Income Statement EFG Holding Company S.A.E

Stocks

HRHO

EGS69101C011

Investment Banking & Brokerage Services

End-of-day quote Egyptian Exchange Other stock markets 10/06/2026			5-day change	1st Jan Change
26.05 ^EGP	-2.43%		-3.55%	+4.53%

20/05	Mideast stocks-Gulf bourses fall as US-Iran uncertainty keeps investors cautious	RE
20/05	EFG Holding Company S.A.E Reports Earnings Results for the First Quarter Ended March 31, 2026	CI

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Published financial data: EFG HOLDING COMPANY S.A.E

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest and Dividend Income, Total	444.82Cr	930.15Cr	1.36TCr	2.24TCr	2.71TCr
Interest Expense, Total	183.13Cr	569.8Cr	886.38Cr	1.53TCr	1.95TCr
Net Interest Income	261.69Cr	360.35Cr	470.25Cr	709.54Cr	756.51Cr
Brokerage Commission	339.51Cr	480.48Cr	716.19Cr	1.15TCr	1.4TCr
Gain (Loss) on Sale of Investments, Total (Rev)	-8.35Cr	7.6Cr	158.36Cr	367.21Cr	142.38Cr
Other Revenues, Total	22Cr	46Cr	78Cr	-29Cr	442.57Cr
Revenues Before Provison For Loan Losses	614.95Cr	894.24Cr	1.42TCr	2.19TCr	2.74TCr
Provision For Loan Losses	10Cr	53Cr	84Cr	-	85Cr
Total Revenues	604.51Cr	841.04Cr	1.34TCr	2.19TCr	2.66TCr
Salaries And Other Employee Benefits	15Cr	14Cr	13Cr	7.39Cr	8.39Cr
Cost of Services Provided, Total	386.18Cr	679.51Cr	920.08Cr	1.6TCr	1.81TCr
Depreciation & Amortization - (IS) - (Collected)	19Cr	30Cr	48Cr	63Cr	90Cr
Provision for Bad Debts	3.48Cr	17Cr	19Cr	-	-1.48Cr
Other Operating Expenses	9.74Cr	16Cr	24Cr	67Cr	33Cr
Total Operating Expenses	433.74Cr	755.51Cr	1.02TCr	1.74TCr	1.94TCr
Operating Income	170.77Cr	86Cr	315Cr	456Cr	712.78Cr
Income (Loss) on Equity Invest.	-	-	-	-	-
Currency Exchange Gains (Loss)	23Cr	249.57Cr	115.48Cr	290.77Cr	59Cr
Other Non Operating Income (Expenses)	-56.73L	-2.12Cr	-3.81Cr	-4.07Cr	-11Cr
EBT, Excl. Unusual Items	193.62Cr	332.98Cr	426.68Cr	742.7Cr	760.91Cr
Impairment of Goodwill	-1.6Cr	-1.02Cr	-1.2Cr	-	-
Gain (Loss) on Sale of Investments	16.62L	-2.72Cr	1L	-	-1.45Cr
Gain (Loss) on Sale of Assets	38.64L	54.87L	97.97L	3.05Cr	-
Asset Writedown	-	-	-	-	-10Cr
EBT, Incl. Unusual Items	192.57Cr	329.78Cr	426.47Cr	745.75Cr	749.42Cr
Income Tax Expense	35Cr	110.37Cr	109.4Cr	237.04Cr	123.96Cr
Earnings From Continuing Operations	157.49Cr	219.41Cr	317.07Cr	508.71Cr	625.46Cr
Earnings Of Discontinued Operations	-	-	-	-	-
Net Income to Company	157.49Cr	219.41Cr	317.07Cr	508.71Cr	625.46Cr
Minority Interest	-12Cr	-35Cr	-67Cr	-99Cr	-219.63Cr
Net Income - (IS)	145.65Cr	183.97Cr	249.85Cr	409.89Cr	405.83Cr
Net Income to Common Incl Extra Items	145.65Cr	183.97Cr	249.85Cr	409.89Cr	405.83Cr
Net Income to Common Excl. Extra Items	145.65Cr	183.97Cr	249.85Cr	409.89Cr	405.83Cr
Per Share Items
Net EPS - Basic	1	1.26	1.71	2.84	2.83
Basic EPS - Continuing Operations	1	1.26	1.71	2.84	2.83
Basic Weighted Average Shares Outstanding	145.96Cr	145.96Cr	145.96Cr	144.52Cr	143.59Cr
Net EPS - Diluted	1	1.26	1.71	2.84	2.83
Diluted EPS - Continuing Operations	1	1.26	1.71	2.84	2.83
Diluted Weighted Average Shares Outstanding	145.96Cr	145.96Cr	145.96Cr	144.52Cr	143.59Cr
Normalized Basic EPS	0.75	1.18	1.37	2.53	1.78
Normalized Diluted EPS	0.75	1.18	1.37	2.53	1.78
Dividend Per Share	-	-	-	-	-
Payout Ratio	2.96	20.55	19.81	15.16	19.24
American Depositary Receipts Ratio (ADR)	2	2	2	2	2
Supplemental Items
Total Revenues (As Reported)	-	-	-	-	-
Effective Tax Rate - (Ratio)	18.22	33.47	25.65	31.79	16.54
Total Current Taxes	37Cr	70Cr	95Cr	143.96Cr	240.53Cr
Total Deferred Taxes	-1.65Cr	40Cr	15Cr	93Cr	-116.58Cr
Normalized Net Income	109.17Cr	172.67Cr	199.45Cr	365.37Cr	255.94Cr
Non-Cash Pension Expense	-	-	-	48.54L	53.59L
Supplemental Operating Expense Items
Stock-Based Comp., G&A Exp. (Total)	15Cr	14Cr	13Cr	7.39Cr	8.39Cr
Total Stock-Based Compensation	15Cr	14Cr	13Cr	7.39Cr	8.39Cr

