Société Arabe Internationale de Banque S.A.E (EGX:SAIB)

EGX:SAIB Financials Overview

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

Revenue & Profits

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Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Revenue Revenue Growth	144.28	143.87	147.75	144.47	151.03	145.18
Revenue Growth	3.44%	-2.63%	2.27%	-4.34%	4.02%	1.09%
Net Income Net Income Growth	20.96	24.61	25.74	23.33	22.86	15.07
Earnings Per Share EPS Growth	0.63	0.74	0.78	0.70	0.69	0.46
EPS Growth	-0.87%	-4.38%	10.34%	2.05%	51.64%	-3.15%

Revenue by Segment

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Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Large Enterprises Large Enterprises Growth	282.83	294.51	208.9	167.27	144.57
Small and Medium Enterprises Small and Medium Enterprises Growth	25.05	19.54	34.64	37.04	24.88
Investing Investing Growth	454.4	399.79	122.88	111.52	183.51
Retail Retail Growth	448.23	314.18	60.69	77.83	75.83
Total Total Growth	1,211	1,028	446.93	430.15	449.41

Cash & Debt

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Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Investments Cash & Investments Growth	496.69	545.2	616.98	734.68	692.66	616.36
Total Debt Total Debt Growth	33.92	34.63	47.64	80.9	103.5	85.46
Net Cash (Debt) Net Cash Growth	462.78	510.57	569.34	653.78	589.17	530.89
Net Cash Growth	25.12%	-10.32%	-12.91%	10.97%	10.98%	86.72%
Net Cash Per Share Net Cash Per Share Growth	13.98	15.42	17.20	19.75	17.80	16.04

Cash Flow & CapEx

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Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Operating Cash Flow Operating Cash Flow Growth	-164	-564.62	452.89	311.92	775.75	-206.6
Capital Expenditures CapEx Growth	-31.62	-30.98	-8.02	-6.82	-13.47	-6.67
Free Cash Flow Free Cash Flow Growth	-195.62	-595.6	444.86	305.11	762.29	-213.27
Free Cash Flow Growth	-	-	45.80%	-59.98%	-	-

Margins

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Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Profit Margin	14.53%	17.11%	17.42%	16.15%	15.14%	10.38%
FCF Margin	-135.58%	-413.99%	301.09%	211.19%	504.74%	-146.90%

Dividends

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Fiscal Year	Current	FY 2025	FY 2024	FY 2023
Period Ending	Aug 5, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023
Dividend Per Share Dividend Per Share Growth	26.015	-	0.518	0.500
Dividend Per Share Growth	-42.13%	-	3.69%	-
Dividend Yield	24.57%	-	37.97%	57.54%

Valuation

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Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug 5, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
PE Ratio	3.33	2.84	2.71	2.50	2.54	3.68
P/FCF Ratio	-	-	0.16	0.19	0.08	-
PS Ratio	0.44	0.49	0.47	0.40	0.39	0.38

Data Source: S&P Global Market Intelligence Last updated: Mar 31, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Aug 4, 2026

Data Sources Report a data error