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FAIT.CA — CAI Banks

Fait.Ca

$37,02
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Mcap
8,3B EGP
P/E
1,0x
EV / Rev
0,6x
Div yield
5,15 %
Op margin
—
ROE
15,5 %
Net margin
62,7 %
Debt / equity
0,00
Beta
—
52w range
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Volume
—
Day range
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Prev close
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Open
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Next earnings
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Ex-dividend
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TR 1Y
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About

FAIT.CA is a financial institution operating within the Banks industry, generating revenue through financial services activities.

Business. FAIT.CA is a financial institution operating within the Banks industry, generating revenue through financial services activities.

Classification85 %
SectorFinancials
Industry groupBanks
Generated · model-assisted
Sell-side consensus
SELL1 analysts
0 buy0 hold1 sell
Avg 12m price target23,70

Analyst recommendations

1 analysts · consensus Sell
Buy0
Hold0
Sell1
12-month price target
23,70
Consensus of sell-side coverage.
Upcoming events
— missing data
See all catalysts →

At a glance

Score
—
not yet scored
Valuation→
1,0x
P/E
Analysts→
Sell
1 analysts · indicative
Ownership
—
not yet wired
Profitability→
15,5 %
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 FAIT.

    • Sector rotation

    Sector1D1Mvs mkt
    Materials+2,3 %+6,6 %+1,7 %
    Communication Services+2,2 %−5,5 %+1,7 %
    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−0,4 %−2,7 %−0,9 %
    Real Estate−0,7 %+10,9 %−1,3 %
    Consumer Staples−0,7 %+2,3 %−1,3 %
    Industrials−1,9 %−3,1 %−2,5 %
    Utilities−1,9 %+28,2 %−2,5 %

    Developing storylines

    No tracked sagas currently linked to FAIT.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.

    • 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

    FAIT.CA is a financial institution operating within the Banks industry, generating revenue through financial services activities.

    Classification85 %
    SectorFinancials
    Industry groupBanks
    AI synthesis
    GENERATED

    The company maintains a capital structure characterized by minimal long-term debt of 129.2 million EGP against total equity of 43.8 billion EGP, resulting in a debt-to-equity ratio of 0.0. Total assets stand at 263.9 billion EGP, while total liabilities are 220.0 billion EGP. Liquidity is assessed as medium risk, with a key flag noting that net cash is negative after subtracting total debt. Operating cash flow is robust at 14.2 billion EGP, but free cash flow is significantly lower at 553.2 million EGP due to capital expenditures of 2.4 billion EGP.

    Profitability metrics show a return on equity of 15.52% and a return on assets of 2.58%. The company reports net income of 4.7 billion EGP on revenue of 10.3 billion EGP. Without cohort median data provided, these returns are evaluated in isolation, though the high ROE suggests efficient use of equity capital. The valuation snapshot indicates a price-to-earnings ratio of 1.01 and a price-to-book ratio of 0.16, suggesting the market values the company at a significant discount to its book value.

    Key takeaways
    • The company trades at a deep discount with a P/E of 1.01 and P/B of 0.16, yet faces a strong sell consensus from analysts.
    • Net cash is negative after debt subtraction, posing a medium liquidity risk despite strong operating cash flow.
    • Dilution risk is low as basic and diluted share counts are identical.
    • Analyst price targets (23.70 EGP) are significantly below the current market price (30.72 EGP).
    • High capital expenditures (2.4 billion EGP) reduce free cash flow to 553.2 million EGP.

    Bull / Bear case

    analysis pipeline
    — missing data

    In focus — financials by report

    Quarterly
    Annual
    QUARTERLYFiled 2026-05-24
    Q1 2026 · Quarter highlights

    Revenue EGP 2.84B, +24,4% YoY; Net income +219,0% YoY.

    RevenueEGP 2.84B+24,4 % YoY
    Operating income—
    Net incomeEGP 3.09B+219,0 % YoY
    Free cash flowEGP 2.80B+812,5 % YoY
    EPS—
    Operating cash flowEGP 18.73B+1 252,9 % YoY
    Financials
    Income statement
    RevenueEGP 2.84B
    Gross profit—
    Operating income—
    Net incomeEGP 3.09B
    Margins
    Gross margin—
    Operating margin—
    Net margin108.8%
    FCF margin98.6%
    Balance sheet
    Total assetsEGP 290.38B
    Total liabilitiesEGP 244.01B
    Total equityEGP 46.37B
    Cash & equivalents—
    Long-term debtEGP 115.9M
    Cash flow
    Operating cash flowEGP 18.73B
    CapEx-EGP 165.9M
    Free cash flowEGP 2.80B
    SBC—
    Highlights
    • ▍Revenue EGP 2.84B, +24,4% YoY
    • ▍Net income +219,0% YoY
    • ▍Free cash flow +812,5% YoY
    • ▍Net margin 108.8%

