
Commercial International Bank (Egypt) S.A.E (CMGGF)
ValueMarkers Composite Index
78% below intrinsic value ($0)
Commercial International Bank (Egypt) S.A.E (CMGGF) — VMCI valuation read
Commercial International Bank (Egypt) S.A.E (CMGGF) carries a VMCI composite of 70/100, 20 points above the Financial Services sector median of 50. Among mid-cap names, that gap places CMGGF in the top third on the five-pillar weighting (Value 35%, Quality 30%, Integrity 15%, Growth 12%, Risk 8%).
The CMGGF insider tape has been silent for the past 30 days on Form 4. Where executives neither buy nor sell, the bull and bear cases lean harder on filings cadence and the next earnings line.
**Investor frame.** Value reads CMGGF trades at 24.0x earnings, 33% above the Financial Services median of 18.0x, which compresses or extends through the 11.0x EV/EBITDA versus a Financial Services 12.0x. Quality: ROIC of 10.0% sits 0.0pp above the Financial Services median (10.0%). Risk: net debt to EBITDA of 1.5x leaves covenant headroom, the line to track on Commercial International Bank (Egypt) S.A.E's next 10-Q.
CMGGF rose 1.6% over the trailing 7 days, with a -19.4% read on a 30-day basis.
Commercial International Bank (Egypt) S.A.E provides retail, corporate, and investment banking services in Egypt. The company operates in four segments: Corporate Banking, Investment, Retail Banking, and Others. It offers current and saving accounts, easy accounts, time deposits, and certificates of deposit; and personal/overdraft/mortgage, educational, solar, travel, car finance, and unsecured personal loans, as well as revolving overdraft salary upfront services. The company also offers global transaction and digital banking; and cash management services, as well as corporate banking services. In addition, it provides credit, debit, and prepaid cards, smart wallet, mobile, Internet, phone banking, and ATM services. Further, the company offers other credit facilities; derivative products; financial instruments trading, structured financing, corporate leasing, and merger and acquisitions advisory; and foreign currency services, as well as assets liabilities services. Additionally, the company provides structured financing, corporate leasing, merger, and acquisition services, as well as trades in financial instruments. Furthermore, the company offers investment savings products, consumer loans and mortgage services. It operates through 215 branches. The company was formerly known as Chase National Bank. Commercial International Bank (Egypt) S.A.E was founded in 1975 and is headquartered in Giza, Egypt.
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