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CIBEY

Commercial International Bank Egypt (CIB) S.A.E.

USD

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Price alert · CIBEY

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2.16 USD -0.04 -1.82%
As of Oct 30, 2026
2.17 Day range 2.17
2.07 52-week range 2.87
YTD
-0.92%
1 year
+1.89%
Open
2.17
Prev close
2.20
Mkt cap
7.13B
Vol
100
Avg vol
8.77K
EPS
0.41
P/E
5.27
More statistics
Low
2.17
High
2.17

5D chart

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Financial health

Altman Z-Score

-0.13 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

4 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

A+5 / 5 overall

  • DCF 5
  • Return on Equity 5
  • Return on Assets 5
  • Debt / Equity 4
  • P/E 4
  • P/B 2

Valuation

P/E 5.7×
FY 2016: 12.4×FY 2017: 11.9×FY 2018: 9.4×FY 2019: 9.8×FY 2020: 8.4×FY 2021: 8.2×FY 2022: 6.0×FY 2023: 4.4×FY 2024: 4.4×FY 2025: 5.7×
FY 2016 5y median 5.7× FY 2025
P/S 1.6×
FY 2016: 6.1×FY 2017: 5.6×FY 2018: 3.9×FY 2019: 4.6×FY 2020: 3.0×FY 2021: 3.4×FY 2022: 1.4×FY 2023: 2.0×FY 2024: 1.9×FY 2025: 1.6×
FY 2016 5y median 1.9× FY 2025
P/B 1.5×
FY 2016: 3.5×FY 2017: 3.1×FY 2018: 2.5×FY 2019: 2.2×FY 2020: 1.5×FY 2021: 1.4×FY 2022: 1.3×FY 2023: 1.3×FY 2024: 1.4×FY 2025: 1.5×
FY 2016 5y median 1.4× FY 2025
P/FCF 2.8×
FY 2016: 1.8×FY 2017: 90.2×FY 2018: 3.3×FY 2019: 5.7×FY 2020: 3.1×FY 2021: 3.2×FY 2022: 1.3×FY 2023: 0.7×FY 2024: 2.6×FY 2025: 2.8×
FY 2016 5y median 2.6× FY 2025
EV/EBITDA 1.4×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 0.0×FY 2020: 0.0×FY 2021: -0.9×FY 2022: -3.4×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 1.4×
FY 2016 5y median 0.0× FY 2025
EV/Sales 0.7×
FY 2016: 0.5×FY 2017: 2.1×FY 2018: 1.0×FY 2019: 2.5×FY 2020: -0.9×FY 2021: -0.6×FY 2022: -1.4×FY 2023: -3.0×FY 2024: -1.4×FY 2025: 0.7×
FY 2016 5y median -1.4× FY 2025
FCF Yield 36.2%
FY 2016: 55.8%FY 2017: 1.1%FY 2018: 30.1%FY 2019: 17.6%FY 2020: 32.4%FY 2021: 30.8%FY 2022: 74.1%FY 2023: 151.0%FY 2024: 38.4%FY 2025: 36.2%
FY 2016 5y median 38.4% FY 2025

Profitability

Gross Margin 53.7%
FY 2016: 100.0%FY 2017: 100.0%FY 2018: 100.0%FY 2019: 100.0%FY 2020: 100.0%FY 2021: 100.0%FY 2022: 59.6%FY 2023: 102.5%FY 2024: 90.7%FY 2025: 53.7%
FY 2016 5y median 90.7% FY 2025
Operating Margin 49.7%
FY 2016: 141.6%FY 2017: 165.5%FY 2018: 147.4%FY 2019: 65.8%FY 2020: 63.2%FY 2021: 65.2%FY 2022: 39.2%FY 2023: 82.8%FY 2024: 71.4%FY 2025: 49.7%
FY 2016 5y median 65.2% FY 2025
Net Margin 36.6%
FY 2016: 49.4%FY 2017: 47.0%FY 2018: 41.3%FY 2019: 46.9%FY 2020: 36.0%FY 2021: 45.9%FY 2022: 26.4%FY 2023: 50.7%FY 2024: 48.1%FY 2025: 36.6%
FY 2016 5y median 45.9% FY 2025
ROE 35.5%
FY 2016: 28.1%FY 2017: 26.4%FY 2018: 26.1%FY 2019: 22.7%FY 2020: 17.2%FY 2021: 19.3%FY 2022: 23.8%FY 2023: 32.8%FY 2024: 36.2%FY 2025: 35.5%
FY 2016 5y median 32.8% FY 2025
ROIC 28.4%
FY 2016: 7.3%FY 2017: 9.5%FY 2018: 10.1%FY 2019: 4.6%FY 2020: 4.0%FY 2021: 3.9%FY 2022: -15.1%FY 2023: 5.1%FY 2024: 26.2%FY 2025: 28.4%
FY 2016 5y median 5.1% FY 2025
ROA 5.7%
FY 2016: 2.2%FY 2017: 2.5%FY 2018: 2.6%FY 2019: 3.1%FY 2020: 2.4%FY 2021: 2.7%FY 2022: 2.5%FY 2023: 3.5%FY 2024: 4.5%FY 2025: 5.7%
FY 2016 5y median 3.5% FY 2025

