SR: 1010 - Riyad Bank

Yield per half year: +25%
Dividend yield: +6.96%
Sector: Financials

Reporting Riyad Bank

Capitalization

IFRS

Reporting Annual Quarterly

	2012	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	5 year average	CAGR 5
Капитализация, млрд SR		151.07	77.99	47.29	32.73	33.22	46.94	73.15	56.66	76.07	105.01		71.57	17.47
Выручка, млрд SR			8.01	7.97	7.6	8.13	8.91	10.72	11.09	11.58	13.32	15.74	12.49	7.98
Чистая прибыль, млрд SR			4.35	4.05	3.34	3.95	4.72	5.6	4.71	6.03	7.02	8.05	6.28	7.53
EV, млрд SR		144.82	71.29	42.02	31.89	26.51		57.59	36.73	56.54			41.85	12.13
EBIT, млрд SR	3.47	3.95	4.35	4.05	3.34	3.95	4.72	6.23	5.48	6.72			5.42	11.21
EBITDA, млрд SR	3.75	4.22	4.61	4.33	3.63	4.23	5.01	6.67	5.97	7.21			5.82	11.25
Баланс стоимость, млрд SR			35.54	36.55	37.77	38.62	36.77	40.57	44.36	47.3	56.17	60.26	49.73	8.23
FCF, млрд SR			10.25	-3.52	-2.77	2.46	8.7	11.86	23.22	-10.76	0.7009	-9.13	3.18	-194.90
Операционный денежный поток, млрд SR			10.55	-3.06	-2.51	2.63	8.94	12.19	23.7	-10.03	-26.33	-6.18	-1.3300	-187.30
Операционная прибыль, млрд SR		3.89	4.31	4.01	3.31	3.92	4.67	6.08					4.40	8.68
Операционные расходы, млрд SR	2.35	2.58	2.81	2.93	3.01	2.97	3.35	3.67	3.63	3.96			3.52	5.92
CAPEX, млрд SR			0.3017	0.4637	0.2564	0.1722	0.244	0.3338	0.4789	0.7325	1.3	2.95	1.16	54.62

	2016Q4	2017Q1	2017Q2	2017Q3	2017Q4	2018Q1	2018Q2	2018Q3	2018Q4	2019Q1	2019Q2	2019Q3	2019Q4	2020Q2	2020Q3	2020Q4	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	5 quarters average	CAGR 5
Капитализация, млрд SR														49.49	54.31	58.67	63.3	76.47	80.22	84.45	102.58	111.03	105.29									96.71	5.59
Выручка, млрд SR																						3.18	3.42	3.73	3.99	3.92	3.93	3.89	4.09	4.23	4.54	4.14	2.93
Чистая прибыль, млрд SR																						1.61	1.83	2.03	2.02	1.98	2.09	1.95	2.07	2.34	2.65	2.22	4.86
EV, млрд SR	30.68	20.35	16.54	24.3	29.17	35.56	41.82																									29.48	20.38
EBIT, млрд SR															1.47	1.16	1.53	1.71	1.73	1.75	1.74	1.81	2.04	2.61								1.99	8.32
EBITDA, млрд SR														1.32	1.6	1.28	1.65	1.83	1.85	1.88	1.88	1.94	2.18									1.95	3.34
Баланс стоимость, млрд SR																						49.45	49.6	56.17	55.84	57.69	57.44	60.26	60.08	62.35	63.14	60.65	1.91
FCF, млрд SR																						6.02	-11.67	4.75	12.71	-1.81	-20.82	0.798	5.24	-5.83	14.39	-1.2444	-192.88
Операционный денежный поток, млрд SR																						6.28	-11.42	1.21	13.19	-1.46	-20.46	2.56	5.53	-5.42	14.85	-0.5880	-193.79
Операционная прибыль, млрд SR				1.07	0.9637	1.12	1.05	1.15	1.34	1.53	1.66	1.66	1.23																			1.48	-1.70
Операционные расходы, млрд SR														0.861	0.8899	0.9582	0.9822	1.01	1.01	0.9628	1.03	1.06	1.17									1.05	2.98
CAPEX, млрд SR																						0.2618	0.2538	0.5701	0.4803	0.3492	0.3588	1.76	0.2887	0.4079	0.4631	0.6557	5.24

