SR: 1030 - The Saudi Investment Bank

Yield per half year: +11.81%
Dividend yield: +7.99%
Sector: Financials

Reporting The Saudi Investment 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		22.38	28.25	22.61	13.17	13.98	15.78	16.06	13.36	16.17	19.45		16.16	4.27
Выручка, млрд SR			2.52	2.32	2.11	2.55	2.71	2.82	2.84	2.77	3.28	3.97	3.14	7.08
Чистая прибыль, млрд SR			1.44	1.33	1.05	1.41	1.46	0.2395	0.9796	1.06	1.51	1.76	1.11	49.02
EV, млрд SR		22.34	34.42	16.13	10.44	10.5	13.01	10.85	4.99	2.36			8.34	-25.81
EBIT, млрд SR	0.912	1.29	1.44	1.33	1.05	1.41	1.46	0.3295	1.23	1.27			1.14	-2.07
EBITDA, млрд SR	0.9821	1.36	1.51	1.41	1.14	1.5	1.56	0.473	1.37	1.42			1.26	-1.09
Баланс стоимость, млрд SR			11.85	12.04	13.54	14.28	13.44	14.01	15.33	16.3	16.79	17.24	15.93	4.24
FCF, млрд SR			0.5806	-2.05	-0.638	1.79	2.53	8.24	1.45	1.25	-3.51	9.5	3.39	2.89
Операционный денежный поток, млрд SR			0.687	-1.85	-0.583	1.89	2.69	8.24	1.56	1.43	-10.88	9.72	2.01	3.36
Операционная прибыль, млрд SR		1.13	1.36	1.17	0.9023	1.28	1.33	0.2777					0.9920	-25.00
Операционные расходы, млрд SR	0.6321	0.7617	0.9429	1.03	1.05	1.06	1.13	1.23	1.21	1.31			1.19	4.33
CAPEX, млрд SR			0.1064	0.1926	0.055	0.1079	0.1616	0.0827	0.1061	0.1818	0.3339	0.2184	0.1846	21.44

	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														11.6	13.09	14.47	14.45	15.61	16.03	16.95	18.94	21.31	19.74									18.59	4.25
Выручка, млрд SR																						0.7741	0.8582	0.9354	0.9596	0.9893	1.01	1.01	0.9951	1.02	1.08	1.02	1.35
Чистая прибыль, млрд SR																						0.3207	0.55	0.3502	0.4089	0.4438	0.4616	0.4473	0.4424	0.4864	0.5178	0.4711	2.32
EV, млрд SR	18.29	38.63	33.88	27.14	11.15	39.58	37.26		13.25	27.24			9.33																			25.33	-25.10
EBIT, млрд SR														0.3341	0.3816	0.3397	0.2636	0.3136	0.3422	0.3479	0.35	0.391	0.6707									0.4204	14.41
EBITDA, млрд SR														0.3711	0.4178	0.3742	0.2999	0.3507	0.3802	0.3874	0.3865	0.4296	0.7098									0.4587	13.30
Баланс стоимость, млрд SR																						16.73	16.51	16.79	16.78	16.69	16.54	17.24	17.28	17.5	17.84	17.28	1.52
FCF, млрд SR																						-2.06	-6.25	-1.37	8.56	-1.96	3.54	-0.634	2.35	0.832	3.29	1.88	-1.45
Операционный денежный поток, млрд SR																						-2.02	-6.25	-2.81	-5.23	-5.23	3.6	-0.5672	2.49	0.913	3.35	1.96	-1.43
Операционная прибыль, млрд SR				0.3188	0.3199	0.3322	0.3336	0.3269	0.3399	0.33	-0.3759	0.3759	-0.0522																			0.1235	-168.75
Операционные расходы, млрд SR														0.2871	0.2923	0.2979	0.3074	0.3061	0.3066	0.3869	0.355	0.342	0.3714									0.3524	3.91
CAPEX, млрд SR																						0.0461	0.0013	0.2395	0.0461	0.0461	0.0585	0.0668	0.139	0.0809	0.0563	0.0803	-0.76

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			4.98	10.49	6.77	7.49	6.81	7.22	5.88	9.06	5.43	6.05	6.73	-3.47
Short Term Investments SR		3.25	4.99		1.22	1.28	0.977	6.03					2.90	3.86
Long term investments SR			23.24	19.92	19.96	20.4	26.9	28.47	32.38	30.39	17.32	14.25	24.56	-12.93
Total Receivables SR	0.5377	0.6087	0.4748	0.507	0.0129	0.0674	0.0408	0.197	0.0737	0.173			0.1104	20.75
Total Current Assets SR		12.83	11.41	12.15	73.31	72.27	68.11	70.95	66.16	69.85	21.49		59.31	-20.60
Чистые активы, млрд SR		0.8725	0.9096	0.9723	0.967	0.9966	0.9029	1.13	1.06	0.9995	1.21		1.06	6.03
Активы, млрд SR			93.63	93.63	94.36	93.8	96.07	100.81	99.88	101.59	109.07	129.98	108.27	5.21
Short Term Debt SR		6.6	7.15	1.01	1.03	0.0179	2.04	0.0116					0.8219	-59.07
Long Term Debt SR		2	4	3	3	4	2	2	2.01	0.2319			2.05	-43.42
Задолженность, млрд SR			81.77	81.6	80.82	79.52	82.63	86.81	84.55	85.29	92.28	112.75	92.34	5.37
Чистый долг, млрд SR	-4.21	-6.64	-0.9804	-6.49	-2.73	-3.48	-2.78	-5.21	-3.62	-8.83			-4.7840	20.47
Долг, млрд SR		8.6	11.15	4.01	4.03	4.02	4.04	2.01	2.26	0.2319			2.51	-43.48
Goodwill SR										0.0183	0.0183	0.0183	0.0183	0.00
Амортизация, млрд SR	0.07	0.0717	0.0689	0.0806	0.089	0.0926	0.1032	0.1435	0.1447	0.1509			0.1270	10.26
Товарно материальные запасы SR		0.1528	0.1528	0.1528	0.4187	0.7187	0.7187	0.4577	0.4467	0.452	0.452		0.5054	-8.86

