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EFG Holding S.A.E. Sponsored GDR RegS

EFG Holding S.A.E. Sponsored GDR RegS

EFGZF
EFG Holding S.A.E. Sponsored GDR RegSUS flagOther OTC
0.51
USD
- -
- -
720.21MMarket Cap
EFG Holding S.A.E. Sponsored GDR RegS
EFGZF
(Other OTC)

Recent

price

0.51

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
4.26
4.06
4.88
5.87
7.38
1.49
2.37
6.3
6.78
9.62
8.89
11.62
18.68
29.54
48.63
64.08
55.62
Revenue per Share
0.96
0.16
0.08
-0.74
0.78
0.67
2.19
1.84
1.46
1.99
1.89
2.25
2.47
3.42
5.89
5.65
5.39
Basic EPS, GAAP
4.8
0.03
2.65
-0.4
0.7
7.47
3.38
-12.96
7.97
6.14
-6.85
-10.31
15.59
-12.14
-20.06
-33.31
-24.79
Free Cash Flow per Basic Share
1.65
0.13
0.08
0.17
0.16
0.09
0.07
2.58
0.19
0.89
0.19
0.06
0.52
0.68
0.86
1.09
1.5
Dividend per Share
6.48
5.42
5.27
4.45
6.27
6.35
9.65
8.52
10.73
11.82
14.57
16.41
18.17
21.69
27.49
31.93
32.62
Book Value per Share
9.5
8.91
10.58
10.52
11.69
12.74
20.5
19.53
19.4
18.82
18.73
24.01
27.98
34.37
51.04
59.97
62.9
Tangible Book Value per Share
734
734
733
733
690
692
645
664
692
692
692
692
730
730
723
718
722
Basic Weighted Avg Shares
3,129
2,980
3,579
4,304
5,092
1,029
1,531
4,181
4,691
6,652
6,149
8,039
13,635
21,559
35,138
46,005
40,155
Sales/Revenue/Turnover
34.19
62.9
54.79
56.3
61.88
14.96
-42.92
42.61
39.7
47.06
49.3
45.44
45.17
53.23
58.82
59.08
52.11
Operating Margin (%)
57
96
92
95
86
28
105
221
76
110
171
196
336
481
634
895
950
Depreciation Expense
708
120
60
-540
538
461
1,414
1,225
1,012
1,378
1,305
1,553
1,803
2,494
4,254
4,058
3,888
Net Income, GAAP
28.21
23.64
25.18
- -
14.82
13.26
10.92
9.2
16.8
8.4
19.71
17.33
33.87
25.68
30.78
16.54
20.96
Effective Tax Rate (%)
22.62
4.03
1.66
-12.55
10.56
44.85
92.35
29.3
21.58
20.72
21.23
19.32
13.22
11.57
12.11
8.82
9.68
Profit Margin (%)
-11,947
42,775
52,560
57,525
63,824
75,172
9,731
7,641
2,269
8,963
11,501
17,653
-12,437
-11,318
-21,238
-31,189
-23,505
Working Capital
1,036
1,101
1,065
1,471
3,250
4,798
923
1,414
2,289
2,452
3,564
12,705
4,880
8,092
10,267
23,163
29,398
LT Debt
10,939
10,627
11,368
11,805
12,282
13,384
13,818
13,957
14,423
14,020
13,938
17,604
22,369
27,399
39,368
44,958
47,379
Total Equity
6.83
11.12
11.54
- -
18.15
0.79
-3.44
8.38
6.81
11.11
8.48
8.55
9.81
18.55
22.46
25.48
17.33
Return on Invested Capital (%)
18.47
15.46
16.61
- -
26.39
2.74
14.65
14.88
12.22
12.98
8.9
9.32
14.19
21.49
26.31
24.42
1.95
Return on Capital (%)
16.24
2.75
1.52
-15.16
14.16
10.58
26.63
20.61
15.48
17.67
14.3
14.49
14.65
17.14
23.83
18.97
17.54
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
26,867
31,762
32,304
LT Borrowings
16,974
21,838
28,383
LT Finance Leases
1,323
1,325
1,015
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
1,436
1,436
1,436
Market Capitalization
18,011
17,958
20,534

Working Capital

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
144,631
118,617
154,324
Cash, Cash Equivalents & STI
65,611
48,297
60,463
Accounts Receivable, Net
33,936
17,673
40,925
Inventories
- -
- -
- -
Total Current Liabilities
171,258
149,806
177,829
Payables & Accruals
- -
- -
- -
ST Debt
26,867
31,762
32,304
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
13.79%
26.75%
14.2%
Free Cash Flow
-120.89%
-51.63%
65.04%
Net Income, GAAP
34.6%
27.87%
-4.6%
Sales/Revenue/Turnover
52.07%
50.47%
30.93%
Total Cash Common Dividend
482%
158.13%
25.66%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
2,459
9,491
8,804
9,997
35,138
2025
3,642
10,890
11,877
13,013
46,005
2026
4,374
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
2.49
1.08
0.96
- -
5.89
2025
1.66
1.1
1.18
- -
5.65
2026
1.44
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.3
0.43
- -
- -
0.86
2025
0.37
0.59
0.01
- -
1.09
2026
0.79
- -
- -
- -
- -
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Business
EFG Holding S.A.E. (EFGZF) operates as a leading financial services holding company headquartered in 6th of October City, Egypt, and founded in 1984, providing a comprehensive range of investment banking, non-bank financial services, and commercial banking products across the Middle East, North Africa, Sub-Saharan Africa, and South Asia. Through its primary divisions—EFG Hermes (investment bank), EFG Finance (non-bank financial institutions), and BANK NXT (commercial bank)—the company offers securities brokerage for institutions, high-net-worth individuals, and retail investors including online trading, margin lending, and SWAP/P-Note products; investment banking services encompassing equity and debt capital markets, mergers and acquisitions, merchant banking, and advisory; asset management products such as mutual funds, fixed-income, equity, alternative investments, and Shariah-compliant mandates; private equity in sectors like energy, healthcare, and education; top-ranked research coverage on over 150 MENA companies and 11 key Arab economies; commercial banking solutions; and non-bank finance including microfinance via Tanmeyah, consumer finance and securitization via Valu, factoring and leasing via EFG CorpSolutions, mortgage finance via Bedaya, insurance via Kaf, payments via PayTabs Egypt, financial technology via EFG EV Fintech, micro-VC, B2B marketplace, and invoice trading via Fatura. EFG Holding maintains a direct presence in eight countries including Egypt, UAE, Saudi Arabia, Pakistan, Oman, Kuwait, Jordan, Kenya, Nigeria, UK, US, and Bangladesh, serving sovereign wealth funds, endowments, corporations, financial institutions, SMEs, entrepreneurs, and individual clients with over 4,500 employees from 25 nationalities. In recent developments, the company changed its name from EFG-Hermes Holding S.A.E. to EFG Holding Company S.A.E. in July 2023 to reflect its evolution into a universal bank in Egypt; EFG Finance approved the acquisition of Fatura, a B2B invoice trading platform, from MaxAB-Wasoko; Valu, its consumer finance arm, listed on the Egyptian Exchange (EGX) in 2025 with Amazon as an investor while EFG Finance retained a 67% stake; and the group reported robust 2Q2025 results with net profit after tax of EGP802 million, revenues up 21% year-over-year to EGP6.1 billion driven by EFG Finance growth including Valu up 71%, alongside sustained leadership in MENA brokerage market share.