The Saudi Investment Bank Logo

The Saudi Investment Bank

1030.SR

(3.5)
Stock Price

13,76 SAR

1.29% ROA

11.61% ROE

8.94x PER

Market Cap.

16.425.000.000,00 SAR

208.43% DER

6.16% Yield

30.68% NPM

The Saudi Investment Bank Stock Analysis

The Saudi Investment Bank Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

The Saudi Investment Bank Fundamental Stock Analysis
# Analysis Rating
1 PBV

The stock's low PBV ratio (0.91x) suggests it's undervalued, making it an attractive opportunity for investors.

2 DER

The stock has a minimal amount of debt (0%) relative to its ownership, showcasing a strong financial position and lower risk for investors.

3 Net Profit Growth

This company's net profit has consistently grown over the last five years, indicating a strong financial performance and making it an attractive investment opportunity.

4 ROE

ROE in an average range (10.5%) suggests satisfactory profitability and decent utilization of shareholders' equity.

5 ROA

The stock's ROA (1.42%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

6 Revenue Growth

Over the past three years, this company's revenue has consistently grown, demonstrating a positive financial trend that makes it an appealing choice.

7 Assets Growth

Company's revenue has experienced consistent growth over the last three years, indicating a favorable financial trajectory and making it an attractive investment choice.

8 Graham Number

The Graham number analysis indicates that this company's stock price is likely undervalued, raising prospects for a favorable investment opportunity.

9 Dividend Growth

With a history of consistent dividend increases over the last three years, the company has proven to be a reliable choice for investors seeking reliable income.

10 Dividend

Investors can take comfort in the fact that the company has consistently distributed dividends over the past three years, demonstrating a commitment to rewarding shareholders.

11 Buffet Intrinsic Value

The company's stock seems undervalued (88) by Warren Buffett's formula, indicating a promising investment opportunity as its intrinsic value exceeds the market price.

The Saudi Investment Bank Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

The Saudi Investment Bank Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Buy
3 RSI Hold
4 Stoch RSI Buy

The Saudi Investment Bank Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

The Saudi Investment Bank Revenue
Year Revenue Growth
2006 3.212.788.000
2007 2.518.494.000 -27.57%
2008 2.922.396.000 13.82%
2009 1.957.121.000 -49.32%
2010 1.900.335.000 -2.99%
2011 1.595.964.000 -19.07%
2012 1.652.602.000 3.43%
2013 1.992.665.000 17.07%
2014 2.521.176.000 20.96%
2015 2.324.649.000 -8.45%
2016 2.111.605.000 -10.09%
2017 2.551.261.000 17.23%
2018 2.712.760.000 5.95%
2019 2.818.228.000 3.74%
2020 2.844.407.000 0.92%
2021 2.772.912.000 -2.58%
2022 3.281.043.000 15.49%
2023 4.019.048.000 18.36%
2023 3.966.150.000 -1.33%
2024 9.614.772.000 58.75%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

The Saudi Investment Bank Research and Development Expenses
Year Research and Development Expenses Growth
2006 0
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

The Saudi Investment Bank General and Administrative Expenses
Year General and Administrative Expenses Growth
2006 79.539.000
2007 70.568.000 -12.71%
2008 -24.786.000 384.71%
2009 59.238.000 141.84%
2010 42.245.000 -40.22%
2011 114.114.000 62.98%
2012 117.921.000 3.23%
2013 152.922.000 22.89%
2014 237.356.000 35.57%
2015 224.687.000 -5.64%
2016 229.420.000 2.06%
2017 225.670.000 -1.66%
2018 252.001.000 10.45%
2019 320.322.000 21.33%
2020 214.075.000 -49.63%
2021 254.774.000 15.97%
2022 394.877.000 35.48%
2023 593.132.000 33.43%
2023 525.259.000 -12.92%
2024 643.872.000 18.42%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

