Credit Agricole - Egypt Bank (S.A.E.) (EGX:CIEB)
Egypt flag Egypt · Delayed Price · Currency is EGP
23.15
-0.13 (-0.56%)
At close: Nov 12, 2026

EGX:CIEB Financials Overview

Millions EGP. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
13,48912,66013,2449,1994,8373,593
Revenue Growth
4.64%-4.41%43.97%90.17%34.62%8.88%
Net Income
6,3916,1977,1505,1662,4181,609
Earnings Per Share
5.114.965.724.131.931.29
EPS Growth
1.24%-13.34%38.40%113.68%50.25%17.35%

Revenue by Segment

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
SMEs
1,3671,3631,4711,114492.66475.84
Investment Banking & Others
793.85520.23936.73298.45241.68225.88
Treasury
3,7123,3312,8751,696506.8598.73
Corporate Banking
4,2934,2034,9493,7171,939884.89
Retail
3,9473,7303,3112,6651,8501,674
Total
14,11313,14813,5449,4895,0303,859

Cash & Debt

Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
50,98248,35644,28150,54329,56110,789
Total Debt
2,5501,6752,1071,0901,042698.28
Net Cash (Debt)
48,43146,68142,17449,45428,51910,091
Net Cash Growth
12.21%10.69%-14.72%73.41%182.63%16.55%
Net Cash Per Share
38.7537.3433.7439.5622.818.07

Cash Flow & CapEx

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
-334.96-6,244-8,102-2,179-3,072-2,798
Capital Expenditures
-467.28-724.04-401.82-238.24-135.79-130.21
Free Cash Flow
-802.24-6,968-8,504-2,418-3,208-2,928
Free Cash Flow Growth
------

Margins

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Profit Margin
47.38%48.95%53.99%56.16%49.98%44.78%
FCF Margin
-5.95%-55.04%-64.21%-26.28%-66.32%-81.49%

Dividends

Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingNov '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Dividend Per Share
3.200-3.2001.146-0.740
Dividend Per Share Growth
3.75%-179.33%---
Dividend Yield
13.82%-16.84%5.21%-8.79%

Valuation

Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingNov '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
4.534.533.325.324.376.54
Forward PE
4.193.913.305.645.386.80
PS Ratio
2.152.221.792.992.192.93