EFG Holding S.A.E.

EFG Holding S.A.E.

1.00
USD
0.00
(0.00%)
0.19EPS
9.23P/E
704.69MMarket Cap
Nov 18Next Earn
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
6.58
8.27
1.67
2.66
6.77
7.6
10.78
9.96
13.02
20.94
33.11
54.5
71.81
63.73
Basic EPS, GAAP
-0.83
0.87
0.75
2.46
1.98
1.64
2.23
2.11
2.52
2.77
3.83
6.6
6.33
5.85
Free Cash Flow per Basic Share
-0.45
0.78
8.38
3.79
-13.94
8.94
6.88
-7.67
-11.56
17.47
-13.61
-22.48
-37.33
-27.39
Dividend per Share
0.19
0.18
0.1
0.07
2.77
0.22
0.99
0.22
0.07
0.58
0.76
0.96
1.22
2.1
Book Value per Share
13.49
15
17.3
23.78
22.11
22.66
22.13
22.08
22.49
29.06
35.81
53.16
55.29
56.39
Tangible Book Value per Share
7.24
8.12
9.35
22.75
20.51
21.03
20.51
20.48
20.96
26.07
32.24
49.28
52.32
53.34
Basic Weighted Avg Shares
654
616
617
576
617
617
617
617
617
651
651
645
641
660
Sales/Revenue/Turnover
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
42,056
Operating Margin (%)
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
51.41
Depreciation Expense
95
86
28
105
221
76
110
171
196
336
481
634
895
1,049
Net Income, GAAP
-540
538
461
1,414
1,225
1,012
1,378
1,305
1,553
1,803
2,494
4,254
4,058
3,862
Effective Tax Rate (%)
- -
14.82
13.26
10.92
9.2
16.8
8.4
19.71
17.33
33.87
25.68
30.78
16.54
18.78
Profit Margin (%)
-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
9.18
Working Capital
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
-19,015
LT Debt
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
29,309
Total Equity
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
46,224
Return on Invested Capital (%)
- -
17.63
0.77
-3.92
8.19
6.64
10.82
7.63
8.42
8.69
16.87
21.7
24.6
17.35
Return on Capital (%)
- -
16.85
1.9
9.01
8.86
8.26
9.92
7.49
8.41
12.65
18.4
21.8
20.71
1.51
Return on Common Equity (%)
-6.16
5.97
4.82
11.96
8.96
7.33
9.97
9.57
10.99
10.74
11.81
14.83
11.68
10.87

Capital Structure

EGP

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
31,762
32,304
29,664
LT Borrowings
21,838
28,383
27,966
LT Finance Leases
1,325
1,015
1,343
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
641
641
641
Market Capitalization
30,526
43,627
34,586

Working Capital

EGP

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
118,617
154,324
149,647
Cash, Cash Equivalents & STI
48,297
60,463
55,925
Accounts Receivable, Net
17,673
40,925
26,243
Inventories
- -
- -
- -
Total Current Liabilities
149,806
177,829
168,662
Payables & Accruals
- -
- -
- -
ST Debt
31,762
32,304
29,664
Deferred Revenue
- -
- -
- -

Growth Rates

EGP

•

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

EGP

•

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
12,792
- -
- -
- -

Quarterly Earnings Per Share

EGP

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
2.79
1.21
1.07
1.32
6.6
2025
1.86
1.23
1.32
1.68
6.33
2026
1.61
1.21
- -
- -
- -

Quarterly Dividends Per Share

EGP

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.33
0.48
- -
0.13
0.96
2025
0.41
0.66
0.01
0.1
1.22
2026
0.89
1.14
- -
- -
- -

Company Description

CEO
Karim Aly Awad Saleh Salama
Full Time Employees
4,500
Sector
Finance
Industry
Investment banks/Brokers
Address
Building No. B129 6th of October City GZ Egypt 12577
IPO Date
Feb 10, 1999
Business
EFG Holding Company S.A.E. (EGX: HRHO.CA; LSE: EFGD), formerly EFG-Hermes Holding S.A.E., operates as a leading financial services provider in the Middle East and North Africa (MENA) region and beyond, offering investment banking, non-bank financial institutions (NBFI), and commercial banking products through its three core verticals: EFG Hermes, EFG Finance, and BANK NXT. EFG Hermes delivers advisory services including equity and debt capital markets, mergers and acquisitions, and merchant banking; securities brokerage for institutions, high-net-worth individuals, and retail investors; asset management encompassing mutual funds, Sharia-compliant mandates, and alternative investments; research coverage; and private equity focused on sectors such as education, healthcare, energy, and renewables. EFG Finance, the fastest-growing NBFI platform, provides microfinance through Tanmeyah; leasing and factoring via EFG Corp-Solutions; fintech solutions including payments with PayTabs Egypt, buy-now-pay-later with Valu, and B2B marketplace Fatura; mortgage finance through Bedaya; insurance via Kaf; and additional services like EFG EV Fintech; while BANK NXT offers integrated retail, corporate, and Islamic banking products including loan syndication in Egypt. The company maintains operations across Egypt, United Arab Emirates, Saudi Arabia, Kuwait, Bahrain, Pakistan, United Kingdom, Kenya, Nigeria, Jordan, Oman, Qatar, Lebanon, Syria, Sub-Saharan Africa, South Asia, Bangladesh, and Vietnam, targeting governments, corporations, financial institutions, high-net-worth individuals, SMEs, entrepreneurs, and retail investors. Founded in 1984 and headquartered in 6th of October City, Egypt, EFG Holding underwent a strategic rebranding from EFG-Hermes Holding S.A.E. to its current name in July 2023 to reflect its evolution into a universal bank; recent developments include acquiring a 51% stake in BANK NXT in November 2021, launching a USD 300 million Saudi Education Fund (SEF) in 2024 with an inaugural investment acquiring Britus Education, advising on Budget Saudi's USD 121 million acquisition of AutoWorld in July 2024, serving as joint financial advisor and bookrunner for Cherry Trading Company's SAR 252 million IPO on the Saudi Exchange in December 2025, planning Securities Borrowing and Lending services launch in Saudi Arabia in Q3 2025, and targeting a second close of USD 170 million for the SEF alongside USD 150 million investments in Egypt across education, healthcare, and energy in 2025.