Arab National Bank Logo

Arab National Bank

1080.SR

(3.2)
Stock Price

19,30 SAR

1.91% ROA

12.8% ROE

8.47x PER

Market Cap.

37.960.000.000,00 SAR

38.07% DER

7.11% Yield

31.01% NPM

Arab National Bank Stock Analysis

Arab National 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.

Arab National Bank Fundamental Stock Analysis
# Analysis Rating
1 DER

The stock has a minimal amount of debt (8%) relative to its ownership, showcasing a strong financial position and lower risk for investors.

2 Dividend

Investors can trust the company's impressive dividend track record, consistently distributing dividends over the past five years, showcasing a strong commitment to rewarding shareholders.

3 ROE

The stock's ROE falls within an average range (11.84%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

4 ROA

The stock's ROA (1.8%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

5 PBV

The stock's PBV ratio (1.09x) indicates a justifiable valuation, presenting a compelling choice for investors seeking reasonable returns.

6 Revenue 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.

7 Net Profit Growth

This company's net profit has consistently grown over the past three years, showcasing a positive financial trend and making it an appealing investment opportunity.

8 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.

9 Graham Number

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

10 Dividend Growth

The company's dividend growth has been consistently strong over the past three years, with annual increases that demonstrate its commitment to rewarding shareholders.

11 Buffet Intrinsic Value

The company's stock seems undervalued (59) by Warren Buffett's formula, indicating a promising investment opportunity as its intrinsic value exceeds the market price.

Arab National 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.

Arab National Bank Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Sell
3 RSI Hold
4 Stoch RSI Buy

Arab National 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.

Arab National Bank Revenue
Year Revenue Growth
2006 4.550.666.000
2007 5.390.216.000 15.58%
2008 5.209.643.000 -3.47%
2009 4.178.333.000 -24.68%
2010 4.180.477.000 0.05%
2011 4.392.264.000 4.82%
2012 4.615.614.000 4.84%
2013 5.040.158.000 8.42%
2014 5.434.452.000 7.26%
2015 5.739.366.000 5.31%
2016 5.816.652.000 1.33%
2017 6.376.642.000 8.78%
2018 6.539.649.000 2.49%
2019 6.717.934.000 2.65%
2020 5.835.693.000 -15.12%
2021 5.760.698.000 -1.3%
2022 6.859.586.000 16.02%
2023 8.809.824.000 22.14%
2023 14.944.853.000 41.05%
2024 16.852.264.000 11.32%

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.

Arab National 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.

Arab National Bank General and Administrative Expenses
Year General and Administrative Expenses Growth
2006 -518.955.000
2007 -587.452.000 11.66%
2008 -636.471.000 7.7%
2009 -705.088.000 9.73%
2010 -676.612.000 -4.21%
2011 -734.378.000 7.87%
2012 473.746.000 255.02%
2013 470.687.000 -0.65%
2014 529.835.000 11.16%
2015 502.434.000 -5.45%
2016 571.511.000 12.09%
2017 577.741.000 1.08%
2018 608.217.000 5.01%
2019 610.782.000 0.42%
2020 571.927.000 -6.79%
2021 683.233.000 16.29%
2022 810.766.000 15.73%
2023 1.015.748.000 20.18%
2023 1.016.912.000 0.11%
2024 1.003.332.000 -1.35%

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.

Arab National Bank EBITDA
Year EBITDA Growth
2006 2.588.832.000
2007 2.581.015.000 -0.3%
2008 2.641.857.000 2.3%
2009 2.559.583.000 -3.21%
2010 2.112.358.000 -21.17%
2011 2.358.415.000 10.43%
2012 2.544.591.000 7.32%
2013 2.710.319.000 6.11%
2014 3.064.702.000 11.56%
2015 3.188.547.000 3.88%
2016 3.176.535.000 -0.38%
2017 3.273.151.000 2.95%
2018 3.533.754.000 7.37%
2019 3.805.260.000 7.14%
2020 2.795.192.000 -36.14%
2021 2.837.093.000 1.48%
2022 3.849.794.000 26.31%
2023 5.205.648.000 26.05%
2023 -307.621.000 1792.23%
2024 261.024.000 217.85%

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.