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	3.09TCr	2.62TCr	3.23TCr	5.15TCr	4.68TCr
Accounts Receivable, Total	102.98Cr	150.78Cr	179.64Cr	347.27Cr	526.22Cr
Other Receivables	1.57TCr	1.87TCr	2.5TCr	7.37TCr	9.57TCr
Gross Property Plant And Equipment	217.15Cr	320.88Cr	409.13Cr	-	712.77Cr
Accumulated Depreciation	-117.21Cr	-157.28Cr	-191.35Cr	-	-312.42Cr
Net Property Plant And Equipment	100Cr	163.6Cr	217.78Cr	297.56Cr	400.35Cr
Goodwill	99Cr	175.19Cr	170.4Cr	155.69Cr	118.32Cr
Other Intangibles, Total	11Cr	20Cr	61Cr	93Cr	72Cr
Investment In Debt and Equity Securities	2.69TCr	2.56TCr	2.29TCr	2.49TCr	3.82TCr
Trading Asset Securities, Total	800.25Cr	677.29Cr	919.62Cr	2.35TCr	3.44TCr
Other Current Assets, Total	145.37Cr	195.46Cr	229.92Cr	319.78Cr	245.28Cr
Deferred Tax Assets Long-Term (Collected)	4.76Cr	6.45Cr	13Cr	23Cr	21Cr
Other Long-Term Assets, Total	1.05TCr	2.11TCr	2.39TCr	90Cr	177.62Cr
Total Assets	9.66TCr	11TCr	12TCr	19TCr	23TCr
Liabilities
Accounts Payable, Total	1.28TCr	1.04TCr	1.24TCr	2.92TCr	3.82TCr
Accrued Expenses, Total	182.46Cr	293.44Cr	370.26Cr	821.41Cr	655.68Cr
Short-Term Borrowings	936.86Cr	1.15TCr	1.3TCr	1.95TCr	2.09TCr
Current Portion of Long-Term Debt	1.05TCr	163.11Cr	234.81Cr	883.88Cr	2.14TCr
Current Portion of Leases	-	-	-	-	28Cr
Long-Term Debt	281.87Cr	390.64Cr	495.23Cr	676.21Cr	841.81Cr
Long-Term Leases	46Cr	41Cr	42Cr	56Cr	103.48Cr
Current Income Taxes Payable	36Cr	47Cr	64Cr	102.07Cr	192.3Cr
Unearned Revenue, Current	-	-	-	-	-
Other Current Liabilities - (Brok / FS / Ins. / REIT Template)	1.95TCr	2.38TCr	4.61TCr	2.84TCr	3.99TCr
Unearned Revenue Non Current	5.06Cr	15Cr	7.66Cr	15Cr	9.35Cr
Pension & Other Post Retirement Benefits	-	-	-	89Cr	88Cr
Deferred Tax Liability Non-Current	30Cr	80Cr	99Cr	208.37Cr	89Cr
Other Non Current Liabilities	2.13TCr	2.71TCr	989.52Cr	4.18TCr	4.51TCr
Total Liabilities	7.93TCr	8.31TCr	9.45TCr	15TCr	19TCr
Common Stock, Total	486.54Cr	583.84Cr	729.8Cr	729.8Cr	717.95Cr
Additional Paid In Capital	166.86Cr	166.86Cr	166.86Cr	179.78Cr	184.35Cr
Retained Earnings	723.08Cr	832.78Cr	951.14Cr	1.36TCr	1.67TCr
Treasury Stock	-	-	-	-40Cr	-
Comprehensive Income and Other	78Cr	312.54Cr	484.3Cr	1.18TCr	966.1Cr
Total Common Equity	1.45TCr	1.9TCr	2.33TCr	3.41TCr	3.54TCr
Minority Interest	275.82Cr	341.59Cr	407.49Cr	530.91Cr	953.54Cr
Total Equity	1.73TCr	2.24TCr	2.74TCr	3.94TCr	4.5TCr
Total Liabilities And Equity	9.66TCr	11TCr	12TCr	19TCr	23TCr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	145.96Cr	145.96Cr	145.96Cr	143.59Cr	143.59Cr
ECS Total Common Shares Outstanding	145.96Cr	145.96Cr	145.96Cr	143.59Cr	143.59Cr
Book Value / Share	9.97	12.99	15.98	23.72	24.67
Tangible Book Value	1.34TCr	1.7TCr	2.1TCr	3.16TCr	3.35TCr
Tangible Book Value Per Share	9.21	11.65	14.39	21.98	23.34
Total Debt	2.32TCr	1.75TCr	2.07TCr	3.57TCr	5.2TCr
Debt Equivalent of Unfunded Proj. Benefit Obligation	-	-	-	8.95Cr	12Cr
Net Debt	-1.57TCr	-1.55TCr	-2.08TCr	-3.93TCr	-2.92TCr
Equity Method Investments, Total	46Cr	61Cr	84Cr	80Cr	35Cr