The Saudi Investment Bank EBITDA
Year EBITDA Growth
2006 2.037.699.000
2007 865.797.000 -135.36%
2008 578.895.000 -49.56%
2009 573.299.000 -0.98%
2010 486.732.000 -17.79%
2011 772.466.000 36.99%
2012 982.078.000 21.34%
2013 1.358.531.000 27.71%
2014 1.505.374.000 9.75%
2015 1.409.238.000 -6.82%
2016 1.141.959.000 -23.41%
2017 1.503.357.000 24.04%
2018 1.561.957.000 3.75%
2019 473.018.000 -230.21%
2020 1.373.183.000 65.55%
2021 1.418.216.000 3.18%
2022 1.866.951.000 24.04%
2023 2.303.480.000 18.95%
2023 2.211.793.000 -4.15%
2024 -2.249.200.000 198.34%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

The Saudi Investment Bank Gross Profit
Year Gross Profit Growth
2006 3.212.788.000
2007 2.518.494.000 -27.57%
2008 2.922.396.000 13.82%
2009 1.957.121.000 -49.32%
2010 1.900.335.000 -2.99%
2011 1.595.964.000 -19.07%
2012 1.652.602.000 3.43%
2013 1.992.665.000 17.07%
2014 2.521.176.000 20.96%
2015 2.324.649.000 -8.45%
2016 2.111.605.000 -10.09%
2017 2.551.261.000 17.23%
2018 2.712.760.000 5.95%
2019 2.818.228.000 3.74%
2020 2.844.407.000 0.92%
2021 2.772.912.000 -2.58%
2022 3.281.043.000 15.49%
2023 4.019.048.000 18.36%
2023 3.966.150.000 -1.33%
2024 8.625.600.000 54.02%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

The Saudi Investment Bank Net Profit
Year Net Profit Growth
2006 2.006.258.000
2007 822.185.000 -144.02%
2008 530.016.000 -55.12%
2009 521.626.000 -1.61%
2010 429.335.000 -21.5%
2011 707.606.000 39.33%
2012 912.037.000 22.41%
2013 1.286.834.000 29.13%
2014 1.436.479.000 10.42%
2015 1.328.657.000 -8.12%
2016 1.052.958.000 -26.18%
2017 1.410.798.000 25.36%
2018 1.458.718.000 3.29%
2019 239.461.000 -509.17%
2020 979.561.000 75.55%
2021 1.061.656.000 7.73%
2022 1.507.855.000 29.59%
2023 1.846.572.000 18.34%
2023 1.761.607.000 -4.82%
2024 1.945.512.000 9.45%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

The Saudi Investment Bank Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2006 4
2007 1 0%
2008 1 0%
2009 1 0%
2010 0 0%
2011 1 0%
2012 1 0%
2013 1 100%
2014 1 0%
2015 1 0%
2016 1 0%
2017 1 0%
2018 1 0%
2019 0 0%
2020 1 0%
2021 1 0%
2022 1 100%
2023 2 0%
2023 2 0%
2024 1 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

The Saudi Investment Bank Free Cashflow
Year Free Cashflow Growth
2006 -274.812.000
2007 3.332.907.000 108.25%
2008 2.634.903.000 -26.49%
2009 -5.219.848.000 150.48%
2010 -151.165.000 -3353.08%
2011 2.565.469.000 105.89%
2012 -960.407.000 367.12%
2013 9.571.674.000 110.03%
2014 580.640.000 -1548.47%
2015 -2.046.137.000 128.38%
2016 -638.034.000 -220.69%
2017 1.785.665.000 135.73%
2018 2.533.112.000 29.51%
2019 8.075.348.000 68.63%
2020 1.450.945.000 -456.56%
2021 1.252.590.000 -15.84%
2022 -3.512.897.000 135.66%
2023 9.502.483.000 136.97%
2023 3.537.422.000 -168.63%
2024 401.266.000 -781.57%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

The Saudi Investment Bank Operating Cashflow
Year Operating Cashflow Growth
2006 -82.899.000
2007 3.460.872.000 102.4%
2008 2.851.266.000 -21.38%
2009 -4.982.310.000 157.23%
2010 -52.388.000 -9410.4%
2011 2.627.277.000 101.99%
2012 -930.676.000 382.3%
2013 9.649.056.000 109.65%
2014 687.017.000 -1304.49%
2015 -1.853.519.000 137.07%
2016 -582.996.000 -217.93%
2017 1.893.545.000 130.79%
2018 2.694.668.000 29.73%
2019 8.238.994.000 67.29%
2020 1.557.037.000 -429.15%
2021 1.434.380.000 -8.55%
2022 -3.059.516.000 146.88%
2023 9.720.913.000 131.47%
2023 3.595.879.000 -170.33%
2024 482.213.000 -645.7%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