Growth (YoY)

Revenue 95.7%
FY 2016: 15.6%FY 2017: 31.4%FY 2018: 37.2%FY 2019: 14.6%FY 2020: 13.2%FY 2021: 1.5%FY 2022: 111.5%FY 2023: -4.3%FY 2024: 96.2%FY 2025: 95.7%
FY 2016 FY 2025
Operating Income 36.2%
FY 2016: 35.8%FY 2017: 53.6%FY 2018: 22.2%FY 2019: -48.9%FY 2020: 8.8%FY 2021: 4.7%FY 2022: 27.1%FY 2023: 102.3%FY 2024: 69.2%FY 2025: 36.2%
FY 2016 FY 2025
EPS (diluted) 11.5%
FY 2016: 41.7%FY 2017: 25.0%FY 2018: 23.5%FY 2019: 30.2%FY 2020: -15.6%FY 2021: 16.5%FY 2022: 18.6%FY 2023: 77.8%FY 2024: 90.5%FY 2025: 11.5%
FY 2016 FY 2025
Free Cash Flow 51.4%
FY 2016: 116.2%FY 2017: -97.6%FY 2018: 2495.3%FY 2019: -20.9%FY 2020: 38.3%FY 2021: 8.5%FY 2022: 109.5%FY 2023: 170.3%FY 2024: -51.4%FY 2025: 51.4%
FY 2016 FY 2025

Financial Health

Current Ratio 0.2×
FY 2016: 26.4×FY 2017: 13.8×FY 2018: 13.7×FY 2019: 9.0×FY 2020: 29.8×FY 2021: 21.0×FY 2022: 0.4×FY 2023: 0.3×FY 2024: 0.5×FY 2025: 0.2×
FY 2016 5y median 0.4× FY 2025
Quick Ratio 0.2×
FY 2016: 67.3×FY 2017: 40.0×FY 2018: 35.1×FY 2019: 9.0×FY 2020: 29.8×FY 2021: 21.0×FY 2022: 0.4×FY 2023: 0.3×FY 2024: 0.5×FY 2025: 0.2×
FY 2016 5y median 0.4× FY 2025
Debt / Equity 0.2×
FY 2016: 0.0×FY 2017: 0.1×FY 2018: 0.1×FY 2019: 0.1×FY 2020: 0.1×FY 2021: 0.1×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 0.2×
FY 2016 5y median 0.2× FY 2025
Net Debt / EBITDA -1.7×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 0.0×FY 2020: 0.0×FY 2021: -5.9×FY 2022: -6.9×FY 2023: 0.0×FY 2024: 0.0×FY 2025: -1.7×
FY 2016 5y median -1.7× FY 2025
Interest Coverage 1.1×
FY 2016: 1.9×FY 2017: 1.6×FY 2018: 1.7×FY 2019: 0.8×FY 2020: 1.1×FY 2021: 0.9×FY 2022: 1.0×FY 2023: 0.9×FY 2024: 0.9×FY 2025: 1.1×
FY 2016 5y median 0.9× FY 2025

Dividends

Dividend Yield 4.3%
FY 2016: 2.0%FY 2017: 1.5%FY 2018: 2.5%FY 2019: 2.3%FY 2020: 3.9%FY 2021: 1.4%FY 2022: 5.1%FY 2023: 3.3%FY 2024: 2.5%FY 2025: 4.3%
FY 2016 5y median 3.3% FY 2025
Payout Ratio 18.2%
FY 2016: 24.4%FY 2017: 18.0%FY 2018: 23.6%FY 2019: 22.9%FY 2020: 32.9%FY 2021: 10.4%FY 2022: 27.4%FY 2023: 12.6%FY 2024: 9.8%FY 2025: 18.2%
FY 2016 5y median 12.6% FY 2025

Annual · latest fiscal year ends 2025-12-31