Arab National Bank Gross Profit
Year Gross Profit Growth
2006 4.550.666.000
2007 5.390.216.000 15.58%
2008 5.209.643.000 -3.47%
2009 4.178.333.000 -24.68%
2010 4.180.477.000 0.05%
2011 4.392.264.000 4.82%
2012 4.615.614.000 4.84%
2013 5.040.158.000 8.42%
2014 5.434.452.000 7.26%
2015 5.739.366.000 5.31%
2016 5.816.652.000 1.33%
2017 6.376.642.000 8.78%
2018 6.539.649.000 2.49%
2019 6.717.934.000 2.65%
2020 5.835.693.000 -15.12%
2021 5.760.698.000 -1.3%
2022 6.859.586.000 16.02%
2023 8.809.824.000 22.14%
2023 14.944.853.000 41.05%
2024 14.216.000.000 -5.13%

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.

Arab National Bank Net Profit
Year Net Profit Growth
2006 2.504.725.000
2007 2.461.202.000 -1.77%
2008 2.486.124.000 1%
2009 2.367.012.000 -5.03%
2010 1.907.502.000 -24.09%
2011 2.170.675.000 12.12%
2012 2.371.178.000 8.46%
2013 2.522.495.000 6%
2014 2.875.050.000 12.26%
2015 2.964.417.000 3.01%
2016 2.918.364.000 -1.58%
2017 3.026.972.000 3.59%
2018 3.310.164.000 8.56%
2019 3.023.235.000 -9.49%
2020 2.072.212.000 -45.89%
2021 2.176.591.000 4.8%
2022 3.070.405.000 29.11%
2023 4.304.976.000 28.68%
2023 4.070.510.000 -5.76%
2024 4.923.384.000 17.32%

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.

Arab National Bank Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2006 3
2007 2 -50%
2008 2 -100%
2009 2 0%
2010 1 0%
2011 1 0%
2012 2 0%
2013 2 0%
2014 2 0%
2015 2 0%
2016 2 0%
2017 2 50%
2018 2 0%
2019 2 0%
2020 1 -100%
2021 1 0%
2022 2 50%
2023 3 0%
2023 3 0%
2024 2 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.

Arab National Bank Free Cashflow
Year Free Cashflow Growth
2006 -4.992.633.000
2007 -4.255.241.000 -17.33%
2008 -34.125.955.000 87.53%
2009 -35.749.873.000 4.54%
2010 -74.868.171.000 52.25%
2011 -145.532.995.000 48.56%
2012 5.940.962.000 2549.65%
2013 -981.459.000 705.32%
2014 11.345.626.000 108.65%
2015 -8.279.848.000 237.03%
2016 2.212.347.000 474.26%
2017 3.580.740.000 38.22%
2018 2.251.907.000 -59.01%
2019 6.061.097.000 62.85%
2020 1.216.804.000 -398.12%
2021 933.869.000 -30.3%
2022 4.936.911.000 81.08%
2023 3.562.214.000 -38.59%
2023 1.877.223.000 -89.76%
2024 637.736.000 -194.36%

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.

Arab National Bank Operating Cashflow
Year Operating Cashflow Growth
2006 -2.027.428.000
2007 2.824.575.000 171.78%
2008 14.838.162.000 80.96%
2009 -3.936.364.000 476.95%
2010 8.482.560.000 146.41%
2011 -5.073.905.000 267.18%
2012 6.184.785.000 182.04%
2013 -651.495.000 1049.32%
2014 11.652.342.000 105.59%
2015 -7.878.466.000 247.9%
2016 2.346.801.000 435.71%
2017 3.665.645.000 35.98%
2018 2.318.577.000 -58.1%
2019 6.139.973.000 62.24%
2020 1.292.623.000 -375%
2021 1.014.426.000 -27.42%
2022 5.147.107.000 80.29%
2023 3.953.467.000 -30.19%
2023 2.006.094.000 -97.07%
2024 776.219.000 -158.44%

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.