    Valuation TTM

    Market price
    $37,02
    Market cap
    $6.89B
    Enterprise valueⓘ
    $7.02B
    P/Eⓘ
    1.0x
    Non-GAAP P/Eⓘ
    —
    EV / Revenueⓘ
    0.6x
    EV / Op incomeⓘ
    —
    EV / OCFⓘ
    0.5x
    P / Bⓘ
    0.2x
    P / Tangible bookⓘ
    0.2x
    Tangible book
    $43.84B
    Net cashⓘ
    -$129.2M
    Current ratioⓘ
    —
    Debt / equityⓘ
    0.0
    ROAⓘ
    2.6%
    ROEⓘ
    15.5%
    Cash conversionⓘ
    208.0%
    CapEx / revenueⓘ
    -21.9%
    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

    Options

    — missing data

    Short squeeze

    — missing data

    Earnings-call key lines

    — missing data

    Consensus distribution

    sell-side coverage
    Recommendation distribution1 analysts
    Strong buy0
    Buy0
    Hold0
    Sell0
    Strong sell1
    12-month price target$23,70 · Median $23,70
    Low $23,70High $23,70

    Estimate revisions

    consensus EPS · 26-week trend
    — missing data

    Sell-side observations

    Low$23,70
    Mean$23,70
    Median$23,70
    High$23,70
    Spot$37,02
    −36.0 %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 Margin62,7 %Above P75
    ROE15,5 %Above P75
    Capex / Rev-21,9 %Bottom quartile
    D/E0,00Above median
    Cash Conv2,08Above 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
    • Cash Conversion Ratio
      operating_cash_flow / net_income
    • Market Price
      input from market-data provider (delayed close or quote-shim mid)
    • Ev To Revenue
      enterprise_value / revenue
    • Net Cash
      cash_and_equivalents + short_term_investments - short_term_debt - long_term_debt
    • Return On Equity
      net_income / total_equity
    • Market Cap
      market_price * shares_outstanding_diluted
    Source documents
    • Faisal Islamic Bank of Egypt SAE Market data — financials · 2026-07-28
    • Faisal Islamic Bank of Egypt SAE Market data — analyst estimates · 2026-07-28
    • Faisal Islamic Bank of Egypt SAE Market data — ESG · 2026-07-28

    Ownership & reference

    Leadership

    • Nasr Farid Mohammed WasselChairman of the Supervisory Board

    Insider activity

    — missing data

    Short positioning

    — missing data

    Geographic breakdown

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

    Intel & risk

    peak dispatch · —
    OSINT findings
    Dilution riskLow
    Liquidity riskMedium
    Net cash is negative after subtracting total debt.

    Evidence & claims

    From filings & derived data
    — missing data

    The Thread

    Everything we know, in order
    2026-05-24 08:13 UTCEARNINGSQuarterly results — Q1 2026 Revenue EGP 2.84B · Net EGP 3.09B
    2026-02-25 13:51 UTCEARNINGSQuarterly results — Q4 2025 Revenue EGP 2.91B · Net EGP 1.96B
    2026-02-25 13:51 UTCEARNINGSAnnual results — FY 2026 Revenue EGP 10.28B · Net EGP 4.68B
    2025-11-30 04:38 UTCEARNINGSQuarterly results — Q3 2025 Revenue EGP 2.69B · Net EGP 1.23B
    2025-09-14 01:00 UTCEARNINGSQuarterly results — Q2 2025 Revenue EGP 2.40B · Net EGP 519.2M
    2025-06-01 03:58 UTCEARNINGSQuarterly results — Q1 2025 Revenue EGP 2.28B · Net EGP 969.9M
    2025-01-19 08:05 UTCEARNINGSQuarterly results — Q4 2024 Revenue EGP 3.38B · Net EGP 3.45B
    2025-01-19 08:05 UTCEARNINGSAnnual results — FY 2025 Revenue EGP 9.29B · Net EGP 12.44B
    2024-11-14 09:15 UTCEARNINGSQuarterly results — Q3 2024 Revenue EGP 2.26B · Net EGP 2.03B
    2024-07-16 07:41 UTCEARNINGSQuarterly results — Q2 2024 Revenue EGP 2.05B · Net EGP 804.3M
    2024-02-06 14:45 UTCEARNINGSAnnual results — FY 2024 Revenue EGP 5.75B · Net EGP 4.43B
    2023-03-20 08:31 UTCEARNINGSAnnual results — FY 2023 Revenue EGP 4.34B · Net EGP 4.76B
    2022-03-07 13:31 UTCEARNINGSAnnual results — FY 2022 Revenue EGP 5.49B · Net EGP 2.97B
    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