retained Earnings	7.07B	7.23B	8.33B	9.51B	13.56B
Treasury Stock	-	-	-	-	-400M
Comprehensive Income and Other	792M	783M	3.13B	4.84B	11.8B
Total Common Equity	13.63B	14.55B	18.96B	23.32B	34.06B
Minority Interest	311M	2.76B	3.42B	4.07B	5.31B
Total Equity	13.94B	17.31B	22.38B	27.4B	39.37B
Total Liabilities And Equity	38.74B	96.59B	106B	122B	187B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	1.38B	1.46B	1.46B	1.46B	1.44B
ECS Total Common Shares Outstanding	1.38B	1.46B	1.46B	1.46B	1.44B
Book Value / Share	9.85	9.97	12.99	15.98	23.72
Tangible Book Value	12.64B	13.44B	17.01B	21.01B	31.57B
Tangible Book Value Per Share	9.14	9.21	11.65	14.39	21.98
Total Debt	14.33B	23.19B	17.49B	20.68B	35.7B
Debt Equivalent of Unfunded Proj. Benefit Obligation	-	-	-	-	89.52M
Net Debt	1.19B	-15.69B	-15.49B	-20.76B	-39.33B
Equity Method Investments, Total	103M	461M	606M	845M	805M

Fiscal Period: December	2020	2021	2022	2023	2024
Net Income	1.31B	1.46B	1.84B	2.5B	4.1B
Depreciation, Depletion & Amortization	153M	171M	259M	345M	454M
Amortization of Goodwill and Intangible Assets - (CF)	17.84M	22.41M	10.99M	80.32M	92.73M
Total Depreciation, Depletion & Amortization	171M	194M	270M	426M	547M
Amortization of Deferred Charges, Total	-	-	26.86M	51.11M	86.88M
(Gain) Loss On Sale of Asset - (CF)	-836	-18.53M	-9.69M	-186M	-33.13M
(Gain) Loss on Sale of Investments - (CF)	-1.05B	42.52M	-456M	-1.84B	-3.53B
Total Asset Writedown	9.31M	16.03M	10.24M	12M	58.42M
Provision for Credit Losses	213M	104M	532M	843M	683M
(Income) Loss On Equity Investments - (CF)	4.24M	14.17M	-76.56M	-45.05M	-48.85M
Stock-Based Compensation (CF)	-	150M	139M	131M	73.94M
Provision and Write-off of Bad Debts	63.23M	19.02M	168M	133M	-49.76M
Change in Trading Asset Securities	2.21B	-2.3B	5.1B	-445M	466M
Change in Accounts Receivable	-259M	-917M	7.19B	1.85B	-3.87B
Change in Accounts Payable	-5.06B	4.91B	-15.46B	-2.35B	6.33B
Change in Other Net Operating Assets (Collected)	41.77M	-10.6B	10.5B	-9.26B	-22.21B
Other Operating Activities	194M	-106M	1.98B	-430M	4.15B
Cash from Operations	-2.16B	-7.04B	11.74B	-8.6B	-13.25B
Capital Expenditure	-101M	-97.45M	-364M	-736M	-1.24B
Sale of Property, Plant, and Equipment	153K	139M	7.38M	89.18M	36.36M
Cash Acquisitions	-	-2.97B	-844M	-69.68M	-5.56M
Divestitures	-	-	383M	179M	-
Sale (Purchase) of Real Estate Properties (Collected)	-	-	-	70.18M	9.58M
Investment in Marketable and Equity Securities, Total	2.75B	3.81B	1.3B	7.78B	3.25B
Net (Increase) Decrease in Loans Originated / Sold - Investing	-2.48B	-	-	-	-
Other Investing Activities, Total	-	8.58M	26.09M	23.1M	16.18M
Cash from Investing	169M	891M	508M	7.33B	2.07B
Short Term Debt Issued, Total	500M	550M	-	-	-
Long-Term Debt Issued, Total	1.54B	5.8B	2.69B	3.82B	8.49B
Total Debt Issued	2.04B	6.35B	2.69B	3.82B	8.49B
Short Term Debt Repaid, Total	-400M	-500M	-	-	-
Long-Term Debt Repaid, Total	-981M	-904M	-12.5B	-1.09B	-2.5B
Total Debt Repaid	-1.38B	-1.4B	-12.5B	-1.09B	-2.5B
Repurchase of Common Stock	-	-	-	-	-400M
Common Dividends Paid	-133M	-43.16M	-378M	-495M	-621M
Common & Preferred Stock Dividends Paid	-133M	-43.16M	-378M	-495M	-621M
Other Financing Activities, Total	-	1.11B	3.52B	5.12B	4.94B
Cash from Financing	524M	6.01B	-6.67B	7.36B	9.9B
Foreign Exchange Rate Adjustments	-	-	-	-	5.53B
Miscellaneous Cash Flow Adjustments	-	2.38B	5.26M	3.67M	-
Net Change in Cash	-1.47B	2.25B	5.58B	6.09B	4.25B
Supplemental Items
Cash Income Tax Paid (Refund)	174M	233M	586M	773M	1.05B
Net Debt Issued / Repaid	657M	4.94B	-9.82B	2.73B	5.99B

Fiscal Period: December	2020	2021	2022	2023	2024
Profitability
Return on Assets	3.23	2.33	2.16	2.78	3.29
Return On Equity %	9.59	10.08	10.98	12.74	15.24
Return on Common Equity	9.57	10.34	10.95	11.83	14.29
Margin Analysis
