1180.SR
The Saudi National Bank
1180.SR
(3.8)34,55 SAR
2.01% ROA
11.69% ROE
13.46x PER
253.215.884.269,00 SAR
8.12% DER
3.4% Yield
55.75% NPM
The Saudi National Bank Stock Analysis
The Saudi 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.
| # | 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. |
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| 2 |
Revenue Growth
With continuous growth in revenue over the last five years, this company has proven to be a lucrative investment option, showcasing its strong financial performance. |
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| 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. |
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| 4 |
Assets Growth
Over the past five years, this company's revenue has consistently increased, demonstrating a robust financial performance that makes it an appealing opportunity. |
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| 5 |
Dividend
The company's consistent dividend distribution over the past five years reflects its dedication to providing shareholders with steady returns, making it an appealing choice for investors seeking income stability. |
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| 6 |
ROE
The stock's ROE falls within an average range (11.75%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity. |
|
| 7 |
ROA
The stock's ROA (2.01%) 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. |
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| 8 |
PBV
The stock's PBV ratio (1.28x) indicates a justifiable valuation, presenting a compelling choice for investors seeking reasonable returns. |
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| 9 |
Graham Number
Based on the Graham number, this company's stock price appears to be lower than its intrinsic value, signaling a potentially favorable investment choice. |
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| 10 |
Buffet Intrinsic Value
Based on Warren Buffett's formula, the company's stock appears undervalued (70), presenting an attractive investment chance with its intrinsic value surpassing the current market price. |
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| 11 |
Dividend Growth
The company's dividend growth has been flat for the past three years, raising concerns for potential investors seeking reliable returns. |
The Saudi 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.
| # | Analysis | Recommendation |
|---|---|---|
| 1 | Awesome Oscillator | Buy |
| 2 | MACD | Sell |
| 3 | RSI | Hold |
| 4 | Stoch RSI | Buy |
The Saudi 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.
| Year | Revenue | Growth |
|---|---|---|
| 2013 | 14.817.111.000 | |
| 2014 | 16.122.710.000 | 8.1% |
| 2015 | 17.737.909.000 | 9.11% |
| 2016 | 18.866.572.000 | 5.98% |
| 2017 | 18.748.375.000 | -0.63% |
| 2018 | 19.249.399.000 | 2.6% |
| 2019 | 20.806.978.000 | 7.49% |
| 2020 | 21.940.957.000 | 5.17% |
| 2021 | 29.293.402.000 | 25.1% |
| 2022 | 34.038.190.000 | 13.94% |
| 2023 | 36.365.812.000 | 6.4% |
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.
| Year | Research and Development Expenses | Growth |
|---|---|---|
| 2013 | 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% |
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.
| Year | General and Administrative Expenses | Growth |
|---|---|---|
| 2013 | 1.513.206.000 | |
| 2014 | 1.657.977.000 | 8.73% |
| 2015 | 1.471.624.000 | -12.66% |
| 2016 | 2.057.919.000 | 28.49% |
| 2017 | 1.761.357.000 | -16.84% |
| 2018 | 1.621.589.000 | -8.62% |
| 2019 | 1.560.021.000 | -3.95% |
| 2020 | 1.706.046.000 | 8.56% |
| 2021 | 3.145.915.000 | 45.77% |
| 2022 | 2.663.574.000 | -18.11% |
| 2023 | 3.258.916.000 | 18.27% |
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.
| Year | EBITDA | Growth |
|---|---|---|
| 2013 | 8.519.426.000 | |
| 2014 | 9.345.173.000 | 8.84% |
| 2015 | 9.893.292.000 | 5.54% |
| 2016 | 10.078.156.000 | 1.83% |
| 2017 | 10.456.263.000 | 3.62% |
| 2018 | 11.274.641.000 | 7.26% |
| 2019 | 13.702.083.000 | 17.72% |
| 2020 | 13.713.835.000 | 0.09% |
| 2021 | 16.110.966.000 | 14.88% |
| 2022 | 23.408.732.000 | 31.18% |
| 2023 | 25.189.724.000 | 7.07% |
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.
