Qatar National Bank (Q.P.S.C.) Logo

Qatar National Bank (Q.P.S.C.)

QNBK.QA

(3.5)
Stock Price

16,41 QAR

1.29% ROA

14.73% ROE

9.92x PER

Market Cap.

151.200.359.100,00 QAR

55% DER

3.67% Yield

41.35% NPM

Qatar National Bank (Q.P.S.C.) Stock Analysis

Qatar National Bank (Q.P.S.C.) 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.

Qatar National Bank (Q.P.S.C.) Fundamental Stock Analysis
# Analysis Rating
1 Revenue Growth

Over the past five years, this company's revenue has consistently increased, demonstrating a robust financial performance that makes it an appealing opportunity.

2 Assets 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.

3 Dividend

Shareholders can rely on the company's remarkable dividend history, consistently paying dividends for the past five years, demonstrating a steadfast dedication to rewarding investors.

4 ROE

ROE in an average range (14.41%) suggests satisfactory profitability and decent utilization of shareholders' equity.

5 ROA

The stock's ROA (1.25%) 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 PBV

The stock's PBV ratio (1.42x) reflects a fair valuation, making it an attractive option for investors seeking balanced opportunities.

7 DER

The stock has a reasonable amount of debt compared to its ownership (58%), suggesting a balanced financial position and a moderate level of risk.

8 Net Profit Growth

The net profit of this company has shown steady growth over the past three years, highlighting its positive financial trajectory and making it an appealing choice for potential investors.

9 Graham Number

The company's Graham number indicates that it is undervalued compared to its stock price, suggesting a potentially 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

Based on Warren Buffett's formula, the company's stock appears undervalued (39), presenting an attractive investment chance with its intrinsic value surpassing the current market price.

Qatar National Bank (Q.P.S.C.) 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.

Qatar National Bank (Q.P.S.C.) Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Sell
2 MACD Sell
3 RSI Hold
4 Stoch RSI Hold

Qatar National Bank (Q.P.S.C.) 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.

Qatar National Bank (Q.P.S.C.) Revenue
Year Revenue Growth
2006 3.571.595.000
2007 4.754.776.000 24.88%
2008 6.365.797.000 25.31%
2009 5.843.649.000 -8.94%
2010 6.393.896.000 8.61%
2011 11.521.323.000 44.5%
2012 11.215.301.000 -2.73%
2013 14.385.419.000 22.04%
2014 15.324.898.000 6.13%
2015 15.722.662.000 2.53%
2016 22.855.488.000 31.21%
2017 22.761.903.000 -0.41%
2018 24.098.107.000 5.54%
2019 25.122.508.000 4.08%
2020 25.218.439.000 0.38%
2021 27.784.785.000 9.24%
2022 34.201.509.000 18.76%
2023 40.425.152.000 15.4%

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.

Qatar National Bank (Q.P.S.C.) 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%

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.

Qatar National Bank (Q.P.S.C.) General and Administrative Expenses
Year General and Administrative Expenses Growth
2006 721.651.000
2007 842.295.000 14.32%
2008 1.023.644.000 17.72%
2009 995.860.000 -2.79%
2010 1.145.461.000 13.06%
2011 1.409.442.000 18.73%
2012 77.061.000 -1729%
2013 95.071.000 18.94%
2014 88.721.000 -7.16%
2015 89.707.000 1.1%
2016 283.735.000 68.38%
2017 0 0%
2018 243.170.000 100%
2019 235.063.000 -3.45%
2020 234.147.000 -0.39%
2021 183.344.000 -27.71%
2022 202.304.000 9.37%
2023 0 0%

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.

Qatar National Bank (Q.P.S.C.) EBITDA
Year EBITDA Growth
2006 2.066.145.000
2007 2.585.604.000 20.09%
2008 3.798.013.000 31.92%
2009 4.306.818.000 11.81%
2010 5.865.584.000 26.57%
2011 7.788.040.000 24.68%
2012 8.585.137.000 9.28%
2013 10.272.238.000 16.42%
2014 11.450.800.000 10.29%
2015 12.258.178.000 6.59%
2016 13.925.901.000 11.98%
2017 14.602.341.000 4.63%
2018 15.434.645.000 5.39%
2019 16.313.716.000 5.39%
2020 13.845.473.000 -17.83%
2021 15.295.900.000 9.48%
2022 17.770.039.000 13.92%
2023 22.090.712.000 19.56%

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.

