1. Egypt Stocks

  2. •

    Finance

  3. •

    Regional banks
Housing & Development Bank

Housing & Development Bank

EEGX:HDBK
94.01
EGP
-4.99
(-5.04%)
15.01EPS
5.31P/E
168.91BMarket Cap
Dec 02Next Earn
Housing & Development Bank
EGX:HDBK
(Egyptian Exchange)

Recent

price

94.01

P/E

ratio

5.31

div

yld

5.20%

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
EGP
0.8
0.61
1.12
1.1
1.22
1.76
2.6
3.6
4.14
2.82
3.65
4.34
6.13
11.69
19.85
28.8
24.91
Revenue per Share
0.21
0.14
0.29
0.34
0.32
0.53
0.7
1.22
1.84
2.08
1.93
1.9
2.55
6.15
11.69
17.58
14.98
Basic EPS, GAAP
-0.7
-0.06
-0.76
-0.18
4.93
2.02
-2.54
9.18
-4.83
-2.56
6.07
6.93
11.53
14.46
40.84
33.22
32.07
Free Cash Flow per Basic Share
0.23
0.15
0.18
0.21
0.17
0.26
0.27
0.35
0.31
0.79
0.51
0.24
0.63
0.87
2.35
3.88
4.89
Dividend per Share
2.23
2.23
2.36
2.49
2.63
2.91
3.27
4.15
5.67
7
8.49
10.32
11.77
16.85
26.35
40.07
21.95
Book Value per Share
2.23
2.23
2.36
2.49
2.63
2.9
3.22
4.06
5.56
6.89
8.39
10.23
11.71
16.71
25.84
39.61
21.77
Tangible Book Value per Share
900
1,063
1,063
1,063
1,063
1,063
1,063
1,063
1,063
1,063
1,063
1,063
1,063
1,063
1,063
1,063
1,328
Basic Weighted Avg Shares
719
651
1,194
1,173
1,292
1,869
2,765
3,830
4,399
2,995
3,874
4,609
6,510
12,422
21,096
30,606
33,090
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
25
30
35
29
36
53
81
124
214
- -
246
267
266
260
374
595
654
Depreciation Expense
192
150
306
360
336
568
744
1,296
1,951
2,214
2,050
2,016
2,710
6,540
12,426
18,681
19,899
Net Income, GAAP
15.99
20.47
28.69
27.62
34.09
27.48
29.95
26.24
24.33
22.33
26.66
29.28
30.27
25.49
24.79
24.91
25.07
Effective Tax Rate (%)
26.63
23.02
25.63
30.72
25.98
30.39
26.92
33.84
44.35
73.9
52.92
43.74
41.62
52.65
58.9
61.04
60.14
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
2,352
769
1,114
1,487
78
1,734
170
157
128
832
484
1,066
1,170
1,112
1,128
1,121
1,069
LT Debt
3,097
3,099
3,374
3,551
2,849
3,148
3,542
4,484
6,119
7,532
9,121
11,070
12,638
18,052
28,171
42,773
46,878
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
3.1
5.74
6.15
7.45
14.37
17.08
30.65
35.53
30.16
22.71
18.43
20.77
39.55
51.16
50.95
48.02
Return on Capital (%)
- -
6.32
12.55
14
12.33
19.27
22.65
32.89
37.4
32.88
24.92
20.17
23.09
43
54.13
52.94
49.66
Return on Common Equity (%)

Capital Structure

EGP

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
1,063
1,063
2,125
Market Capitalization
47,636
87,611
168,911

Working Capital

EGP

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
48,186
53,533
44,104
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

EGP

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
30.6%
37.25%
51.83%
Free Cash Flow
-95.44%
53.95%
-18.65%
Net Income, GAAP
47.62%
62.88%
50.34%
Sales/Revenue/Turnover
36.47%
53.19%
45.08%
Total Cash Common Dividend
53.23%
77.62%
64.77%

Quarterly Revenue

EGP

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
4,213
5,074
5,638
6,146
21,096
2025
7,577
7,181
7,682
8,130
30,606
2026
8,609
8,670
- -
- -
- -

Quarterly Earnings Per Share

EGP

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
2.64
2.97
3.23
2.86
11.69
2025
4.66
4.32
4.6
4
17.58
2026
5.28
2.42
- -
- -
- -

Quarterly Dividends Per Share

EGP

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.51
1.68
0.03
0.14
2.35
2025
0.85
2.66
0.15
0.22
3.88
2026
1.48
2.13
- -
- -
- -
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Business
Housing & Development Bank S.A.E. is an Egypt-based commercial banking institution that provides a comprehensive range of retail, corporate, small and medium-sized enterprise (SME), Islamic, and investment banking services, alongside specialized housing and real estate development financing. The bank operates across distinct business segments: Retail and Individual Banking, Corporate Banking, Small and Medium Enterprises, Treasury and Capital Markets, and Islamic Banking. The company's core products and services include retail banking offerings, such as current, savings, and salary accounts; fixed- and variable-rate certificates of deposit (CDs) and time deposits; personal loans, auto finance, and secured consumer credit lines; credit, debit, and prepaid cards; mortgage and residential property loans offered under Central Bank of Egypt initiatives and direct proprietary schemes; corporate banking solutions, including working capital facilities, syndicated loans, structured finance, project finance, medium- and long-term commercial loans, cash management services, and trade finance instruments comprising letters of credit and letters of guarantee; small and medium-sized enterprise lending programs and point-of-sale merchant solutions; Sharia-compliant banking products provided via designated Islamic branches, including Murabaha and Musharaka financing contracts; treasury and investment banking operations, encompassing foreign exchange dealing, government debt instruments trading (treasury bills and bonds), liquidity management, and custody services; and digital banking channels, featuring HDB Net internet banking, the HDB Mobile banking application, electronic wallets, and automated teller machine (ATM) services. In recent major developments, Housing & Development Bank has advanced its strategic transformation program to evolve from a specialized mortgage-focused institution into a full-service, competitive universal commercial bank. The bank has substantially expanded its nationwide branch and electronic banking footprint across Egypt, deploying advanced digital and smart branches to broaden its customer acquisition across urban and industrial centers. Within digital transformation, the bank launched upgraded web and mobile banking platforms integrating instant payment network (IPN) capabilities, enhanced biometric security, and digital customer onboarding features. The bank has also entered into strategic partnerships with microfinance providers, fintech platforms, and multilateral financial institutions to channel dedicated credit facilities toward green financing, environmental sustainability projects, and underserved SME segments. Additionally, the bank maintains equity stakes and operational affiliations with real estate, investment, leasing, and asset management enterprises, including Housing and Development Real Estate Investment, City Edge Developments, and Hyde Park Developments. Founded in 1979, Housing & Development Bank S.A.E. is headquartered in Giza, Egypt, and its shares are publicly traded on the Egyptian Exchange under the ticker symbol HDBK.