Arab National Bank Capital Expenditure
Year Capital Expenditure Growth
2006 2.965.205.000
2007 7.079.816.000 58.12%
2008 48.964.117.000 85.54%
2009 31.813.509.000 -53.91%
2010 83.350.731.000 61.83%
2011 140.459.090.000 40.66%
2012 243.823.000 -57506.99%
2013 329.964.000 26.11%
2014 306.716.000 -7.58%
2015 401.382.000 23.59%
2016 134.454.000 -198.53%
2017 84.905.000 -58.36%
2018 66.670.000 -27.35%
2019 78.876.000 15.47%
2020 75.819.000 -4.03%
2021 80.557.000 5.88%
2022 210.196.000 61.68%
2023 391.253.000 46.28%
2023 128.871.000 -203.6%
2024 138.483.000 6.94%

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.

Arab National Bank Equity
Year Equity Growth
2006 7.980.138.000
2007 10.524.597.000 24.18%
2008 12.671.298.000 16.94%
2009 14.478.267.000 12.48%
2010 15.396.684.000 5.97%
2011 16.729.525.000 7.97%
2012 17.909.587.000 6.59%
2013 19.188.414.000 6.66%
2014 20.639.759.000 7.03%
2015 22.631.853.000 8.8%
2016 23.924.553.000 5.4%
2017 25.065.965.000 4.55%
2018 26.492.419.000 5.38%
2019 28.343.286.000 6.53%
2020 29.766.144.000 4.78%
2021 31.127.737.000 4.37%
2022 32.357.657.000 3.8%
2023 35.097.899.000 7.81%
2023 33.758.875.000 -3.97%
2024 36.201.245.000 6.75%

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.

Arab National Bank Assets
Year Assets Growth
2006 78.035.383.000
2007 94.467.561.000 17.39%
2008 121.307.142.000 22.13%
2009 110.297.320.000 -9.98%
2010 116.034.765.000 4.94%
2011 117.574.305.000 1.31%
2012 136.639.276.000 13.95%
2013 137.935.424.000 0.94%
2014 164.668.355.000 16.23%
2015 170.421.273.000 3.38%
2016 170.008.722.000 -0.24%
2017 171.701.699.000 0.99%
2018 178.290.506.000 3.7%
2019 183.442.477.000 2.81%
2020 180.395.842.000 -1.69%
2021 192.501.659.000 6.29%
2022 212.628.093.000 9.47%
2023 220.683.310.000 3.65%
2023 218.189.652.000 -1.14%
2024 234.751.702.000 7.06%

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.

Arab National Bank Liabilities
Year Liabilities Growth
2006 70.055.245.000
2007 83.942.964.000 16.54%
2008 108.635.844.000 22.73%
2009 95.819.053.000 -13.38%
2010 100.638.081.000 4.79%
2011 100.844.780.000 0.2%
2012 118.729.689.000 15.06%
2013 118.747.010.000 0.01%
2014 144.028.596.000 17.55%
2015 147.789.420.000 2.54%
2016 146.084.169.000 -1.17%
2017 146.635.734.000 0.38%
2018 151.798.087.000 3.4%
2019 2.778.828.000 -5362.67%
2020 3.778.177.000 26.45%
2021 3.749.272.000 -0.77%
2022 180.270.436.000 97.92%
2023 185.585.411.000 2.86%
2023 2.852.241.000 -6406.65%
2024 198.550.457.000 98.56%

Arab National Bank Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
7.23
Net Income per Share
2.24
Price to Earning Ratio
8.47x
Price To Sales Ratio
2.63x
POCF Ratio
6.61
PFCF Ratio
7.18
Price to Book Ratio
1.05
EV to Sales
2.61
EV Over EBITDA
33.15
EV to Operating CashFlow
6.56
EV to FreeCashFlow
7.13
Earnings Yield
0.12
FreeCashFlow Yield
0.14
Market Cap
37,96 Bil.
Enterprise Value
37,70 Bil.
Graham Number
30.2
Graham NetNet
-104.9

Income Statement Metrics

Net Income per Share
2.24
Income Quality
1.24
ROE
0.13
Return On Assets
0.02
Return On Capital Employed
0.07
Net Income per EBT
0.86
EBT Per Ebit
0.54
Ebit per Revenue
0.67
Effective Tax Rate
0.14

Margins

Sales, General, & Administrative to Revenue
0.07
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
0.91
Operating Profit Margin
0.67
Pretax Profit Margin
0.36
Net Profit Margin
0.31