| Year | Gross Profit | Growth |
|---|---|---|
| 2013 | 14.817.111.000 | |
| 2014 | 16.122.710.000 | 8.1% |
| 2015 | 17.737.909.000 | 9.11% |
| 2016 | 18.866.572.000 | 5.98% |
| 2017 | 18.748.375.000 | -0.63% |
| 2018 | 19.249.399.000 | 2.6% |
| 2019 | 20.806.978.000 | 7.49% |
| 2020 | 21.940.957.000 | 5.17% |
| 2021 | 29.293.402.000 | 25.1% |
| 2022 | 34.038.190.000 | 13.94% |
| 2023 | 36.365.812.000 | 6.4% |
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.
| Year | Net Profit | Growth |
|---|---|---|
| 2013 | 7.852.199.000 | |
| 2014 | 8.655.150.000 | 9.28% |
| 2015 | 9.089.183.000 | 4.78% |
| 2016 | 9.316.857.000 | 2.44% |
| 2017 | 9.801.982.000 | 4.95% |
| 2018 | 10.667.316.000 | 8.11% |
| 2019 | 11.401.436.000 | 6.44% |
| 2020 | 11.440.097.000 | 0.34% |
| 2021 | 12.668.176.000 | 9.69% |
| 2022 | 18.580.690.000 | 31.82% |
| 2023 | 20.038.496.000 | 7.28% |
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.
| Year | Earning per Share (EPS) | Growth |
|---|---|---|
| 2013 | 2 | |
| 2014 | 2 | 50% |
| 2015 | 2 | 0% |
| 2016 | 2 | 0% |
| 2017 | 2 | 0% |
| 2018 | 3 | 0% |
| 2019 | 3 | 0% |
| 2020 | 3 | 0% |
| 2021 | 2 | 0% |
| 2022 | 5 | 50% |
| 2023 | 3 | -33.33% |
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.
| Year | Free Cashflow | Growth |
|---|---|---|
| 2013 | 3.749.057.000 | |
| 2014 | 9.538.917.000 | 60.7% |
| 2015 | -22.873.127.000 | 141.7% |
| 2016 | 953.542.000 | 2498.75% |
| 2017 | 774.888.000 | -23.06% |
| 2018 | 3.785.029.000 | 79.53% |
| 2019 | 39.259.887.000 | 90.36% |
| 2020 | 19.446.811.000 | -101.88% |
| 2021 | 15.093.042.000 | -28.85% |
| 2022 | -6.310.675.000 | 339.17% |
| 2023 | 20.051.451.000 | 131.47% |
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.
| Year | Operating Cashflow | Growth |
|---|---|---|
| 2013 | 4.500.061.000 | |
| 2014 | 10.793.043.000 | 58.31% |
| 2015 | -21.850.466.000 | 149.4% |
| 2016 | 2.380.083.000 | 1018.05% |
| 2017 | 1.954.000.000 | -21.81% |
| 2018 | 4.682.857.000 | 58.27% |
| 2019 | 40.072.402.000 | 88.31% |
| 2020 | 20.555.299.000 | -94.95% |
| 2021 | 16.874.643.000 | -21.81% |
| 2022 | -4.239.429.000 | 498.04% |
| 2023 | 20.819.882.000 | 120.36% |
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.
| Year | Capital Expenditure | Growth |
|---|---|---|
| 2013 | 751.004.000 | |
| 2014 | 1.254.126.000 | 40.12% |
| 2015 | 1.022.661.000 | -22.63% |
| 2016 | 1.426.541.000 | 28.31% |
| 2017 | 1.179.112.000 | -20.98% |
| 2018 | 897.828.000 | -31.33% |
| 2019 | 812.515.000 | -10.5% |
| 2020 | 1.108.488.000 | 26.7% |
| 2021 | 1.781.601.000 | 37.78% |
| 2022 | 2.071.246.000 | 13.98% |
| 2023 | 768.431.000 | -169.54% |
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.