Qatar National Bank (Q.P.S.C.) Gross Profit
Year Gross Profit Growth
2006 3.571.595.000
2007 4.754.776.000 24.88%
2008 6.365.797.000 25.31%
2009 5.843.649.000 -8.94%
2010 6.393.896.000 8.61%
2011 11.521.323.000 44.5%
2012 11.215.301.000 -2.73%
2013 14.385.419.000 22.04%
2014 15.324.898.000 6.13%
2015 15.722.662.000 2.53%
2016 22.855.488.000 31.21%
2017 22.761.903.000 -0.41%
2018 24.098.107.000 5.54%
2019 25.122.508.000 4.08%
2020 25.218.439.000 0.38%
2021 27.784.785.000 9.24%
2022 34.201.509.000 18.76%
2023 40.425.152.000 15.4%

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.

Qatar National Bank (Q.P.S.C.) Net Profit
Year Net Profit Growth
2006 2.004.553.000
2007 2.504.730.000 19.97%
2008 3.652.545.000 31.43%
2009 4.175.211.000 12.52%
2010 5.700.037.000 26.75%
2011 7.599.024.000 24.99%
2012 8.338.822.000 8.87%
2013 9.478.637.000 12.03%
2014 10.454.701.000 9.34%
2015 11.264.242.000 7.19%
2016 12.364.637.000 8.9%
2017 13.128.138.000 5.82%
2018 13.788.131.000 4.79%
2019 14.350.860.000 3.92%
2020 12.002.867.000 -19.56%
2021 13.211.123.000 9.15%
2022 14.348.860.000 7.93%
2023 17.072.376.000 15.95%

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.

Qatar National Bank (Q.P.S.C.) Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2006 1
2007 1 0%
2008 1 0%
2009 1 0%
2010 1 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 2 0%
2020 1 0%
2021 1 0%
2022 1 0%
2023 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.

Qatar National Bank (Q.P.S.C.) Free Cashflow
Year Free Cashflow Growth
2006 6.974.939.000
2007 17.699.155.000 60.59%
2008 2.333.701.000 -658.42%
2009 6.632.309.000 64.81%
2010 13.270.206.000 50.02%
2011 4.392.849.000 -202.09%
2012 1.971.230.000 -122.85%
2013 -16.211.866.000 112.16%
2014 18.070.941.000 189.71%
2015 8.077.589.000 -123.72%
2016 20.140.585.000 59.89%
2017 24.385.499.000 17.41%
2018 20.150.379.000 -21.02%
2019 13.882.707.000 -45.15%
2020 23.573.121.000 41.11%
2021 34.612.756.000 31.89%
2022 57.783.542.000 40.1%
2023 -14.730.312.000 492.28%

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.

Qatar National Bank (Q.P.S.C.) Operating Cashflow
Year Operating Cashflow Growth
2006 7.098.582.000
2007 17.813.345.000 60.15%
2008 3.022.445.000 -489.37%
2009 6.755.368.000 55.26%
2010 13.629.052.000 50.43%
2011 4.654.693.000 -192.8%
2012 2.192.961.000 -112.26%
2013 -15.939.417.000 113.76%
2014 18.762.842.000 184.95%
2015 8.367.890.000 -124.22%
2016 21.245.846.000 60.61%
2017 25.252.539.000 15.87%
2018 21.371.487.000 -18.16%
2019 14.810.980.000 -44.29%
2020 24.741.049.000 40.14%
2021 35.786.630.000 30.87%
2022 59.118.614.000 39.47%
2023 -14.759.305.000 500.55%

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.