Dividends

Dividend Yield
0.07
Dividend Yield %
7.11
Payout Ratio
0.41
Dividend Per Share
1.35

Operating Metrics

Operating Cashflow per Share
2.87
Free CashFlow per Share
2.64
Capex to Operating CashFlow
0.08
Capex to Revenue
0.03
Capex to Depreciation
1.94
Return on Invested Capital
0.17
Return on Tangible Assets
0.02
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
0.23

Balance Sheet

Cash per Share
-5,63
Book Value per Share
18,10
Tangible Book Value per Share
18.1
Shareholders Equity per Share
18.09
Interest Debt per Share
6.88
Debt to Equity
0.38
Debt to Assets
0.06
Net Debt to EBITDA
-0.22
Current Ratio
0.19
Tangible Asset Value
36,20 Bil.
Net Current Asset Value
-180,79 Bil.
Invested Capital
-72893103000
Working Capital
-75,53 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
0.36

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.

Arab National Bank Dividends
Year Dividends Growth
2011 1
2012 1 0%
2013 1 0%
2014 1 0%
2015 1 0%
2016 1 0%
2017 1 0%
2018 1 0%
2019 2 0%
2020 1 0%
2021 1 0%
2022 1 0%
2023 1 100%
2024 1 0%

Arab National Bank Profile

About Arab National Bank

Arab National Bank provides various banking products and services. The company operates through Retail Banking, Corporate Banking, Treasury, and Investment and Brokerage Services segments. It offers current, savings, and Murabaha accounts, as well as time deposits; personal, car lease, and real estate financing, as well as consumer credit advisory services; credit lines and loans; credit facilities for foreign exchange and precious metals; letters of credit (LC) and letters of guarantee; margin trading lending; and credit and debit cards. The company also provides Islamic banking, cash management and professional, treasury and foreign exchange, wire transfer, and custody and safekeeping services. In addition, it offers credit related services, such as overdraft and current accounts, revolving short-term and medium/long term loans, discounted bills, bonding, documentary LC and acceptances, and bills of collection and payment; safe deposit lockers; and online and phone banking services. Further, the company provides various mutual funds; and margin and equity trading services, as well as private equity services. Additionally, it offers credit products, including project loans, contract financing facilities, bridge loans, working capital/trade loans, letters of credit and guarantees, and hedging facilities. The company is also involved in the asset management activities related to dealing, managing, arranging, and advising and custody of securities; leasing of heavy equipment; and purchasing, sale, and leasing of land and real estate, as well as offers investment management services. The company serves individuals, corporate and institutional customers, and small to medium sized businesses through its 131 branches in the Kingdom of Saudi Arabia and 1 branch in the United Kingdom. Arab National Bank was founded in 1979 and is headquartered in Riyadh, the Kingdom of Saudi Arabia.

CEO
Mr.Obaid Abdullah Alrasheed
Employee
3.786
Address
PO Box 56921
Riyadh, 11564

Arab National Bank Executives & BODs

Arab National Bank Executives & BODs
# Name Age
1 Khaled A. Alrashed
Head of Retail Banking
70
2 Omar Alageel
Chief Digital Officer
70
3 Saad AlDugish
Chief Financial Officer
70
4 Mr. Aiedh M. Al Zahrani
Chief Operating Officer
70
5 Naif E. Al-Harbi
Chief Information Officer
70
6 Waleed M Alkhulayfi
Chief Compliance Officer
70
7 Bader N. Al-Otaibi
Head of Human Resources Group
70
8 Mr. Kamal A. Khodr
Head of Risk Management & Chief Risk Officer
70
9 Mr. Louai A. Al-Zaher
Head of Wholesale Banking Group
70
10 Mr. Obaid Abdullah Obaid Al-Rasheed
MD, Chief Executive Officer & Executive Director
70

Arab National Bank Competitors

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Riyad Bank

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The Saudi British Bank Logo
The Saudi British Bank

1060.SR

(3.0)
Banque Saudi Fransi Logo
Banque Saudi Fransi

1050.SR

(3.8)
The Saudi National Bank Logo
The Saudi National Bank

1180.SR

(3.8)
Bank AlJazira Logo
Bank AlJazira

1020.SR

(2.5)