Cash flow Cash flow quarterly Assets

Balance sheet

IFRS

Reporting Annual Quarterly

	2012	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	5 year average	CAGR 5
Наличность, млрд SR			15.74	22.18	17.08	22.86	24.99	19.56	30.46	33.11	53.98	41.61	35.74	16.30
Short Term Investments SR		9.87	13.5	7.65	8.75	5.02	2.46	14.63					7.70	13.85
Long term investments SR			47.43	45.29	45.9	47.05	48.87	54.67	58.71	60.7	56.36	62.16	58.52	2.60
Total Receivables SR		0.7046	0.7414	0.8731	0.2934	0.2967	0.3485	0.4304	0.4271	0.4768	0.8183		0.5002	18.62
Total Current Assets SR		26.87	30.78	30.68	26.8	28.62	28.4	36.24	58.99	46.61	60.42		46.13	16.30
Чистые активы, млрд SR		1.66	1.71	1.89	1.86	1.75	1.7	2.2	2.43	2.71	3.31		2.47	14.26
Активы, млрд SR			214.59	223.32	217.62	216.28	229.9	265.79	310.09	325.74	359.65	386.85	329.62	7.80
Short Term Debt SR		5.24	5.03	8.9	8.22	8.14		4					6.86	-4.48
Long Term Debt SR		4	4	8.01	8.02	8.02	4	0.003	5.68	8.72			5.28	1.69
Задолженность, млрд SR			179.05	186.77	179.85	177.66	193.13	225.22	265.73	278.44	303.48	326.59	279.89	7.72
Чистый долг, млрд SR	-12.94	-11.5	-11.74	-14.18	-9.06	-14.84	-20.99	-15.56	-24.23	-23.86			-19.8960	9.96
Долг, млрд SR		9.24	9.03	16.91	16.24	16.15		4.01	6.23	9.25			10.38	-10.65
Амортизация, млрд SR	0.2853	0.2687	0.2577	0.2758	0.2888	0.2822	0.2969	0.439	0.4883	0.4932			0.3999	11.81
Товарно материальные запасы SR		0.4374	0.3908	0.2584	0.245	0.2351	0.2274	0.2331	0.3241	0.3136	0.4652		0.3127	15.39

	2016Q4	2017Q1	2017Q2	2017Q3	2017Q4	2018Q1	2018Q2	2018Q3	2018Q4	2019Q1	2019Q2	2019Q3	2019Q4	2020Q2	2020Q3	2020Q4	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	5 quarters average	CAGR 5
Наличность, млрд SR																						56.29	43.98	53.98	63.64	59.31	38.61	41.61	46.22	38.7	46.72	42.37	3.89
Short Term Investments SR	8.75				5.02				2.46				14.63																			7.71	13.71
Long term investments SR																			59.58	60.7	61.21	56.43	57.51	56.36	57.9	60.59	63.34	62.16				60.07	1.98
Total Receivables SR															0.0878	0.4271	14.28	0.9892	0.9983	0.4768	0.4974	13.81	20.2	0.8183								7.16	11.41
Total Current Assets SR															57.67	59.06	50.97	51.13	47.06	46.61	50.76	60.16	49.35	60.42								53.46	5.33
Чистые активы, млрд SR															2.39	2.43	2.47	2.43	2.5	2.71	2.85	2.98	3.16	3.31								3.00	4.08
Активы, млрд SR																						357.95	347.88	359.65	380.62	389.24	377.01	386.85	404.86	405.03	433.37	401.42	2.83
Short Term Debt SR	8.22	8.15	8.12	8.15	8.14	8.27	8.29						4																			7.37	-13.27
Long Term Debt SR								8.06	4	4.05	4	4.04						8.71	8.65	8.72	8.65	8.72										8.69	0.02
Задолженность, млрд SR																						308.5	298.29	303.48	324.79	331.55	319.57	326.59	344.78	342.68	370.23	340.77	2.99
Чистый долг, млрд SR														-39.95	-49.99	-24.23	-39.72	-40.02	-35.77	-23.86	-39.08	-47.58	-35.31									-36.3200	-0.26
Долг, млрд SR	16.24	16.2	16.14	16.2	16.15	16.32	16.31																									16.22	0.21
Амортизация, млрд SR														0.1238	0.1307	0.119	0.1239	0.1195	0.1226	0.1272	0.1322	0.1302	0.1374									0.1299	2.31
Товарно материальные запасы SR															0.3276	0.3241	0.3148	0.2988	0.2877	0.3136	0.3084	0.3017	0.324	0.4652								0.3426	8.21

Share

IFRS

Reporting Annual Quarterly

	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	5 year average	CAGR 5
EPS	1.43	1.35	1.11	1.32	1.57	1.68	1.56	2	2.33	2.69				2.05	9.87
Цена акции ао				12.58	19.82	24	20.2	27.1	31.8	28.5	28.6	32.5	32.5	29.70	3.70
Число акций ао, млн	3000	3000	3000	3000	3000	3000	3000	3000	3000	2995				2999.00	-0.03
FCF/акцию	3.42	-1.17	-0.9219	0.8205	2.9	3.95	7.74	-3.59	0.2336	-3.05				1.06	-194.96

