Abu Dhabi Islamic Bank - Egypt - S.A.E (EGX:ADIB)

Egypt · Delayed Price · Currency is EGP

52.08

+0.26 (0.50%)

At close: Aug 5, 2026

EGX:ADIB Financials Overview

Financials in millions EGP. Fiscal year is January - December.

Millions EGP. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Revenue	25,739	22,040	15,711	9,188	5,225	4,173
Revenue Growth	37.50%	40.28%	71.00%	75.84%	25.22%	21.98%
Net Income	13,900	12,589	9,009	4,671	2,196	1,453
Earnings Per Share	9.54	11.25	7.01	4.33	3.10	2.53
EPS Growth	-0.37%	60.48%	61.71%	40.03%	22.40%	18.79%

Revenue by Segment

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Corporates	6,838	6,291	5,929	3,777	2,060	1,239
Investment	6,684	6,046	4,990	2,239	1,323	1,002
Retail	7,663	6,802	4,691	2,983	2,278	1,568
Other Activities	4,717	3,693	2,190	1,697	451.2	551.25
Total	25,902	22,832	17,799	10,696	6,112	4,360

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Investments	49,711	58,892	99,602	49,605	15,009	5,184
Total Debt	10,686	10,373	10,416	4,757	3,088	1,995
Net Cash (Debt)	39,025	48,519	89,186	44,849	11,921	3,189
Net Cash Growth	-52.43%	-45.60%	98.86%	276.22%	273.84%	18.78%
Net Cash Per Share	26.79	43.36	69.40	41.63	16.80	5.55

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Operating Cash Flow	-68,599	-57,346	-34,484	7,337	-13,058	-2,324
Capital Expenditures	-871.93	-420.58	-178.67	-234.67	-54.08	-62.85
Free Cash Flow	-69,471	-57,766	-34,662	7,103	-13,112	-2,387
Free Cash Flow Growth	-	-	-	-	-	-

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Profit Margin	54.00%	57.12%	57.34%	50.84%	42.04%	34.83%
FCF Margin	-269.91%	-262.09%	-220.62%	77.31%	-250.95%	-57.20%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug '26 Aug 5, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
PE Ratio	5.43	2.85	2.57	4.28	3.27	2.17
Forward PE	5.11	3.52	2.80	3.76	2.80	2.86
P/FCF Ratio	-	-	-	2.82	-	-
PS Ratio	3.02	1.63	1.47	2.18	1.38	0.76