Housing and Development Bank- Egypt (S.A.E) (EGX:HDBK)
Egypt flag Egypt · Delayed Price · Currency is EGP
92.40
+1.64 (1.81%)
At close: Aug 25, 2026

EGX:HDBK Financials Overview

Millions EGP. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
32,80030,48020,24611,5885,9904,410
Revenue Growth
26.68%50.55%74.71%93.47%35.80%4.48%
Net Income
19,89918,68112,4266,5402,7102,016
Earnings Per Share
18.7317.5811.696.152.551.90
EPS Growth
24.27%50.34%90.01%141.32%34.42%-1.68%

Revenue by Segment

Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Corporate Segment
13,93612,8789,8017,3613,8802,723
Investments
9,0598,7825,8723,1092,4911,745
Individuals
12,89011,4038,4195,0932,9832,145
Other Activities
11,45211,1848,3073,9822,6182,023
Total
47,33744,24732,39919,54611,9728,635

Cash & Debt

Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
18,11922,10250,60315,48220,56315,568
Total Debt
1,2031,2551,2991,3251,4301,068
Net Cash (Debt)
16,91620,84649,30414,15719,13314,501
Net Cash Growth
106.29%-57.72%248.25%-26.00%31.95%249.10%
Net Cash Per Share
15.9219.6246.4013.3218.0113.65

Cash Flow & CapEx

Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
-7,3192,186513.364,059-14,014-8,193
Capital Expenditures
-567.55-873.29-295.5-180.49-229.93-218.79
Free Cash Flow
-7,8871,313217.863,879-14,244-8,412
Free Cash Flow Growth
-502.50%-94.38%---

Margins

Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Profit Margin
60.67%61.29%61.38%56.43%45.24%45.71%
FCF Margin
-24.04%4.31%1.08%33.47%-237.82%-190.73%

Dividends

Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingAug '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Dividend Per Share
2.500-2.5001.5000.5000.357
Dividend Per Share Growth
60.00%-66.67%200.00%40.02%-
Dividend Yield
2.79%-10.88%9.53%7.63%7.89%

Valuation

Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingAug '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
4.852.552.283.153.343.32
Forward PE
4.872.983.513.523.883.82
P/FCF Ratio
-36.29130.165.32--
PS Ratio
2.941.561.401.781.511.52