	2020Q2	2020Q3	2020Q4	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2025Q1	5 quarters average	CAGR 5
EPS									0.54	0.59	0.68	0.65	0.63	0.6976	0.6526	0.6921	0.7805	0.8862		0.7418	4.90
Цена акции ао							28.15	34.19	37.01	35.1	33.84	29.39	32.52	31.1	27.21				32.5	30.54	2.03
Число акций ао, млн	3000	3000	3000	3000	3000	3000	3000	3000	3000	3000										3000.00	0.00
FCF/акцию						-0.7303	0.0477	0.5356	2.01	-3.89				-6.95	0.2664	1.75	-1.95	4.8		-0.4167	-192.86

Efficiency

IFRS

Reporting Annual Quarterly

	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
ROE, %		12.25	11.08	8.85	10.22	12.82	13.81	10.63	12.74	12.5	13.82					12.70	0.01
ROA, %		2.03	1.81	1.54	1.82	2.05	2.11	1.52	1.85	1.95	2.16					1.92	0.47
ROIC, %	13.84	15.23	11.58	10.22	10.82		18.75	15.23	16.15							14.23	9.58
ROS, %					48.56	52.9	52.24	42.53	52.05	52.7	51.12	0	0	0		50.13	-0.43
ROCE, %		12.25	11.08	8.85	10.22	12.82	15.36	12.36	14.2				0	0		12.99	6.80
Ebit margin, %							58.12	49.47	58.04				0	0		55.21	-0.05
Рентаб EBITDA, %		57.54	54.29	47.77	52.04	56.23	62.21	53.87	62.3				0	0		57.33	3.66
Чистая рентаб, %		54.33	50.82	43.97	48.56	52.9	52.24	42.53	52.05	52.7	51.12					50.13	-0.43
Operation Margin, %	54.82	53.74	50.32	43.5	48.28	52.33	56.69					0	0	0		50.22	2.41
Доходность FCF, %	-0.6695	13.14	-7.45	-8.45	7.41	18.53	16.21	40.99	-14.14	0.6674						12.45	-48.56

	2016Q4	2017Q1	2017Q2	2017Q3	2017Q4	2018Q1	2018Q2	2018Q3	2018Q4	2019Q1	2019Q2	2019Q3	2019Q4	2020Q2	2020Q3	2020Q4	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	Industry average	5 quarters average	CAGR 5
ROE, %																						3.26	3.69	3.61	3.62	3.44	3.74	3.41	3.55	3.93	4.37		3.80	3.16
ROA, %																						0.4501	0.5254	0.5638	0.5306	0.5093	0.5454	0.5118	0.5236	0.5773	0.6331		0.5582	3.03
ROIC, %	0.5438	1.97	3.37	3.95	1.78	2.17	4.26																										3.11	4.80
ROS, %																						50.69	53.44	54.43	50.58	50.51	53.17	50.21	50.71	55.32	58.46		53.57	1.92
ROCE, %															3.45	2.61	3.46	3.84	3.75	3.71	3.43	3.66	4.11	4.64									3.91	4.58
Рентаб EBITDA, %														50.09	56.94	46.28	59.64	61.81	64.07	63.55	62.67	61	63.65										62.99	-0.13
Чистая рентаб, %																						50.69	53.44	54.43	50.58	50.51	53.17	50.21	50.71	55.32	58.46		53.57	1.92
Operation Margin, %				51.6	46.83	52.93	47.45	52.33	56.35	59.09	60.03	60.34	46.13																				56.39	-3.92
Доходность FCF, %														34.51	19.44	0.2765	-14.66	0.7435	-2.73	0.1694	1.57	5.42	-11.09										-1.3321	32.36