| Year | Equity | Growth |
|---|---|---|
| 2013 | 42.536.180.000 | |
| 2014 | 46.920.891.000 | 9.34% |
| 2015 | 55.545.557.000 | 15.53% |
| 2016 | 59.925.718.000 | 7.31% |
| 2017 | 64.275.598.000 | 6.77% |
| 2018 | 65.668.709.000 | 2.12% |
| 2019 | 69.788.277.000 | 5.9% |
| 2020 | 80.214.981.000 | 13% |
| 2021 | 162.769.512.000 | 50.72% |
| 2022 | 166.777.631.000 | 2.4% |
| 2023 | 168.970.781.000 | 1.3% |
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.
| Year | Assets | Growth |
|---|---|---|
| 2013 | 377.287.241.000 | |
| 2014 | 434.878.084.000 | 13.24% |
| 2015 | 449.340.429.000 | 3.22% |
| 2016 | 441.491.320.000 | -1.78% |
| 2017 | 443.865.867.000 | 0.53% |
| 2018 | 453.389.897.000 | 2.1% |
| 2019 | 507.263.802.000 | 10.62% |
| 2020 | 599.445.998.000 | 15.38% |
| 2021 | 914.149.917.000 | 34.43% |
| 2022 | 945.496.166.000 | 3.32% |
| 2023 | 1.027.132.628.000 | 7.95% |
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.
| Year | Liabilities | Growth |
|---|---|---|
| 2013 | 334.751.061.000 | |
| 2014 | 387.957.193.000 | 13.71% |
| 2015 | 393.794.872.000 | 1.48% |
| 2016 | 9.917.765.000 | -3870.6% |
| 2017 | 10.250.310.000 | 3.24% |
| 2018 | 387.721.188.000 | 97.36% |
| 2019 | 2.841.250.000 | -13546.15% |
| 2020 | 3.527.641.000 | 19.46% |
| 2021 | 8.194.742.000 | 56.95% |
| 2022 | 778.718.535.000 | 98.95% |
| 2023 | 13.665.725.000 | -5598.33% |
The Saudi National Bank Financial Ratio (TTM)
Valuation Metrics
- Revenue per Share
- 5.65
- Net Income per Share
- 3.16
- Price to Earning Ratio
- 13.46x
- Price To Sales Ratio
- 7.15x
- POCF Ratio
- 13.38
- PFCF Ratio
- 14.34
- Price to Book Ratio
- 1.58
- EV to Sales
- 5.31
- EV Over EBITDA
- 7.59
- EV to Operating CashFlow
- 9.43
- EV to FreeCashFlow
- 10.65
- Earnings Yield
- 0.07
- FreeCashFlow Yield
- 0.07
- Market Cap
- 253,22 Bil.
- Enterprise Value
- 188,09 Bil.
- Graham Number
- 43.74
- Graham NetNet
- 10.4
Income Statement Metrics
- Net Income per Share
- 3.16
- Income Quality
- 0.88
- ROE
- 0.12
- Return On Assets
- 0.02
- Return On Capital Employed
- 0.1
- Net Income per EBT
- 0.88
- EBT Per Ebit
- 1
- Ebit per Revenue
- 0.63
- Effective Tax Rate
- 0.12
Margins
- Sales, General, & Administrative to Revenue
- 0.08
- Research & Developement to Revenue
- 0
- Stock Based Compensation to Revenue
- 0.01
- Gross Profit Margin
- 1
- Operating Profit Margin
- 0.63
- Pretax Profit Margin
- 0.63
- Net Profit Margin
- 0.56
Dividends
- Dividend Yield
- 0.03
- Dividend Yield %
- 3.4
- Payout Ratio
- 0.26
- Dividend Per Share
- 1.45
Operating Metrics
- Operating Cashflow per Share
- 3.18
- Free CashFlow per Share
- 2.82
- Capex to Operating CashFlow
- -0.11
- Capex to Revenue
- -0.06
- Capex to Depreciation
- -1.01
- Return on Invested Capital
- 0.11
- 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
- -0.36
Balance Sheet
- Cash per Share
- 12,58
- Book Value per Share
- 26,88
- Tangible Book Value per Share
- 155.33
- Shareholders Equity per Share
- 26.88
- Interest Debt per Share
- 2.18
- Debt to Equity
- 0.08
- Debt to Assets
- 0.01
- Net Debt to EBITDA
- -2.63
- Current Ratio
- 0
- Tangible Asset Value
- 972,69 Bil.
