Housing & Development Bank vs Tanmiya for Real Estate Investment
Side-by-side comparison — Finance, Egyptian Exchange
Housing & Development Bank and Tanmiya for Real Estate Investment both trade on the Egyptian Exchange in the Finance sector. This page sets 26 published figures for the two companies side by side, with the arithmetic difference between them. It reports what each company disclosed — it does not rank them.
Market
What the market currently says each company is worth, and how much of it is actually tradable.
| Metric | HDBK | TANM | Difference |
|---|---|---|---|
| Share priceShare prices are not comparable between companies on their own — a higher price does not mean a larger or more expensive company. | 110.43 EGP | 7.00 EGP | — |
| Market capitalisation | 119.44 bn EGP | 889.01 m EGP | HDBK 134.35× larger |
| Shares outstanding | 1.06 bn | 145.5 m | HDBK 7.30× larger |
| Free float | 37.91% | 34.96% | HDBK +2.96 pp |
| Beta (1 year)Beta above 1 means the share has moved more than the market over the past year, below 1 means less. It measures past co-movement, not risk of loss. | -0.18 | 0.54 | TANM +0.72 |
Valuation
What you pay per unit of earnings, assets and income. These are the rows most often missing: a blank means the company has not published the figure, not that it is zero.
| Metric | HDBK | TANM | Difference |
|---|---|---|---|
| P/E ratioA lower P/E is not automatically cheaper — it can equally reflect earnings the market expects to fall. | 5.85 | — | — |
| P/B ratio | 2.73 | — | — |
| Dividend yield | 3.56% | 0.00% | HDBK +3.56 pp |
| Dividend per share | 4.00 EGP | 0.00 EGP | — |
Income statement (fiscal year)
The last full reported financial year for each company. Fiscal years do not always end in the same month, so treat a gap as a difference in scale rather than a like-for-like quarter comparison.
| Metric | HDBK | TANM | Difference |
|---|---|---|---|
| Revenue | 44.74 bn EGP | 64.4 m EGP | HDBK 694.74× larger |
| Operating income | 23.8 bn EGP | — | — |
| Net income | 18.68 bn EGP | 34.34 m EGP | HDBK 544.03× larger |
| Earnings per share | 17.58 EGP | 0.24 EGP | HDBK 74.49× larger |
| Free cash flow | 22.08 bn EGP | 22.72 m EGP | HDBK 972.02× larger |
Balance sheet
What each company owns and owes. Absolute size matters less than the relationship between the two, and banks carry balance sheets that are structurally far larger than an industrial company of similar market value.
| Metric | HDBK | TANM | Difference |
|---|---|---|---|
| Total assets | 243.5 bn EGP | 267.01 m EGP | HDBK 911.96× larger |
| Total liabilities | 200.73 bn EGP | — | — |
| Total debt | 1.26 bn EGP | 33,000 EGP | HDBK 38063.92× larger |
| Book value | 42.77 bn EGP | — | — |
| Book value per share | 40.07 EGP | — | — |
Profitability
How much of what comes in is kept, and how hard the company works its capital. These ratios are the fairest same-sector comparison on the page because they are already scaled to company size.
| Metric | HDBK | TANM | Difference |
|---|---|---|---|
| Net profit margin | 57.91% | — | — |
| Operating margin | 73.79% | — | — |
| Return on equity | 52.94% | — | — |
| Return on assets | 8.64% | — | — |
Growth
Change against the prior reported period. In an economy that has seen high inflation, a positive revenue growth figure does not by itself mean the business grew in real terms.
| Metric | HDBK | TANM | Difference |
|---|---|---|---|
| Revenue growth | 38.36% | 74.71% | TANM +36.35 pp |
| Profit growth | 50.34% | 101.58% | TANM +51.24 pp |
| EPS growth | 50.34% | 101.54% | TANM +51.20 pp |
Figures are as published by each company via the Egyptian Exchange and refreshed with market data. A dash means the figure is not published, never zero.
How to read this comparison
Read the ratios before the absolute numbers. Revenue, assets and market capitalisation tell you how big each company is, and the larger one is not thereby the better one — size is a fact about scale, not about quality. The rows that actually compare two businesses are the ones already scaled to size: net and operating margin, return on equity and on assets, and the growth figures. Those say how much of each pound of revenue is kept and how productively capital is used, which is a question a small company can win. Where a row shows a dash, the company has not published that figure in the data we receive; it is never a zero, and a company with more blanks is not necessarily performing worse.
Why both companies are from the same sector
Comparison pages here pair companies within one sector, because most of these rows are only meaningful against a peer doing the same thing. A bank carries a balance sheet many times larger than an industrial company of the same market value, and its return on assets is correspondingly a fraction of the industrial firm’s — that gap says nothing about which is the stronger business. Margins differ structurally between retail, pharmaceuticals and real estate for the same reason. Held within a sector, the same numbers become a real question: of two companies facing the same customers, costs and regulator, which one converts revenue into profit more effectively.
What this page cannot tell you
A table of reported figures describes what has already happened. It does not contain the things that most often decide which of two companies is the better holding: the quality of management, the durability of a competitive position, pending litigation, customer concentration, currency exposure, a change of strategy, or anything the company will do next. Two firms with near-identical rows here can diverge sharply afterwards. Nothing on this page is a recommendation to buy, sell or hold either share, and no figure here should be relied on as the basis of a decision without reading the companies’ own filings.
Frequently asked
- Which is bigger, Housing & Development Bank or Tanmiya for Real Estate Investment?
- The market capitalisation row above answers this directly, along with the multiple between the two. Market cap is share price times shares outstanding, so it reflects what the market currently values each company at, not what either is worth on its books — the total assets and book value rows cover that.
- Which is the better investment, Housing & Development Bank or Tanmiya for Real Estate Investment?
- This page does not answer that and no comparison table can. It reports published figures and the difference between them; whether either share suits you depends on your objectives, your time horizon and your tolerance for loss, none of which are inputs to a table. Consider a licensed financial adviser before acting.
- Why are some rows empty?
- Because the company has not published that figure. Egyptian issuers disclose to different levels of detail, and ratios such as P/E and return on equity are among the least consistently reported. We leave the cell blank rather than substituting a zero or an estimate.
- Are Housing & Development Bank and Tanmiya for Real Estate Investment in the same sector?
- Yes — both are classified under Finance on the Egyptian Exchange, which is why they are paired. Comparing companies across different sectors produces gaps that reflect the industries rather than the businesses.
Informational only. This comparison is not investment advice and does not recommend either share.