Contact Financial Holding S.A.E. (EGX:CNFN)
Egypt · Delayed Price · Currency is EGP 4.810
-0.040 (-0.82%)
At close: Aug 25, 2026
EGX:CNFN Income Statement
Financials in millions EGP. Fiscal year is January - December.
Millions EGP. Fiscal year is Jan - Dec.
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 |
Interest and Dividend Income | 4,225 | 4,074 | 3,481 | 2,599 | 1,725 | 625.32 |
Total Interest Expense | 1,918 | 1,943 | 1,607 | 948.74 | 447.64 | 190.1 |
Net Interest Income | 2,307 | 2,131 | 1,875 | 1,650 | 1,277 | 435.22 |
Commissions and Fees | 199.8 | 212.85 | 218.65 | 327.13 | 248.45 | 132.53 |
Other Revenue | 3,560 | 3,062 | 1,965 | 1,141 | 804.25 | 999.89 |
Revenue Before Loan Losses | 6,317 | 5,747 | 4,453 | 3,444 | 2,529 | 1,724 |
Provision for Loan Losses | 461.44 | 340.63 | 117.04 | 215.12 | 107.34 | 11.35 |
| 5,855 | 5,406 | 4,336 | 3,229 | 2,422 | 1,713 | |
Revenue Growth | 14.85% | 24.69% | 34.26% | 33.33% | 41.38% | -47.77% |
Salaries & Employee Benefits | 1,126 | 1,130 | 831.98 | 603.25 | 483.73 | 363.63 |
Cost of Services Provided | 3,370 | 2,913 | 1,900 | 592.69 | 424.16 | 329.42 |
Other Operating Expenses | 453.93 | 307.31 | 170.24 | 760.41 | 518.47 | 261.6 |
Total Operating Expenses | 5,132 | 4,521 | 3,035 | 2,075 | 1,523 | 1,018 |
Operating Income | 722.68 | 885.31 | 1,301 | 1,154 | 898.83 | 694.63 |
Currency Exchange Gain (Loss) | 15.48 | 0.66 | 1.49 | - | 0.76 | 0.08 |
EBT Excluding Unusual Items | 738.16 | 885.97 | 1,302 | 1,154 | 899.59 | 694.71 |
Gain (Loss) on Sale of Investments | -0.04 | -0.04 | -0.03 | - | - | - |
Other Unusual Items | -159.84 | -240.43 | -261.67 | -331.24 | -152.47 | -32.62 |
Pretax Income | 664.67 | 645.64 | 1,041 | 1,017 | 747.12 | 662.09 |
Income Tax Expense | 220.21 | 174.78 | 269.03 | 289.37 | 218.33 | 184.03 |
Earnings From Continuing Ops. | 444.46 | 470.86 | 771.64 | 728.07 | 528.78 | 478.06 |
Minority Interest in Earnings | -126.9 | -125.76 | -79.34 | -35.86 | -18.07 | -13.24 |
Net Income | 317.56 | 345.1 | 692.3 | 692.21 | 510.71 | 464.82 |
Net Income to Common | 317.56 | 345.1 | 692.3 | 692.21 | 510.71 | 464.82 |
Net Income Growth | -50.93% | -50.15% | 0.01% | 35.54% | 9.87% | 31.80% |
Shares Outstanding (Basic) | 1,194 | 1,193 | 1,190 | 1,185 | 1,178 | 1,175 |
Shares Outstanding (Diluted) | 1,194 | 1,193 | 1,190 | 1,185 | 1,178 | 1,175 |
Shares Change | 0.43% | 0.24% | 0.41% | 0.59% | 0.24% | 0.64% |
EPS (Basic) | 0.27 | 0.29 | 0.58 | 0.58 | 0.43 | 0.40 |
EPS (Diluted) | 0.27 | 0.29 | 0.58 | 0.58 | 0.43 | 0.40 |
EPS Growth | -51.14% | -50.27% | -0.40% | 34.74% | 9.61% | 30.96% |
Additional Metrics
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 |
Free Cash Flow | 1,734 | 141.79 | 150.55 | -1,540 | -1,808 | -377.17 |
Free Cash Flow Per Share | 1.45 | 0.12 | 0.13 | -1.30 | -1.53 | -0.32 |
Dividend Per Share | - | - | - | - | 0.253 | 0.228 |
Dividend Growth | - | - | - | - | 10.75% | - |
Operating Margin | 12.34% | 16.38% | 30.00% | 35.74% | 37.11% | 40.55% |
Profit Margin | 5.42% | 6.38% | 15.97% | 21.44% | 21.09% | 27.13% |
Free Cash Flow Margin | 29.61% | 2.62% | 3.47% | -47.70% | -74.64% | -22.02% |
Effective Tax Rate | 33.13% | 27.07% | 25.85% | 28.44% | 29.22% | 27.79% |