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	145.65Cr	183.97Cr	249.85Cr	409.89Cr	405.83Cr
Depreciation, Depletion & Amortization	17Cr	26Cr	35Cr	45Cr	68Cr
Amortization of Goodwill and Intangible Assets - (CF)	2.24Cr	1.1Cr	8.03Cr	9.27Cr	5.01Cr
Total Depreciation, Depletion & Amortization	19Cr	27Cr	43Cr	55Cr	73Cr
Amortization of Deferred Charges, Total	-	2.69Cr	5.11Cr	8.69Cr	16Cr
(Gain) Loss On Sale of Asset - (CF)	-1.85Cr	-96.87L	-19Cr	-3.31Cr	-176.81Cr
(Gain) Loss on Sale of Investments - (CF)	4.25Cr	-46Cr	-183.86Cr	-352.62Cr	-327.81Cr
Total Asset Writedown	1.6Cr	1.02Cr	1.2Cr	5.84Cr	10Cr
Provision for Credit Losses	10Cr	53Cr	84Cr	68Cr	85Cr
(Income) Loss On Equity Investments - (CF)	1.42Cr	-7.66Cr	-4.5Cr	-4.89Cr	-7.27Cr
Stock-Based Compensation (CF)	15Cr	14Cr	13Cr	7.39Cr	8.39Cr
Provision and Write-off of Bad Debts	1.9Cr	17Cr	13Cr	-4.98Cr	-1.48Cr
Change in Trading Asset Securities	-230.21Cr	509.6Cr	-45Cr	47Cr	-1.06TCr
Change in Accounts Receivable	-92Cr	718.77Cr	185.49Cr	-386.92Cr	56Cr
Change in Accounts Payable	491.43Cr	-1.55TCr	-235.3Cr	632.54Cr	728.75Cr
Change in Other Net Operating Assets (Collected)	-1.06TCr	1.05TCr	-925.57Cr	-2.22TCr	-1.99TCr
Other Operating Activities	-11Cr	197.63Cr	-43Cr	414.75Cr	-117.3Cr
Cash from Operations	-703.77Cr	1.17TCr	-860.44Cr	-1.33TCr	-2.3TCr
Capital Expenditure	-9.74Cr	-36Cr	-74Cr	-124.13Cr	-93Cr
Sale of Property, Plant, and Equipment	14Cr	73.78L	8.92Cr	3.64Cr	217.53Cr
Cash Acquisitions	-296.59Cr	-84Cr	-6.97Cr	-55.62L	-26Cr
Divestitures	-	38Cr	18Cr	-	50Cr
Sale (Purchase) of Real Estate Properties (Collected)	-	-	7.02Cr	95.79L	-
Investment in Marketable and Equity Securities, Total	380.6Cr	129.98Cr	777.84Cr	325.22Cr	-1.13TCr
Net (Increase) Decrease in Loans Originated / Sold - Investing	-	-	-	-	-
Other Investing Activities, Total	85.84L	2.61Cr	2.31Cr	1.62Cr	1Cr
Cash from Investing	89Cr	51Cr	733.42Cr	206.75Cr	-976.36Cr
Short Term Debt Issued, Total	55Cr	-	-	-	-
Long-Term Debt Issued, Total	579.8Cr	268.64Cr	382.03Cr	848.96Cr	3.95TCr
Total Debt Issued	634.8Cr	268.64Cr	382.03Cr	848.96Cr	3.95TCr
Short Term Debt Repaid, Total	-50Cr	-	-	-	-
Long-Term Debt Repaid, Total	-90Cr	-1.25TCr	-108.99Cr	-250.12Cr	-2.53TCr
Total Debt Repaid	-140.42Cr	-1.25TCr	-108.99Cr	-250.12Cr	-2.53TCr
Repurchase of Common Stock	-	-	-	-40Cr	-
Common Dividends Paid	-4.32Cr	-38Cr	-50Cr	-62Cr	-78Cr
Common & Preferred Stock Dividends Paid	-4.32Cr	-38Cr	-50Cr	-62Cr	-78Cr
Other Financing Activities, Total	111.25Cr	352.16Cr	512.34Cr	493.58Cr	1.16TCr
Cash from Financing	601.32Cr	-667.47Cr	735.87Cr	990.27Cr	2.49TCr
Foreign Exchange Rate Adjustments	-	-	-	552.61Cr	-
Miscellaneous Cash Flow Adjustments	238.25Cr	52.64L	36.7L	-	-
Net Change in Cash	224.87Cr	557.97Cr	609.21Cr	424.62Cr	-783.25Cr
Supplemental Items
Cash Income Tax Paid (Refund)	23Cr	59Cr	77Cr	105.26Cr	147.09Cr
Net Debt Issued / Repaid	494.38Cr	-981.81Cr	273.04Cr	598.84Cr	1.41TCr

