Housing and Development Bank SAE
Housing and Development Bank SAE provides banking and financial services, primarily generating revenue through interest income from loans and fees from financial products and services.
Business. Housing and Development Bank SAE (HDBK.CA) is a financial institution operating within the banking and investment services sector. The company generates revenue primarily through interest income, consistent with standard banking activities. Specific details regarding its operating segments, headquarters location, and primary stock exchange listing are not available in the provided data.
Analyst recommendations
4 analysts · consensus BuyAt a glance
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Upcoming catalysts
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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
Housing and Development Bank SAE (HDBK.CA) is a financial institution operating within the banking and investment services sector. The company generates revenue primarily through interest income, consistent with standard banking activities. Specific details regarding its operating segments, headquarters location, and primary stock exchange listing are not available in the provided data.
Housing and Development Bank SAE maintains a strong liquidity position, with a free cash flow of 14,054,249,880 EGP and a debt-to-equity ratio of 0.03, indicating a low reliance on debt financing. The bank's return on equity of 43.88% and return on assets of 7.67% suggest robust profitability and efficient use of assets. These metrics are well above the typical thresholds for banks, indicating superior performance relative to industry standards.
The bank's capital structure is supported by a total equity of 42,574,056,920 EGP and total assets of 243,499,648,560 EGP, with a relatively low long-term debt of 1,255,487,590 EGP. This structure supports a stable financial foundation and reduces the risk of insolvency. The bank's operating cash flow of 36,432,120,180 EGP further reinforces its ability to meet short-term obligations and fund operations without significant external financing.
The bank's revenue of 27,634,417,700 EGP is primarily derived from its core banking operations, with no disclosed segmental breakdown. The geographic exposure is not specified, but the bank operates within the Egyptian market, which is a key economic hub in the region. The lack of detailed segmental data limits the ability to assess revenue concentration risks.
The bank's growth trajectory is supported by strong net income of 18,680,766,640 EGP and a positive free cash flow. While specific growth projections are not provided, the bank's financial performance suggests a stable and potentially growing revenue base. The risk assessment indicates a medium liquidity risk and a low dilution risk, with no significant dilution potential in the near term.
Recent events and filings do not indicate any material changes in the bank's operations or financial condition. The bank's strong financial metrics and low debt levels suggest a resilient business model that is well-positioned to navigate economic fluctuations. Analysts have provided a mean price target of 126.07 EGP, with a median of 128.20 EGP, indicating a generally positive outlook.
- The bank maintains a strong liquidity position with a free cash flow of 14,054,249,880 EGP and a low debt-to-equity ratio of 0.03.
- Housing and Development Bank SAE demonstrates robust profitability with a return on equity of 43.88% and a return on assets of 7.67%.
- The bank's capital structure is supported by a total equity of 42,574,056,920 EGP and total assets of 243,499,648,560 EGP.
- Analysts have provided a generally positive outlook, with a mean price target of 126.07 EGP and a median of 128.20 EGP.
- The bank's financial performance suggests a stable and potentially growing revenue base, supported by strong net income and positive free cash flow.
Bull / Bear case
Generated · model-assistedIn focus — financials by report
Valuation
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 | 29,97 |
| Revenue | —no estimate | —no estimate | 27,9B EGP |
| Operating income | —no estimate | —no estimate | 24,3B 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
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- Market data
- Market data cache
- Issuer disclosures
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- Earnings transcripts
- Consensus estimates
- ESG data
- Dilution Ratio(shares_outstanding_diluted - shares_outstanding_basic) / shares_outstanding_basic
- Net Cashcash_and_equivalents + short_term_investments - short_term_debt - long_term_debt
- Capex To Revenuecapital_expenditure / revenue
- Return On Equitynet_income / total_equity
- Debt To Equity(short_term_debt + long_term_debt) / total_equity
- Cash Conversion Ratiooperating_cash_flow / net_income
- Housing and Development Bank SAE Market data — financials · 2026-05-28
- Housing and Development Bank SAE Market data — analyst estimates · 2026-05-28
- Housing and Development Bank SAE Market data — ESG · 2026-05-28
Ownership & reference
Leadership
- Hassan Ismail GhanemChief Executive Officer, Executive Director