Coefficients

IFRS

Reporting Annual Quarterly

	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
P/E		17.92	11.68	9.79	8.42	9.95	13.06	12.02	12.63	14.96	10.61					12.66	-4.07
P/BV		2.19	1.29	0.8664	0.86	1.28	1.8	1.28	1.61	1.87	1.42					1.60	-4.63
P/S		9.73	5.94	4.3	4.09	5.27	6.82	5.11	6.57	7.88	5.42					6.36	-4.49
P/FCF				-11.83	13.49	5.4	6.17	2.44	-7.07	149.83		0	0	0		31.35	94.38
E/P				0.1021	0.1188	0.1005	0.0766	0.0832	0.0792	0.0668		0	0	0		0.0813	-7.84
EV/EBIT							8.88	6.7	8.42			0	0	0		8.00	-1.76
EV/EBITDA	34.35	15.46	9.71	8.78	6.27		8.63	6.15	7.84							7.53	-2.24
EV/S		8.9	5.27	4.19	3.26		5.37	3.31	4.88			0	0	0		4.20	3.10
EV/FCF		6.96	-11.92	-11.53	10.77		4.86	1.58	-5.26			0	0	0		0.0840	-14.53
Debt/EBITDA		1.96	3.91	4.47	3.82		0.6005	1.04	1.28			0	0	0		2.24	-22.13
Netdebt/Ebitda			-3.28	-2.5	-3.51	-4.19	-2.33	-4.06	-3.31			0	0	0		-3.4800	-1.17
Debt/Ratio		0.0421	0.0757	0.0746	0.0747		0.0151	0.0201	0.0284			0	0	0		0.0426	-17.56
Debt/Equity		0.2541	0.4627	0.43	0.4183		0.0987	0.1404	0.1957			0	0	0		0.2566	-14.57
Debt/Net Income		2.07	4.18	4.86	4.09		0.7151	1.32	1.54			0	0	0		2.51	-20.53
PEG													0	0
Бета												0.0969	-1.24	-1.24		-0.5716	-457.72
Индекс Альтмана			0.299	0.1686	0.2411	0.3359	0.398	0.2798	0.3467			0	0	0		0.3203	7.54

	2016Q4	2017Q1	2017Q2	2017Q3	2017Q4	2018Q1	2018Q2	2020Q2	2020Q3	2020Q4	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2025Q1	2025Q2	Industry average	5 quarters average	CAGR 5
P/E													51.99	52.21	66.07	68.91	57.61	10.25	10.62	10.88	9.25	8.28				9.86	-4.18
P/BV													1.74	1.79	2.02	2.25	2.12	1.45	1.42	1.47	1.25	1.18				1.35	-4.04
P/S													27.79	28.54	34.26	34.93	30.78	5.34	5.43	5.56	4.84	4.46				5.13	-3.54
P/FCF								2.9	5.14	361.72	-6.82	134.5	-36.61	590.38	63.84	18.45	-9.02									125.41	-24.43
E/P								0.0215	0.0239	0.015	0.0214	0.0198	0.0192	0.0192	0.0151	0.0145	0.0174									0.0171	-1.95
EV/EBITDA	84.64	18.18	18.06	21.22	27.85	29.44	36.78																			26.67	15.29
EV/S	16.74	10.14	8.34	11.71	14.17	16.77	18.91																			13.98	17.79
EV/FCF	11.75	-36.02	4.89	-12.44	18.3	-9.43	-702.81																			-140.2980	-370.09
Debt/EBITDA	44.8	14.47	17.62	14.15	15.42	13.51	14.35																			15.01	-4.02
Netdebt/Ebitda								-30.29	-31.17	-19	-24.04	-21.88	-19.34	-12.69	-20.82	-24.54	-16.22									-18.7220	-3.46
Debt/Ratio	0.0746	0.0749	0.0737	0.0743	0.0747	0.0764	0.0757																			0.0750	0.54
Debt/Equity	0.43	0.4382	0.4406	0.4302	0.4183	0.4512	0.4416																			0.4364	0.05
Debt/Net Income	55.36	15.47	19.03	15.05	16.59	14.35	15.35																			16.07	-4.21
Бета																							-2.8	-1.24		-2.0200	-33.45
Индекс Альтмана										0.1934	0.2422	0.2878	0.2951	0.2781	0.3421	0.3676	0.3473						0	0		0.3260	3.31

Dividends

IFRS

Reporting Annual Quarterly

	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
Див.выплата, млрд	2.44	2.14	2.18	1.98	2.91	2.76	1.65	2.99	3.11	3.88					2.88	7.05
Дивиденд				0.65	0.75	0.92	0.55	1	1.04	1.3	1.55	0.9	1.7		1.16	-2.09
Див доход, ао, %				5.87	4.79	3.77	2.91	3.94	2.97	5.72	5.89	8.03	6.96		5.31	15.30
Дивиденды / прибыль, %	55.96	52.88	65.19	50.23	61.66	49.23	35.1	49.6	44.28	48.2					45.28	-0.42

	2018Q3	2019Q1	2019Q3	2020Q1	2021Q1	2021Q2	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	Industry average	5 quarters average	CAGR 5
Див.выплата, млрд							1.61	1.49	0.000325	0.0017	1.94	1.94	0.0016	0.000444	2.23	2.39		1.31	4.26
Дивиденд	0.37	0.4	0.52	0.55	0.5	0.5	0.54	0.5		0.65		0.65						0.5680	5.39
Див доход, ао, %	2.22	1.8	2	2.6	2.37	1.96	1.46	1.42		2.21		2.09						1.83	1.29
Дивиденды / прибыль, %							100.08	81.77	0.016	0.0843	97.83	92.65	0.0822	0.0214	95.47	90		55.64	-0.58

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