Qatar National Bank (Q.P.S.C.) Capital Expenditure
Year Capital Expenditure Growth
2006 123.643.000
2007 114.190.000 -8.28%
2008 688.744.000 83.42%
2009 123.059.000 -459.69%
2010 358.846.000 65.71%
2011 261.844.000 -37.05%
2012 221.731.000 -18.09%
2013 272.449.000 18.62%
2014 691.901.000 60.62%
2015 290.301.000 -138.34%
2016 1.105.261.000 73.73%
2017 867.040.000 -27.48%
2018 1.221.108.000 29%
2019 928.273.000 -31.55%
2020 1.167.928.000 20.52%
2021 1.173.874.000 0.51%
2022 1.335.072.000 12.07%
2023 -28.993.000 4704.81%

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.

Qatar National Bank (Q.P.S.C.) Equity
Year Equity Growth
2006 8.457.334.000
2007 13.858.364.000 38.97%
2008 16.643.225.000 16.73%
2009 19.590.445.000 15.04%
2010 23.682.240.000 17.28%
2011 41.406.196.000 42.81%
2012 47.077.832.000 12.05%
2013 52.828.461.000 10.89%
2014 56.982.824.000 7.29%
2015 61.103.305.000 6.74%
2016 70.023.250.000 12.74%
2017 77.753.780.000 9.94%
2018 88.274.721.000 11.92%
2019 94.719.168.000 6.8%
2020 96.901.719.000 2.25%
2021 100.056.647.000 3.15%
2022 106.056.785.000 5.66%
2023 108.518.593.000 2.27%

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.

Qatar National Bank (Q.P.S.C.) Assets
Year Assets Growth
2006 67.826.636.000
2007 109.177.476.000 37.87%
2008 142.694.388.000 23.49%
2009 162.038.503.000 11.94%
2010 197.443.600.000 17.93%
2011 301.340.777.000 34.48%
2012 366.853.832.000 17.86%
2013 443.486.108.000 17.28%
2014 486.356.676.000 8.81%
2015 538.607.140.000 9.7%
2016 719.694.515.000 25.16%
2017 811.077.990.000 11.27%
2018 862.197.599.000 5.93%
2019 944.697.691.000 8.73%
2020 1.025.015.060.000 7.84%
2021 1.093.037.611.000 6.22%
2022 1.189.219.012.000 8.09%
2023 1.185.970.159.000 -0.27%

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.

Qatar National Bank (Q.P.S.C.) Liabilities
Year Liabilities Growth
2006 6.254.842.000
2007 95.319.112.000 93.44%
2008 126.051.163.000 24.38%
2009 142.257.366.000 11.39%
2010 173.206.136.000 17.87%
2011 259.320.027.000 33.21%
2012 318.865.140.000 18.67%
2013 389.758.824.000 18.19%
2014 428.394.750.000 9.02%
2015 476.551.742.000 10.11%
2016 648.841.097.000 26.55%
2017 732.331.650.000 11.4%
2018 773.922.878.000 5.37%
2019 849.978.523.000 8.95%
2020 928.113.341.000 8.42%
2021 992.980.964.000 6.53%
2022 1.083.162.227.000 8.33%
2023 59.094.623.000 -1732.93%

Qatar National Bank (Q.P.S.C.) Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
4.02
Net Income per Share
1.65
Price to Earning Ratio
9.92x
Price To Sales Ratio
4.07x
POCF Ratio
15.92
PFCF Ratio
18.83
Price to Book Ratio
1.41
EV to Sales
1.05
EV Over EBITDA
2.09
EV to Operating CashFlow
4.09
EV to FreeCashFlow
4.84
Earnings Yield
0.1
FreeCashFlow Yield
0.05
Market Cap
151,20 Bil.
Enterprise Value
38,87 Bil.
Graham Number
20.78
Graham NetNet
13.73

Income Statement Metrics

Net Income per Share
1.65
Income Quality
0.53
ROE
0.15
Return On Assets
0.01
Return On Capital Employed
0.01
Net Income per EBT
0.72
EBT Per Ebit
1.21
Ebit per Revenue
0.47
Effective Tax Rate
0.11

Margins

Sales, General, & Administrative to Revenue
0
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.47
Pretax Profit Margin
0.57
Net Profit Margin
0.41

Dividends

Dividend Yield
0.04
Dividend Yield %
3.67
Payout Ratio
0.36
Dividend Per Share
0.6