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	2.33	2.16	2.78	3.29	3
Return On Equity %	10.08	10.98	12.74	15.24	14.83
Return on Common Equity	10.34	10.95	11.83	14.29	11.68
Margin Analysis
Gross Profit Margin %	94.31	93.96	94.62	93.81	91.16
SG&A Margin	60.67	76.41	64.36	67.09	59.78
Income From Continuing Operations Margin %	26.05	26.09	23.7	23.2	23.54
Net Income Margin %	24.09	21.87	18.67	18.69	15.27
Net Avail. For Common Margin %	24.09	21.87	18.67	18.69	15.27
Normalized Net Income Margin	18.06	20.53	14.91	16.66	9.63
Asset Turnover
Asset Turnover	0.09	0.08	0.12	0.14	0.13
Short Term Liquidity
Current Ratio	1.05	1.09	0.9	1.63	1.43
Quick Ratio	1.02	1.05	0.87	1.6	1.41
Operating Cash Flow to Current Liabilities	-0.13	0.23	-0.11	-0.14	-0.18
Long Term Solvency
Total Debt/Equity	134.02	78.18	75.5	90.69	115.71
Total Debt / Total Capital	57.27	43.88	43.02	47.56	53.64
LT Debt/Equity	18.96	19.3	19.61	18.6	21.03
Long-Term Debt / Total Capital	8.1	10.83	11.17	9.75	9.75
Total Liabilities / Total Assets	82.08	78.79	77.53	78.93	80.51
Growth Over Prior Year
Total Revenues, 1 Yr. Growth %	10.52	39.13	59.1	67.17	20.1
Gross Profit, 1 Yr. Growth %	9.68	38.61	60.23	65.93	16.64
Earnings From Cont. Operations, 1 Yr. Growth %	17.47	31.35	47.14	79.49	17.32
Net Income, 1 Yr. Growth %	11.57	18.46	38.59	85.29	-4.6
Normalized Net Income, 1 Yr. Growth %	7.61	58.27	17.01	102.61	-33
Diluted EPS Before Extra, 1 Yr. Growth %	5.76	18.46	38.59	87.14	-3.98
Common Equity, 1 Yr. Growth %	6.76	29.47	23.24	46.07	4
Total Assets, 1 Yr. Growth %	149.33	8.34	14.9	53.29	23.42
Tangible Book Value, 1 Yr. Growth %	6.31	24.58	23.74	50.34	6.18
Cash From Operations, 1 Yr. Growth %	51.8	-266.83	-173.28	56.7	73.48
Capital Expenditures, 1 Yr. Growth %	-3.67	273.73	102.17	68.58	-25.04
Compound Annual Growth Rate Over Two Years
Total Revenues, 2 Yr. CAGR %	5.96	24	48.78	61.48	42.32
Gross Profit, 2 Yr. CAGR %	6.2	23.3	49.03	61.35	39.77
Earnings From Cont. Operations, 2 Yr. CAGR %	6.17	27.93	37.77	53.65	48.55