Gross Profit Margin %	95.64	94.31	93.96	94.62	93.81
SG&A Margin	59.05	60.67	76.41	64.36	67.09
Income From Continuing Operations Margin %	24.6	26.05	26.09	23.7	23.2
Net Income Margin %	23.96	24.09	21.87	18.67	18.69
Net Avail. For Common Margin %	23.96	24.09	21.87	18.67	18.69
Normalized Net Income Margin	18.62	18.06	20.53	14.91	16.66
Asset Turnover
Asset Turnover	0.13	0.09	0.08	0.12	0.14
Short Term Liquidity
Current Ratio	1.07	1.05	1.09	0.9	1.63
Quick Ratio	1.06	1.02	1.05	0.87	1.6
Operating Cash Flow to Current Liabilities	-0.1	-0.13	0.23	-0.11	-0.14
Long Term Solvency
Total Debt/Equity	102.84	134.02	78.18	75.5	90.69
Total Debt / Total Capital	50.7	57.27	43.88	43.02	47.56
LT Debt/Equity	25.57	18.96	19.3	19.61	18.6
Long-Term Debt / Total Capital	12.61	8.1	10.83	11.17	9.75
Total Liabilities / Total Assets	64.02	82.08	78.79	77.53	78.93
Growth Over Prior Year
Total Revenues, 1 Yr. Growth %	1.21	10.52	39.13	59.1	67.17
Gross Profit, 1 Yr. Growth %	3.09	9.68	38.61	60.23	65.93
Earnings From Cont. Operations, 1 Yr. Growth %	-4.04	17.47	31.35	47.14	79.49
Net Income, 1 Yr. Growth %	-5.28	11.57	18.46	38.59	85.29
Normalized Net Income, 1 Yr. Growth %	8.6	7.61	58.27	17.01	102.61
Diluted EPS Before Extra, 1 Yr. Growth %	-5.28	5.76	18.46	38.59	87.14
Common Equity, 1 Yr. Growth %	-0.22	6.76	29.47	23.24	46.07
Total Assets, 1 Yr. Growth %	-12.62	149.33	8.34	14.9	53.29
Tangible Book Value, 1 Yr. Growth %	-0.13	6.31	24.58	23.74	50.34
Cash From Operations, 1 Yr. Growth %	-149.38	51.8	-266.83	-173.28	56.7
Capital Expenditures, 1 Yr. Growth %	-19.62	-3.67	273.73	102.17	68.58
Compound Annual Growth Rate Over Two Years
Total Revenues, 2 Yr. CAGR %	21.04	5.96	24	48.78	61.48
Gross Profit, 2 Yr. CAGR %	20.83	6.2	23.3	49.03	61.35
Earnings From Cont. Operations, 2 Yr. CAGR %	13.11	6.17	27.93	37.77	53.65
Net Income, 2 Yr. CAGR %	13.56	2.8	18.71	26.84	50.79
Normalized Net Income, 2 Yr. CAGR %	16.18	8.1	30.46	35.21	46.41
Diluted EPS Before Extra, 2 Yr. CAGR %	13.56	0.09	15.58	26.84	51.54
Common Equity, 2 Yr. CAGR %	-1.29	3.21	17.96	26.19	34.16
Total Assets, 2 Yr. CAGR %	14.84	47.61	65.03	11.88	32.71
Tangible Book Value, 2 Yr. CAGR %	-1.31	3.04	15.98	24.05	36.37
Cash From Operations, 2 Yr. CAGR %	-44.34	26.89	59.14	10.57	6.23
Capital Expenditures, 2 Yr. CAGR %	-73.59	-12.01	89.74	174.88	84.62
Compound Annual Growth Rate Over Three Years
Total Revenues, 3 Yr. CAGR %	13.16	17.58	16.03	34.75	53.66
Gross Profit, 3 Yr. CAGR %	13.03	16.89	16.06	34.55	53.39
Earnings From Cont. Operations, 3 Yr. CAGR %	2.46	14.54	16.23	33.23	44.95
Net Income, 3 Yr. CAGR %	2.15	12.89	10.11	24.16	38.2
Normalized Net Income, 3 Yr. CAGR %	6.85	13.25	22.72	25.27	49.61
Diluted EPS Before Extra, 3 Yr. CAGR %	2.15	10.89	8.16	21.96	38.66
Common Equity, 3 Yr. CAGR %	-0.05	1.32	11.55	19.61	32.49
Total Assets, 3 Yr. CAGR %	-2.1	48.71	33.51	46.54	24.27
Tangible Book Value, 3 Yr. CAGR %	-0.05	1.17	10.34	18.44	32.24
Cash From Operations, 3 Yr. CAGR %	-33.65	0.34	39.01	22.89	23.48
Capital Expenditures, 3 Yr. CAGR %	-56.38	-59.35	42.5	93.8	133.54
Compound Annual Growth Rate Over Five Years
Total Revenues, 5 Yr. CAGR %	40.06	34.91	17.47	29.19	32.43
Gross Profit, 5 Yr. CAGR %	40.2	34.64	16.97	28.82	32.41
Earnings From Cont. Operations, 5 Yr. CAGR %	45.07	-0.51	11.97	24.78	29.49
Net Income, 5 Yr. CAGR %	23.12	0.59	8.48	19.8	24.36
Normalized Net Income, 5 Yr. CAGR %	94.71	-0.26	15.73	21.55	31.36
Diluted EPS Before Extra, 5 Yr. CAGR %	127.96	-	7.32	18.53	23.28
Common Equity, 5 Yr. CAGR %	6.47	1.22	6.8	10.77	20.05
Total Assets, 5 Yr. CAGR %	-15.21	33.59	20.64	32.93	33.34
Tangible Book Value, 5 Yr. CAGR %	18.61	0.52	6.08	10.11	20.05
Cash From Operations, 5 Yr. CAGR %	-17.56	18.68	9.71	4.31	24.83
Capital Expenditures, 5 Yr. CAGR %	-27.31	-34.45	-21.47	-12.68	58.05