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Companies Financials COMI.CA
CO
COMI.CA CAI Banks

Commercial International Bank Egypt CIB

$139,97
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EGP
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Mcap
476,6B EGP
P/E
3,1x
EV / Rev
2,7x
Div yield
4,39 %
Op margin
ROE
38,1 %
Net margin
75,3 %
Debt / equity
0,15
Beta
52w range
Volume
Day range
Prev close
Open
Next earnings
Ex-dividend
TR 1Y
About

Commercial International Bank Egypt CIB operates as a commercial bank in Egypt, generating revenue through interest income and fees from banking services.

Business. Commercial International Bank Egypt CIB (COMI.CA) is a bank operating within the Financials sector. The company generates revenue primarily through interest income, consistent with standard banking industry models. Specific details regarding its operating segments, headquarters location, and primary stock exchange listing are not provided in the available data. Consequently, the firm is described at the industry level as a banking institution without further geographic or structural breakdown.

Classification85 %
SectorFinancials
Industry groupBanks
Generated · model-assisted
Sell-side consensus
BUY7 analysts
6 buy1 hold0 sell
Avg 12m price target169,82

Analyst recommendations

7 analysts · consensus Buy
Buy6
Hold1
Sell0
12-month price target
169,82
Consensus of sell-side coverage.
Upcoming events
— missing data
See all catalysts →

At a glance

Score
not yet scored
Valuation
3,1x
P/E
Analysts
Buy
7 analysts · indicative
Ownership
not yet wired
Profitability
38,1 %
return on equity
Quality
not yet scored

What drives this business

The watch-list the newsroom runs for this company — derived from its sector path, sharpened layer by layer. Not investment advice.

— missing data

News & coverage

0
  • No recent newsroom coverage mentioning COMI.
  • Sector rotation

    Sector1D1Mvs mkt
    Materials+2,3 %+6,6 %+1,7 %
    Communication Services+2,2 %−5,5 %+1,6 %
    Energy+0,6 %+3,3 %+0,0 %
    Health Care+0,6 %−0,8 %+0,0 %
    Information Technology+0,6 %+6,7 %+0,0 %
    Consumer Discretionary+0,4 %+7,6 %−0,2 %
    Financials · THIS SECTOR−0,3 %−2,8 %−0,9 %
    Consumer Staples−0,4 %+2,5 %−1,0 %
    Real Estate−0,7 %+10,9 %−1,3 %
    Industrials−1,9 %−3,1 %−2,5 %
    Utilities−1,9 %+28,2 %−2,5 %

    Developing storylines

    No tracked sagas currently linked to COMI.CA. Browse all sagas →

    Analysis

    AI analysis
    Generated · analysis pipeline · tier hybrid · as of 2026-08-04 ↑ At a glance

    Opportunity

    — missing data

    Upcoming catalysts

    Scheduled public events. Informational only — not investment advice.

    • Peers
    • DividendDividend USD 1.75/sh2026-09-25 · Bank of America (BAC)
    • EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · JPMorgan Chase (JPM)
    • EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · Citigroup (C)
    • Macro
    • Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
    • Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
    • Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
    • Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
    • Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
    • Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
    • Macro & political
    • ElectionSE Swedish Election2026-09-14 · SE
    • ElectionUS U.S. Midterms2026-11-03 · US
    • ElectionFR French Legislative2027-06-01 · FR

    Pre-earnings brief

    — missing data

    Signals & dispatch

    peak dispatch · —

    Composite-score breakdown

    Synthesis

    Business

    Commercial International Bank Egypt CIB (COMI.CA) is a bank operating within the Financials sector. The company generates revenue primarily through interest income, consistent with standard banking industry models. Specific details regarding its operating segments, headquarters location, and primary stock exchange listing are not provided in the available data. Consequently, the firm is described at the industry level as a banking institution without further geographic or structural breakdown.

    Classification85 %
    SectorFinancials
    Industry groupBanks
    AI synthesis
    GENERATED

    Commercial International Bank Egypt CIB maintains a capital structure supported by total equity of EGP 231.5 billion against total assets of EGP 1.44 trillion. The bank holds long-term debt of EGP 35.2 billion, resulting in a debt-to-equity ratio of 0.15. Liquidity is assessed as medium, with a key flag noting that net cash is negative after subtracting total debt. The company generated operating cash flow of EGP 135.0 billion and free cash flow of EGP 61.5 billion in the latest period.

    Profitability metrics indicate strong returns, with a return on equity of 38.1% and a return on assets of 6.11%. The bank reported net income of EGP 82.2 billion on revenue of EGP 107.7 billion. Valuation multiples are compressed, with a price-to-earnings ratio of 3.13 and a price-to-book ratio of 1.19. The enterprise value to revenue ratio stands at 2.66.