The Saudi Investment Bank Capital Expenditure
Year Capital Expenditure Growth
2006 191.913.000
2007 127.965.000 -49.97%
2008 216.363.000 40.86%
2009 237.538.000 8.91%
2010 98.777.000 -140.48%
2011 61.808.000 -59.81%
2012 29.731.000 -107.89%
2013 77.382.000 61.58%
2014 106.377.000 27.26%
2015 192.618.000 44.77%
2016 55.038.000 -249.97%
2017 107.880.000 48.98%
2018 161.556.000 33.22%
2019 163.646.000 1.28%
2020 106.092.000 -54.25%
2021 181.790.000 41.64%
2022 453.381.000 59.9%
2023 218.430.000 -107.56%
2023 58.457.000 -273.66%
2024 80.947.000 27.78%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

The Saudi Investment Bank Equity
Year Equity Growth
2006 6.001.317.000
2007 6.769.626.000 11.35%
2008 6.608.598.000 -2.44%
2009 7.428.130.000 11.03%
2010 8.141.374.000 8.76%
2011 8.557.296.000 4.86%
2012 9.378.826.000 8.76%
2013 10.252.775.000 8.52%
2014 11.852.132.000 13.49%
2015 12.036.462.000 1.53%
2016 13.543.188.000 11.13%
2017 14.279.067.000 5.15%
2018 13.438.676.000 -6.25%
2019 14.007.007.000 4.06%
2020 15.331.033.000 8.64%
2021 16.301.475.000 5.95%
2022 16.789.696.000 2.91%
2023 16.538.737.000 -1.52%
2023 17.235.053.000 4.04%
2024 15.000.592.000 -14.9%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

The Saudi Investment Bank Assets
Year Assets Growth
2006 40.844.623.000
2007 46.541.793.000 12.24%
2008 53.596.364.000 13.16%
2009 50.148.011.000 -6.88%
2010 51.491.233.000 2.61%
2011 51.945.582.000 0.87%
2012 59.066.650.000 12.06%
2013 80.495.413.000 26.62%
2014 93.626.440.000 14.02%
2015 93.633.719.000 0.01%
2016 94.361.498.000 0.77%
2017 93.796.219.000 -0.6%
2018 96.069.908.000 2.37%
2019 100.814.596.000 4.71%
2020 99.884.532.000 -0.93%
2021 101.588.035.000 1.68%
2022 109.070.612.000 6.86%
2023 129.826.434.000 15.99%
2023 129.984.173.000 0.12%
2024 143.358.069.000 9.33%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

The Saudi Investment Bank Liabilities
Year Liabilities Growth
2006 34.843.306.000
2007 39.772.167.000 12.39%
2008 46.987.766.000 15.36%
2009 42.719.881.000 -9.99%
2010 43.349.859.000 1.45%
2011 43.388.286.000 0.09%
2012 49.687.824.000 12.68%
2013 70.242.638.000 29.26%
2014 81.774.308.000 14.1%
2015 81.597.257.000 -0.22%
2016 80.818.310.000 -0.96%
2017 79.517.152.000 -1.64%
2018 82.631.232.000 3.77%
2019 2.011.626.000 -4007.68%
2020 84.553.499.000 97.62%
2021 85.286.560.000 0.86%
2022 92.280.916.000 7.58%
2023 0 0%
2023 112.749.120.000 100%
2024 128.357.477.000 12.16%

The Saudi Investment Bank Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
4.79
Net Income per Share
1.47
Price to Earning Ratio
8.94x
Price To Sales Ratio
2.74x
POCF Ratio
4.87
PFCF Ratio
5.43
Price to Book Ratio
1.09
EV to Sales
6.86
EV Over EBITDA
66.47
EV to Operating CashFlow
12.19
EV to FreeCashFlow
13.58
Earnings Yield
0.11
FreeCashFlow Yield
0.18
Market Cap
16,43 Bil.
Enterprise Value
41,08 Bil.
Graham Number
19.93
Graham NetNet
-107.02

