Credit Agricole - Egypt Bank (S.A.E.) (EGX:CIEB)
Egypt flag Egypt · Delayed Price · Currency is EGP
22.99
+0.34 (1.50%)
At close: Oct 22, 2026

EGX:CIEB Financials Overview

Millions EGP. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
13,08112,66013,2449,1994,8373,593
Revenue Growth
-0.13%-4.41%43.97%90.17%34.62%8.88%
Net Income
6,2266,1977,1505,1662,4181,609
Earnings Per Share
4.984.965.724.131.931.29
EPS Growth
-5.12%-13.34%38.40%113.68%50.25%17.35%

Revenue by Segment

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
SMEs
1,3641,3631,4711,114492.66475.84
Treasury
3,5073,3312,8751,696506.8598.73
Retail
3,8763,7303,3112,6651,8501,674
Corporate Banking
4,2674,2034,9493,7171,939884.89
Investment Banking & Others
722.34520.23936.73298.45241.68225.88
Total
13,73713,14813,5449,4895,0303,859

Cash & Debt

Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
52,97948,35644,28150,54329,56110,789
Total Debt
2,1801,6752,1071,0901,042698.28
Net Cash (Debt)
50,79946,68142,17449,45428,51910,091
Net Cash Growth
19.23%10.69%-14.72%73.41%182.63%16.55%
Net Cash Per Share
40.6437.3433.7439.5622.818.07

Cash Flow & CapEx

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
-5,725-6,244-8,102-2,179-3,072-2,798
Capital Expenditures
-520.97-724.04-401.82-238.24-135.79-130.21
Free Cash Flow
-6,246-6,968-8,504-2,418-3,208-2,928
Free Cash Flow Growth
------

Margins

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Profit Margin
47.59%48.95%53.99%56.16%49.98%44.78%
FCF Margin
-47.75%-55.04%-64.21%-26.28%-66.32%-81.49%

Dividends

Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingOct '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
13.92%-16.84%5.21%-8.79%

Valuation

Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingOct '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
4.624.533.325.324.376.54
Forward PE
4.143.913.305.645.386.80
PS Ratio
2.202.221.792.992.192.93