    Key takeaways
    • High profitability with 38.1% ROE and 6.11% ROA.
    • Compressed valuation at 3.13x P/E and 1.19x P/B.
    • Low dilution risk with stable share count.
    • Medium liquidity risk due to negative net cash after debt.
    • Strong analyst consensus with mean target of EGP 169.82.

    Bull / Bear case

    Generated · model-assisted
    BULL CASE · 4

    Net income surged 65.9% year-over-year to EGP 82.2 billion, demonstrating exceptional profitability growth momentum.

    Revenue grew at a 44.1% four-year CAGR, reflecting robust top-line expansion driven by total operating revenue increases.

    Free cash flow expanded 46.7% year-over-year to EGP 61.5 billion, highlighting strong cash generation capabilities.

    The stock trades at 1.19x price-to-book, offering a reasonable valuation multiple relative to its high return on equity.

    BEAR CASE · 3

    Long-term debt increased to EGP 35.2 billion in FY2026, rising from EGP 6.7 billion in FY2022.

    The company faces a medium level of liquidity risk, which could constrain operational flexibility during market stress.

    Debt-to-equity ratio of 0.15 is above the cohort median of 0.3, indicating higher leverage relative to peers.

    In focus — financials by report

    Quarterly
    Annual
    QUARTERLYFiled 2026-07-21
    Q2 2026 · Quarter highlights

    Revenue EGP 31.13B, +20,0% YoY; Net income +28,6% YoY.

    RevenueEGP 31.13B+20,0 % YoY
    Operating income
    Net incomeEGP 21.49B+28,6 % YoY
    Free cash flow
    EPS
    Operating cash flowEGP 115.68B+38,2 % YoY
    Financials
    Income statement
    RevenueEGP 31.13B
    Gross profit
    Operating income
    Net incomeEGP 21.49B
    Margins
    Gross margin
    Operating margin
    Net margin69.0%
    FCF margin
    Balance sheet
    Total assets
    Total liabilitiesEGP 1.45T
    Total equityEGP 238.40B
    Cash & equivalents
    Long-term debtEGP 39.54B
    Cash flow
    Operating cash flowEGP 115.68B
    CapEx-EGP 2.90B
    Free cash flow
    SBC
    Highlights
    • Revenue EGP 31.13B, +20,0% YoY
    • Net income +28,6% YoY
    • Net margin 69.0%

    Valuation TTM

    Market price
    $139,97
    Market cap
    $276.50B
    Enterprise value
    $311.73B
    P/E
    3.1x
    Non-GAAP P/E
    EV / Revenue
    2.7x
    EV / Op income
    EV / OCF
    2.3x
    P / B
    1.2x
    P / Tangible book
    1.2x
    Tangible book
    $231.49B
    Net cash
    -$35.23B
    Current ratio
    Debt / equity
    0.1
    ROA
    6.1%
    ROE
    38.1%
    Cash conversion
    153.0%
    CapEx / revenue
    -6.8%
    SBC / revenue
    Dilution ratio
    0.0%

    Revenue by segment

    Market share

    — missing data

    Business relationships

    — missing data

    Supply chain

    — missing data

    Peer comparison

    — missing data

    Market position

    Stress test

    — missing data

    Predictor forecast

    Next quarternear-term
    Earnings · next quarterconf 45 %
    EPS
    Consensus EPS
    21,21
    Predicted surprise
    +0,00
    Beat probability
    45 %
    Analysts
    7
    Other metrics
    Revenue
    no estimate
    Segment revenue
    no estimate
    Margin
    no estimate
    Segment margin
    no estimate
    as of 2026-07-21 · Earnings Surprise V1
    Period note: consensus is not fiscal-period-aligned at source — read as consensus vs the last reported actual, not a calibrated same-quarter surprise.
    Full fiscal year~1 year ahead
    Full fiscal year · our forecast vs guidance vs consensus
    MetricOur forecastGuidanceConsensus
    EPSno estimateno estimate21,21
    Revenueno estimateno estimate185,6B EGP
    Operating incomeno estimateno estimate111,7B EGP
    Full-year consensus mean (period as reported by source) · consensus in EGP. Company-level full-year forecast and management guidance are not yet modelled at scale — shown as "no estimate", never inferred.
    Probabilistic model output — not investment advice. · generated 2026-08-04

    Options

    — missing data

    Short squeeze

    — missing data

    Earnings-call key lines

    — missing data

    Consensus distribution

    sell-side coverage
    Recommendation distribution7 analysts
    Strong buy0
    Buy6
    Hold1
    Sell0
    Strong sell0
    12-month price target$169,82 · Median $168,30
    Low $126,00High $214,30
    Operating income · consensus111,7B EGP
    EPS surprise
    +4,2 %
    reported vs consensus · beat
    Revenue surprise
    −35,8 %
    reported vs consensus · miss

    Estimate revisions

    consensus EPS · 26-week trend
    — missing data

    Sell-side observations

    Low$126,00
    Mean$169,82
    Median$168,30
    High$214,30
    Spot$139,97
    +21.3 %implied to mean12-month sell-side price targets · ▲ spot

    Themes

    — missing data

    ESG

    — missing data

    Risk factors

    Dilution riskLow
    Liquidity riskMedium
    Filing-based flags
    • Net cash is negative after subtracting total debt.