Income Statement Metrics

Net Income per Share
1.47
Income Quality
1.67
ROE
0.12
Return On Assets
0.01
Return On Capital Employed
0.05
Net Income per EBT
0.88
EBT Per Ebit
0.66
Ebit per Revenue
0.53
Effective Tax Rate
0.13

Margins

Sales, General, & Administrative to Revenue
0.09
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
0.96
Operating Profit Margin
0.53
Pretax Profit Margin
0.35
Net Profit Margin
0.31

Dividends

Dividend Yield
0.06
Dividend Yield %
6.16
Payout Ratio
0.46
Dividend Per Share
0.81

Operating Metrics

Operating Cashflow per Share
2.7
Free CashFlow per Share
2.42
Capex to Operating CashFlow
0.1
Capex to Revenue
0.06
Capex to Depreciation
1.85
Return on Invested Capital
0.06
Return on Tangible Assets
0.01
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0.28

Balance Sheet

Cash per Share
-4,32
Book Value per Share
12,00
Tangible Book Value per Share
11.56
Shareholders Equity per Share
12
Interest Debt per Share
25.02
Debt to Equity
2.08
Debt to Assets
0.22
Net Debt to EBITDA
39.9
Current Ratio
0.19
Tangible Asset Value
14,45 Bil.
Net Current Asset Value
-114,22 Bil.
Invested Capital
-57352243000
Working Capital
-59,16 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
1.9

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

The Saudi Investment Bank Dividends
Year Dividends Growth
2012 1
2013 1 0%
2014 1 100%
2015 1 0%
2016 1 0%
2017 1 0%
2018 1 0%
2021 1 0%
2022 1 100%
2023 1 0%
2024 1 0%

The Saudi Investment Bank Profile

About The Saudi Investment Bank

The Saudi Investment Bank provides commercial and retail banking services to individuals and small to medium-sized businesses, and corporate and institutional customers in the Kingdom of Saudi Arabia. The company operates through Retail Banking, Corporate Banking, Treasury and Investments, and Asset Management and Brokerage segments. It offers current, salary, Murabaha, and escrow accounts; time deposits; and working capital, Shariah compliant, contract and project, real estate development, home and personal, secured, trade, and syndicated financing solutions. The company also engages in the provision of money market and international trade services; and dealing, managing, advising, and custody of securities. In addition, it offers structured products; liquidity management, foreign exchange, treasury and investment, trade and business finance, secured finance, and cash management services; marine cargo insurance services; debit, prepaid, and credit cards; internet and phone banking; and payroll services, as well as payment and transfer, and ATM/cash deposit services. As of December 31, 2020, it operated 52 branches; 368 ATMs; and 9,800 point of sale (POS) terminals. The Saudi Investment Bank was founded in 1976 and is headquartered in Riyadh, the Kingdom of Saudi Arabia.

CEO
Faisal Alomran
Employee
1.418
Address
PO Box 3533
Riyadh, 11481

The Saudi Investment Bank Executives & BODs

The Saudi Investment Bank Executives & BODs
# Name Age
1 Siraj Zakaria
Head of Strategic Investments
70
2 Mr. Fahad Hassan Khalil
Chief Human Resources Officer
70
3 Mr. Salman Badar Al-Fughom
Deputy Chief Executive Officer
70
4 Mr. Faisal Bin Abdullah Al-Omran
Chief Executive Officer
70
5 Mr. Naif Ali AlHammad
Treasurer & Chief Investment Officer
70
6 Mr. Abdulaziz Al Afaleg
Chief Operating Officer
70
7 Mr. Badr Ahmed Allaf
Chief Compliance Officer
70
8 Mr. Mansour Mohammed Al Obaikan
Chief Risk Officer
70
9 Mr. Rakan Khaled Al-Musa
Chief Internal Auditor
70
10 Mr. Ahmed Abdulrahman Almohsen
Chief Financial Officer
70

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