Commercial International Bank Egypt CIB
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.
Analyst recommendations
7 analysts · consensus BuyAt a glance
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- 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
Signals & dispatch
Composite-score breakdown
Synthesis
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.
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.
- 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-assistedNet 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.
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
Revenue EGP 31.13B, +20,0% YoY; Net income +28,6% YoY.
- ▍Revenue EGP 31.13B, +20,0% YoY
- ▍Net income +28,6% YoY
- ▍Net margin 69.0%
Revenue EGP 29.70B, +16,9% YoY; Net income +7,2% YoY.
- ▍Revenue EGP 29.70B, +16,9% YoY
- ▍Net income +7,2% YoY
- ▍Free cash flow +2 557,9% YoY
- ▍Net margin 60.0%
Revenue EGP 29.05B, +14,8% YoY; Net income +179,3% YoY.
- ▍Revenue EGP 29.05B, +14,8% YoY
- ▍Net income +179,3% YoY
- ▍Free cash flow +194,9% YoY
- ▍Net margin 69.3%
Revenue EGP 27.32B, +13,1% YoY; Net income +94,3% YoY.
- ▍Revenue EGP 27.32B, +13,1% YoY
- ▍Net income +94,3% YoY
- ▍Free cash flow +95,0% YoY
- ▍Net margin 105.3%
Revenue EGP 25.94B; Net margin 64.4%.
- ▍Revenue EGP 25.94B
- ▍Net margin 64.4%
Revenue EGP 25.40B; Net margin 65.5%.
- ▍Revenue EGP 25.40B
- ▍Net margin 65.5%
Revenue EGP 25.30B; Net margin 28.5%.
- ▍Revenue EGP 25.30B
- ▍Net margin 28.5%
Revenue EGP 24.15B; Net margin 61.3%.
- ▍Revenue EGP 24.15B
- ▍Net margin 61.3%
Revenue EGP 107.70B, +18,4% YoY; Net income +65,9% YoY.
- ▍Revenue EGP 107.70B, +18,4% YoY
- ▍Net income +65,9% YoY
- ▍Free cash flow +46,7% YoY
- ▍Net margin 76.4%
Revenue EGP 90.98B, +71,9% YoY; Net income +67,2% YoY.
- ▍Revenue EGP 90.98B, +71,9% YoY
- ▍Net income +67,2% YoY
- ▍Free cash flow +66,6% YoY
- ▍Net margin 54.5%
Revenue EGP 52.93B, +70,7% YoY; Net income +83,9% YoY.
- ▍Revenue EGP 52.93B, +70,7% YoY
- ▍Net income +83,9% YoY
- ▍Free cash flow +116,0% YoY
- ▍Net margin 56.0%
Revenue EGP 31.00B, +24,2% YoY; Net income +21,4% YoY.
- ▍Revenue EGP 31.00B, +24,2% YoY
- ▍Net income +21,4% YoY
- ▍Free cash flow −1,8% YoY
- ▍Net margin 52.0%
Valuation TTM
Revenue by segment
Business relationships
Supply chain
Peer comparison
Market position
Stress test
Predictor forecast
| Metric | Our forecast | Guidance | Consensus |
|---|---|---|---|
| EPS | —no estimate | —no estimate | 21,21 |
| Revenue | —no estimate | —no estimate | 185,6B EGP |
| Operating income | —no estimate | —no estimate | 111,7B EGP |
Options
Short squeeze
Earnings-call key lines
Consensus distribution
sell-side coverageEstimate revisions
consensus EPS · 26-week trendSell-side observations
Themes
ESG
Risk factors
- Net cash is negative after subtracting total debt.
Benchmarks vs cohort
Corporate actions / M&A
FX exposure
Comparable transactions
Derivatives & instruments
Actions
Ask Handelsavisen
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- ESG data
- Reference data
- Price To Tangible Bookmarket_price / (tangible_book_value / shares_outstanding_diluted)
- Price To Bookmarket_price / (adjusted_book_value / shares_outstanding_diluted)
- Return On Equitynet_income / total_equity
- Enterprise Valuemarket_cap - net_cash
- Ev To Revenueenterprise_value / revenue
- Net Cashcash_and_equivalents + short_term_investments - short_term_debt - long_term_debt
- 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