    Benchmarks vs cohort

    Net Margin75,3 %Best in class
    ROE38,1 %Best in class
    Capex / Rev-6,8 %Below median
    D/E0,15Above median
    Cash Conv1,53Above median

    Corporate actions / M&A

    — missing data

    FX exposure

    — missing data

    Comparable transactions

    — missing data

    Derivatives & instruments

    — missing data

    Actions

    Ask Handelsavisen

    — missing data
    Data sources
    • Market data
    • Market data cache
    • Issuer disclosures
    • Public news
    • Earnings transcripts
    • Consensus estimates
    • ESG data
    • Reference data
    How metrics are computed
    • Price To Tangible Book
      market_price / (tangible_book_value / shares_outstanding_diluted)
    • Price To Book
      market_price / (adjusted_book_value / shares_outstanding_diluted)
    • Return On Equity
      net_income / total_equity
    • Enterprise Value
      market_cap - net_cash
    • Ev To Revenue
      enterprise_value / revenue
    • Net Cash
      cash_and_equivalents + short_term_investments - short_term_debt - long_term_debt
    Source documents
    • Commercial International Bank Egypt CIB Market data — financials · 2026-07-21
    • Commercial International Bank Egypt CIB Market data — analyst estimates · 2026-07-21
    • Commercial International Bank Egypt CIB Market data — ESG · 2026-07-21

    Ownership & reference

    Leadership

    • Hisham Ezz Al-ArabChief Executive Officer, Executive Director

    Insider activity

    — missing data

    Short positioning

    — missing data

    Geographic breakdown

    — missing data
    Listings · one canonical issuer all listings resolve to the canonical
    COMI.CACanonical
    CAI · EGP

    Intel & risk

    PredictorBeat prob45 %Surprise+0,00Full forecast →
    peak dispatch · —
    OSINT findings
    Dilution riskLow
    Liquidity riskMedium
    Net cash is negative after subtracting total debt.
    Relationship graph
    COMIJPMBACCBanks
    This companyPeerSector

    Evidence & claims

    From filings & derived data
    — missing data

    The Thread

    Everything we know, in order
    2026-07-21 10:19 UTCEARNINGSQuarterly results — Q2 2026 Revenue EGP 31.13B · Net EGP 21.49B
    2026-05-12 10:15 UTCEARNINGSQuarterly results — Q1 2026 Revenue EGP 29.70B · Net EGP 17.82B
    2026-02-10 11:52 UTCEARNINGSQuarterly results — Q4 2025 Revenue EGP 29.05B · Net EGP 20.14B
    2026-02-10 11:52 UTCEARNINGSAnnual results — FY 2026 Revenue EGP 107.70B · Net EGP 82.24B
    2025-11-03 21:11 UTCEARNINGSQuarterly results — Q3 2025 Revenue EGP 27.32B · Net EGP 28.75B
    2025-07-21 21:08 UTCEARNINGSQuarterly results — Q2 2025 Revenue EGP 25.94B · Net EGP 16.71B
    2025-05-12 21:15 UTCEARNINGSQuarterly results — Q1 2025 Revenue EGP 25.40B · Net EGP 16.63B
    2025-02-18 21:08 UTCEARNINGSQuarterly results — Q4 2024 Revenue EGP 25.30B · Net EGP 7.21B
    2025-02-18 21:08 UTCEARNINGSAnnual results — FY 2025 Revenue EGP 90.98B · Net EGP 49.56B
    2024-11-03 18:35 UTCEARNINGSQuarterly results — Q3 2024 Revenue EGP 24.15B · Net EGP 14.80B
    2024-02-11 00:00 UTCEARNINGSAnnual results — FY 2024 Revenue EGP 52.93B · Net EGP 29.63B
    2023-02-12 20:59 UTCEARNINGSAnnual results — FY 2023 Revenue EGP 31.00B · Net EGP 16.11B
    2022-02-22 07:00 UTCEARNINGSAnnual results — FY 2022 Revenue EGP 24.97B · Net EGP 13.27B
    The entity's full life in the product — typed, chronological, joined across Newspaper, Platform and Data. Our memory, made visible.
    Sources filings · IR · transcripts · market data · tier hybrid · as of 2026-08-04 Market data · Issuer disclosures · Public news · Earnings transcripts · Consensus estimates · ESG data · Reference data Premium coverage