Net Income, 2 Yr. CAGR %	2.8	18.71	26.84	50.79	35.44
Normalized Net Income, 2 Yr. CAGR %	8.1	30.46	35.21	46.41	19.13
Diluted EPS Before Extra, 2 Yr. CAGR %	0.09	15.58	26.84	51.54	36.56
Common Equity, 2 Yr. CAGR %	3.21	17.96	26.19	34.16	23.26
Total Assets, 2 Yr. CAGR %	47.61	65.03	11.88	32.71	37.55
Tangible Book Value, 2 Yr. CAGR %	3.04	15.98	24.05	36.37	26.35
Cash From Operations, 2 Yr. CAGR %	26.89	59.14	10.57	6.23	64.88
Capital Expenditures, 2 Yr. CAGR %	-12.01	89.74	174.88	84.62	12.42
Compound Annual Growth Rate Over Three Years
Total Revenues, 3 Yr. CAGR %	17.58	16.03	34.75	53.66	46.73
Gross Profit, 3 Yr. CAGR %	16.89	16.06	34.55	53.39	45.26
Earnings From Cont. Operations, 3 Yr. CAGR %	14.54	16.23	33.23	44.95	42.65
Net Income, 3 Yr. CAGR %	12.89	10.11	24.16	38.2	31.06
Normalized Net Income, 3 Yr. CAGR %	13.25	22.72	25.27	49.61	14.51
Diluted EPS Before Extra, 3 Yr. CAGR %	10.89	8.16	21.96	38.66	31.78
Common Equity, 3 Yr. CAGR %	1.32	11.55	19.61	32.49	23.24
Total Assets, 3 Yr. CAGR %	48.71	33.51	46.54	24.27	29.54
Tangible Book Value, 3 Yr. CAGR %	1.17	10.34	18.44	32.24	25.45
Cash From Operations, 3 Yr. CAGR %	0.34	39.01	22.89	23.48	25.1
Capital Expenditures, 3 Yr. CAGR %	-59.35	42.5	93.8	133.54	36.71
Compound Annual Growth Rate Over Five Years
Total Revenues, 5 Yr. CAGR %	34.91	17.47	29.19	32.43	37.18
Gross Profit, 5 Yr. CAGR %	34.64	16.97	28.82	32.41	36.04
Earnings From Cont. Operations, 5 Yr. CAGR %	-0.51	11.97	24.78	29.49	36.07
Net Income, 5 Yr. CAGR %	0.59	8.48	19.8	24.36	25.46
Normalized Net Income, 5 Yr. CAGR %	-0.26	15.73	21.55	31.36	20.33
Diluted EPS Before Extra, 5 Yr. CAGR %	-	7.32	18.53	23.28	24.54
Common Equity, 5 Yr. CAGR %	1.22	6.8	10.77	20.05	21.05
Total Assets, 5 Yr. CAGR %	33.59	20.64	32.93	33.34	42.87
Tangible Book Value, 5 Yr. CAGR %	0.52	6.08	10.11	20.05	21.53
Cash From Operations, 5 Yr. CAGR %	18.68	9.71	4.31	24.83	37.74
Capital Expenditures, 5 Yr. CAGR %	-34.45	-21.47	-12.68	58.05	55.86