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 2024-04-23 pm EDT 		5-day change 1st Jan Change
74.2 EGP -4.30% Intraday chart for Commercial International Bank (Egypt) S.A.E. -7.25% +2.13%
Mar. 26 Commercial International Bank S.A.E. Announces Resignation of Jay-Michael Baslow as Independent Non-Executive Board Member, Effective March 31, 2024 CI
Mar. 26 Commercial International Bank S.A.E. Approves Cash Dividend for the Year 2023 CI

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 121,963 87,464 104,403 123,715 219,367 224,047 - -
Enterprise Value (EV) 1 121,963 87,464 104,403 123,715 219,367 224,047 224,047 224,047
P/E ratio 11.4 x 9.53 x 8.74 x 8.68 x 8.31 x 5.48 x 4.64 x 3.83 x
Yield 1.51% 2.11% 2.55% - - 2.44% 4.39% 4.42%
Capitalization / Revenue 4.88 x 3.06 x 3.64 x 3.25 x 3.49 x 2.6 x 2.25 x 1.92 x
EV / Revenue 4.88 x 3.06 x 3.64 x 3.25 x 3.49 x 2.6 x 2.25 x 1.92 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 2 x 1.46 x 1.12 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 74.20 74.20 74.20
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 86,017 99,554 116,786
EBITDA - - - - - - - -
EBIT 1 17,973 20,255 20,513 25,544 49,229 67,695 79,155 94,156
Operating Margin 71.9% 70.88% 71.58% 67.14% 78.41% 78.7% 79.51% 80.62%
Earnings before Tax (EBT) 1 16,537 15,236 18,833 23,941 38,561 61,289 73,105 89,832
Net income 1 11,804 10,238 13,272 16,114 26,542 41,409 48,650 59,547
Net margin 47.22% 35.83% 46.31% 42.35% 42.27% 48.14% 48.87% 50.99%
EPS 2 3.629 3.096 4.028 4.780 8.740 13.54 16.00 19.35
Free Cash Flow - - - - - - - -
FCF margin - - - - - - - -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - - - - - - -
Dividend per Share 2 0.6232 0.6230 0.8999 - - 1.808 3.258 3.281
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 Q3 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 7,383 7,585 9,216 7,985 9,349 11,466 14,052 14,899 16,147 17,688 18,304 20,616 22,600 23,742
EBITDA - - - - - - - - - - - - - -
EBIT 1 5,647 5,210 6,101 5,294 6,571 7,579 9,935 11,271 11,657 11,553 14,134 - - -
Operating Margin 76.49% 68.69% 66.19% 66.29% 70.29% 66.1% 70.7% 75.65% 72.19% 65.32% 77.22% - - -
Earnings before Tax (EBT) 5,344 - - - - - - - - - - - - -
Net income 1 3,812 3,395 4,244 3,511 4,408 3,941 6,065 7,988 8,353 4,136 8,255 - - -
Net margin 51.63% 44.76% 46.05% 43.97% 47.16% 34.37% 43.16% 53.61% 51.73% 23.38% 45.1% - - -
EPS 2 1.130 1.090 1.243 1.037 1.310 1.180 1.790 2.350 3.990 2.400 3.120 3.400 3.700 3.720
Dividend per Share 2 - - - - - - - - - - - - - 1.000
Announcement Date 11/12/21 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 - - - -
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% 38.8% 35.6% 32.4%
ROA (Net income/ Total Assets) 3.26% 2.51% 2.87% 2.86% 4.06% 4.25% 4.22% 4.33%
Assets 1 362,072 407,286 463,092 563,440 653,740 974,010 1,152,855 1,375,217
Book Value Per Share 2 17.60 20.10 23.20 22.70 30.00 37.10 50.90 66.20
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
OUTPERFORM
Number of Analysts
11
Last Close Price
74.2 EGP
Average target price
101.7 EGP
Spread / Average Target
+37.11%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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Commercial Banks
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