- Net Current Asset Value
- 65,13 Bil.
- Invested Capital
- 0.08
- Working Capital
- 78,79 Bil.
- Intangibles to Total Assets
- 0.04
- Average Receivables
- 0,00 Bil.
- Average Payables
- 0,00 Bil.
- Average Inventory
- 0
- Debt to Market Cap
- 0.05
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.
| Year | Dividends | Growth |
|---|---|---|
| 2015 | 1 | |
| 2016 | 1 | 100% |
| 2017 | 2 | 50% |
| 2018 | 2 | -100% |
| 2019 | 3 | 50% |
| 2020 | 1 | -100% |
| 2021 | 1 | 0% |
| 2022 | 2 | 50% |
| 2023 | 2 | -100% |
The Saudi National Bank Profile
About The Saudi National Bank
The Saudi National Bank provides various banking products and services in Saudi Arabia. The company operates through four segments: Retail, Wholesale, Capital Market, and International. The Retail segment provides banking services, including lending and current accounts, as well as products in compliance with Shariah rules to individuals and private banking customers. The Wholesale segment offers various conventional credit-related products and financing products to small sized businesses, medium and large establishments, and companies, as well as various treasury and correspondent banking products and services comprising money market and foreign exchange; carries out investment and trading activities; and manages liquidity, market, and credit risks related to investments. The Capital Market segment offers wealth management, asset management, investment banking, and shares brokerage services. The International segment provides banking services outside Saudi Arabia. It also distributes and markets Islamic insurance products; operates as a private equity and hedge fund; issues bonds; invests in and manages real estate development projects; engages in trading in derivatives and repos/reverse repos activities; and provides recruitment and trade finance services. In addition, the company offers debit and credit cards; online and mobile banking services; safe deposit boxes; and cash management and currency exchange services. It operates through 506 branches, 12 retail service centers, 7 corporate service centers, and 130 QuickPay remittance centers in Saudi Arabia, as well as four overseas branches in the Kingdom of Bahrain, the United Arab Emirates, Qatar, and the Republic of Singapore. The company was formerly known as The National Commercial Bank and changed its name to The Saudi National Bank in April 2021. The Saudi National Bank was founded in 1953 and is headquartered in Riyadh, Saudi Arabia.
- CEO
- Talal Ahmed Alkhereiji
- Employee
- 16.084
- Address
-
The Saudi National Bank Tower
Riyadh, 13519
The Saudi National Bank Executives & BODs
| # | Name | Age |
|---|---|---|
| 1 |
Hasan Faisal Hammad Acting Group Chief Human Resources Officer |
70 |
| 2 |
Mr. Wael bin Abdulaziz Raies Group Head of Corporate Business |
70 |
| 3 |
Mr. Saud Abdulaziz Bajbair Group Head of Retail Business |
70 |
| 4 |
Mr. Saleh Mohammed Saleh Head of Group Shared Services |
70 |
| 5 |
Mr. Talal Bin Ahmed Al Khereiji Acting Chief Executive Officer |
70 |
| 6 |
Mr. Ahmed Ali Eid Al-Dhabi Group Chief Financial Officer |
70 |
| 7 |
Mr. Fouad Bin Abdullah Al Harbi Group Chief Compliance Officer |
70 |
| 8 |
Mr. Waleed Bin Hassan Abdulshakoor Group Chief Legal Counsel |
70 |
| 9 |
Mr. Majed Bin Hamdan Al-Ghamdi Chief Executive Officer of Retail Banking |
70 |
| 10 |
Mr. Omar bin Soufian Yassine Group Chief Digital Officer |
70 |
The Saudi National Bank Competitors
