Stock HDBK HOUSING AND DEVELOPMENT BANK- EGYPT (S.A.E)
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Financials Housing and Development Bank- Egypt (S.A.E)

Equities

HDBK

EGS60301C016

Banks

End-of-day quote Egyptian Exchange
Other stock markets
 06:00:00 2024-04-23 pm EDT 		5-day change 1st Jan Change
43.92 EGP -1.10% Intraday chart for Housing and Development Bank- Egypt (S.A.E) -4.46% +13.14%
Feb. 29 Housing and Development Bank- Egypt (S.A.E) Reports Earnings Results for the Full Year Ended December 31, 2023 CI
2023 Housing and Development Bank- Egypt (S.A.E) Reports Earnings Results for the Third Quarter and Nine Months Ended September 30, 2023 CI

Valuation

Fiscal Period: December 2019 2020 2021 2022 2024 2025 2026
Capitalization 1 5,412 4,945 6,687 9,043 23,335 - -
Enterprise Value (EV) 1 5,412 4,945 6,687 9,043 23,335 23,335 23,335
P/E ratio 2.44 x 2.41 x 3.32 x 3.34 x 3.05 x 3.05 x 2.96 x
Yield 11.7% - 5.68% - 9.86% 8.97% 15.3%
Capitalization / Revenue 1.33 x 1.28 x 1.45 x 1.33 x 1.55 x 1.49 x 1.28 x
EV / Revenue 1.33 x 1.28 x 1.45 x 1.33 x 1.55 x 1.49 x 1.28 x
EV / EBITDA - - - - - - -
EV / FCF - - - - - - -
FCF Yield - - - - - - -
Price to Book 0.73 x 0.55 x 0.61 x 0.72 x 1.14 x 0.95 x 0.89 x
Nbr of stocks (in thousands) 531,300 531,300 531,300 531,300 531,300 - -
Reference price 2 10.19 9.307 12.59 17.02 43.92 43.92 43.92
Announcement Date 2/27/20 2/28/21 2/28/22 3/2/23 - - -
1EGP in Million2EGP
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2024 2025 2026
Net sales 1 4,062 3,866 4,624 6,783 15,015 15,643 18,270
EBITDA - - - - - - -
EBIT 1 2,689 2,615 2,852 4,597 11,614 11,915 13,458
Operating Margin 66.19% 67.62% 61.67% 67.76% 77.35% 76.17% 73.66%
Earnings before Tax (EBT) 1 2,863 2,809 2,868 3,909 10,513 11,251 12,169
Net income 1 2,214 2,050 2,028 2,726 7,674 7,257 7,296
Net margin 54.49% 53.03% 43.86% 40.18% 51.11% 46.39% 39.93%
EPS 2 4.167 3.860 3.794 5.100 14.40 14.41 14.85
Free Cash Flow - - - - - - -
FCF margin - - - - - - -
FCF Conversion (EBITDA) - - - - - - -
FCF Conversion (Net income) - - - - - - -
Dividend per Share 2 1.190 - 0.7143 - 4.330 3.940 6.730
Announcement Date 2/27/20 2/28/21 2/28/22 3/2/23 - - -
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 2024 Q1
Net sales 1 1,251 1,203 1,311 1,562 1,836 2,199 2,734 2,978 3,215 4,003
EBITDA - - - - - - - - - -
EBIT 1 792.4 686.9 891.8 1,031 1,132 1,542 2,029 2,361 2,566 3,053
Operating Margin 63.33% 57.08% 68.04% 65.99% 61.69% 70.1% 74.22% 79.28% 79.81% 76.27%
Earnings before Tax (EBT) - - - - - - - - - -
Net income 1 574.4 456 625.9 669.4 691.1 739.5 1,329 1,690 1,404 1,814
Net margin 45.91% 37.89% 47.75% 42.86% 37.65% 33.62% 48.61% 56.76% 43.68% 45.32%
EPS - - - - - - - - - -
Dividend per Share - - - - - - - - - -
Announcement Date 11/30/21 2/28/22 5/26/22 8/15/22 11/24/22 3/2/23 5/30/23 8/13/23 11/16/23 -
1EGP in Million
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2024 2025 2026
Net Debt - - - - - - -
Net Cash position - - - - - - -
Leverage (Debt/EBITDA) - - - - - - -
Free Cash Flow - - - - - - -
ROE (net income / shareholders' equity) 32.9% 24.9% 20.3% 23.2% 39% 31.6% 29.8%
ROA (Net income/ Total Assets) 4.41% 3.55% 2.87% 2.91% 5.96% 4.99% 5.14%
Assets 1 50,225 57,803 70,579 93,832 128,758 145,334 141,946
Book Value Per Share 2 14.00 17.00 20.60 23.50 38.60 46.40 49.50
Cash Flow per Share - - - - - - -
Capex - - - - - - -
Capex / Sales - - - - - - -
Announcement Date 2/27/20 2/28/21 2/28/22 3/2/23 - - -
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 Housing and Development Bank- Egypt (S.A.E)

Trading Rating
Investor Rating
ESG Refinitiv
C+
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
6
Last Close Price
43.92 EGP
Average target price
50.27 EGP
Spread / Average Target
+14.47%
Consensus

EPS Revisions

Estimates Revisions

Quarterly revenue - Rate of surprise

Company calendar

Sector Commercial Banks

1st Jan change Capi.
HOUSING AND DEVELOPMENT BANK- EGYPT (S.A.E) Stock Housing and Development Bank- Egypt (S.A.E)
+13.14% 487M
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Commercial Banks
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