Stocktoria

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

EG · XCAI · XCAI · stock

Commercial International Bank Egypt (CIB) S.A.E. statistics & valuation

Market capE£267.9B
P / E3.3×
P / S2.2×
P / B1.2×
P / FCF2.1×
Net margin68.2%
FCF margin105.3%
Net cashE£188.9B
Enterprise value USD$5.4B
Graham number +34.1%E£186.78

Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value (E£186.78); a green figure means the price is below it.

Profitability & efficiency

Net margin (%)
44.20% 49.40% 53.00% 68.20% 2022202320242025
Gross margin (%)
2022202320242025
Operating margin (%)
2022202320242025
Return on equity (%)
23.80% 32.80% 36.20% 35.50% 2022202320242025
Shares outstanding
3.30B 3.30B 3.30B 3.30B 2022202320242025
Net debt (E£)
-E£170.91B -E£287.42B -E£378.33B -E£188.88B 2022202320242025
Share buybacks (E£)
2022202320242025
Return on assets (%)
2.50% 3.50% 4.50% 5.70% 2022202320242025
Free cash flow margin (%)
175.30% 287.80% 80.70% 105.30% 2022202320242025
Debt / equity (×)
0.15× 0.17× 0.19× 0.15× 2022202320242025
EPS (E£)
E£4.35 E£7.95 E£14.67 E£22.10 2022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

Commercial International Bank Egypt (CIB) S.A.E. trades at about 6.3× earnings — below its 10-year norm (10-year range 5.2×–11.4×, median 11.1×).

5.2× 11.4×

Shaded band = 10-year range (5.2×–11.4×); dot = today's 6.3×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022
Net margin68.2%53.0%49.4%44.2%
FCF margin105.3%80.7%287.8%175.3%
Return on assets5.7%4.5%3.5%2.5%
Return on equity35.5%36.2%32.8%23.8%

Computed from company filings · EG · as of 2025-12-31. Figures in EGP. Facts plus Stocktoria's own computed scores — not investment advice.