Operating Metrics

Operating Cashflow per Share
1.03
Free CashFlow per Share
0.87
Capex to Operating CashFlow
-0.15
Capex to Revenue
-0.04
Capex to Depreciation
-1.84
Return on Invested Capital
0.09
Return on Tangible Assets
0.01
Days Sales Outstanding
190.05
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
1.92
Payables Turnover
0
Inventory Turnover
0
Capex per Share
-0.16

Balance Sheet

Cash per Share
18,56
Book Value per Share
11,63
Tangible Book Value per Share
122
Shareholders Equity per Share
11.63
Interest Debt per Share
12.65
Debt to Equity
0.55
Debt to Assets
0.05
Net Debt to EBITDA
-6.03
Current Ratio
0
Tangible Asset Value
1.123,62 Bil.
Net Current Asset Value
131,68 Bil.
Invested Capital
0.55
Working Capital
190,77 Bil.
Intangibles to Total Assets
0
Average Receivables
18,91 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
0.39

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.

Qatar National Bank (Q.P.S.C.) Dividends
Year Dividends Growth
2011 542
2012 367 -47.81%
2013 500 26.65%
2014 583 14.41%
2015 625 6.72%
2016 350 -78.57%
2017 4.200 91.67%
2018 600 -600%
2019 600 0%
2020 1 0%
2021 0 0%
2022 1 0%
2023 1 0%

Qatar National Bank (Q.P.S.C.) Profile

About Qatar National Bank (Q.P.S.C.)

Qatar National Bank (Q.P.S.C.), together with its subsidiaries, provides commercial and Islamic banking products and services. The company operates through four segments: Corporate Banking, Consumer Banking, Asset and Wealth Management, and International Banking. It offers personal banking products and services, such as current, savings, fixed deposit, and call-notice deposit accounts; credit, debit, and pre-paid cards; personal, top-up, vehicle, vehicle lease, and mortgage loans; insurance products, including life, salary continuation, critical illness, motor, mortgage, and travel insurance; asset management services; and mobile, Internet, ATM, SMS, and USSD banking services. The company also provides business banking products and services, including current, call, fixed deposit, and non-resident accounts; working capital, project, and vehicle loans; structured and project finance; transaction banking services; and credit cards. In addition, it offers financial institutions, treasury, investment banking, and advisory services; and brokerage and custody services. The company serves individuals and corporates, as well as high net worth customers. It operates a network of 1,045 branches and 4,391 ATMs in Africa, Asia, Europe, the Middle East, and GCC countries. The company was formerly known as Qatar National Bank S.A.Q. and changed its name to Qatar National Bank (Q.P.S.C.) in January 2016. Qatar National Bank (Q.P.S.C.) was founded in 1964 and is headquartered in Doha, Qatar.

CEO
Mr. Abdulla Mubarak N. Al-Khal
Employee
13.600
Address
PO Box 1000
Doha,

Qatar National Bank (Q.P.S.C.) Executives & BODs

Qatar National Bank (Q.P.S.C.) Executives & BODs
# Name Age
1 Mr. Yousef Mahmoud H. N. Al-Neama
Executive GM & Group Chief Business Officer
70
2 Mr. Ramzi Talat A. Mari
Group Chief Financial Officer
70
3 Mr. Riaz Khan
Head of Group Financial Consolidation and Investor Relations
70
4 Mr. Yousef Ali Darwish
General Manager of Group Administration & General Services
70
5 Mr. Wolf Christian Eichner
GM & Group Chief Strategy Officer
70
6 Mr. Saleh Nofal
Group Chief Compliance Officer
70
7 Mr. Abdullah Nasser Al-Khalifa
General Manager of Group Human Capital
70
8 Mr. Ali Rashid Ali Al-Mohannadi
Executive GM & Group Chief Operating Officer
70
9 Mr. Abdulla Mubarak N. Al-Khalifa
Group Chief Executive Officer
70
10 Ms. Heba Ali Ghaith Al-Tamimi
General Manager of Group Communications
70

Qatar National Bank (Q.P.S.C.) Competitors