	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																						7.22	7	5.43	7.23	7.08	6.96	6.05	7.05	6.61	6.48	6.63	-1.42
Short Term Investments SR	1.22				1.28	1.16	5.67	1.3	0.977	0.94	1.38	2.92	6.03																			2.45	43.91
Long term investments SR																			30.85	30.39	31.18	16.53	17	17.32	31.66	33.43	34.64	14.25				26.26	-3.83
Total Receivables SR														0.0402	0.0567	0.0737	0.2237	0.0788	0.102	0.173	0.1668	0.1787	0.1541									0.1549	8.60
Total Current Assets SR																25.67	21.59	10.1	9.86	26.64	15.54	17.16	11.73	21.49		28.44						18.87	12.85
Чистые активы, млрд SR																1.06	1.04	1.02	1.01	0.9995	0.9817	0.9698	0.9694	1.21		1.17						1.06	3.57
Активы, млрд SR																						110.8	106.54	109.07	121.9	123.59	129.83	129.98	136.41	143.36	151.25	138.17	3.10
Short Term Debt SR	9.61	18.74	15.67	12.41	0.0179	14.82	15.2		2.04	2.03			0.0116																			6.82	-76.08
Long Term Debt SR				12.11	4	14.47	14.81	15.84	2	13.16	15.9	15.4	2																			9.69	0.00
Задолженность, млрд SR																						94.07	90.03	92.28	105.12	106.9	113.29	112.75	119.12	125.86	133.41	120.89	3.32
Чистый долг, млрд SR														-4.37	-3.64	-3.62	-2.93	-5.54	-5.13	-8.83	-14.55	-7.02	-6.79									-8.4640	5.77
Долг, млрд SR	12.61	34.09	30.89	24.51	4.02	29.3	30.01		4.04	15.18			2.01																			16.11	-41.49
Goodwill SR																						0.0183	0.0183	0.0183				0.0183				0.0183	0.00
Амортизация, млрд SR														0.037	0.0362	0.0345	0.0363	0.0371	0.038	0.0395	0.0365	0.0385	0.0391									0.0383	0.57
Товарно материальные запасы SR																0.4467	0.4467	0.4205	0.4205	0.452	0.452	0.452	0.452	0.452		0.452						0.4520	0.00

Share

IFRS

Reporting Annual Quarterly

	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	5 year average	CAGR 5
EPS	0.62	0.3	1	1.88	1.85	0.31	0.97	1.09	1.37	1.41				1.03	35.39
Цена акции ао				15.02	17.12	18.04	16	19.56	17.34	15.96	14.5	14.6	14.6	16.39	-5.68
Число акций ао, млн	999.75	999.75	999.75	999.75	924.84	899.78	899.78	947.97	1000	1250				999.51	6.80
FCF/акцию	0.5808	-2.05	-0.6382	1.79	2.74	9.16	1.61	1.32	-3.51	7.6				3.24	-3.67

	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							0.33	0.27	0.29	0.54	0.27			0.3693	0.3578	0.3539	0.3894	0.4146		0.3770	2.34
Цена акции ао							17.88	18.94	21.31	19.74	17.94	16.86	16.91	16.8	15.02				14.6	16.04	-2.84
Число акций ао, млн	899.78	899.78	899.78	899.78	899.78	947.97	947.97	1000	1000	1000										979.19	1.07
FCF/акцию						-1.5	3.25	6.17	-2.06	-6.25				2.83	-0.5072	1.88	0.6661	2.63		1.50	-1.46

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, %		12.12	11.04	7.77	9.88	10.85	1.71	6.39	6.51	8.98	10.35					6.79	43.35
ROA, %		1.53	1.42	1.12	1.5	1.52	0.2375	0.9807	1.05	1.38	1.47					1.02	43.99
ROIC, %	9.03	8.32	11.53	9.03	9.62	10.92	3.18	7.1	11.41							8.45	3.47
ROS, %					55.3	53.77	8.5	34.44	38.29	45.96	44.42	0	0	0		34.32	39.20
ROCE, %		12.12	11.04	7.77	9.88	10.85	2.35	8.01	7.77				0	0		7.77	-4.69
Ebit margin, %							11.69	43.19	45.7				0	0		33.53	57.53
Рентаб EBITDA, %		59.71	60.62	54.08	58.93	57.58	16.78	48.28	51.15				0	0		46.54	-2.79
Чистая рентаб, %		56.98	57.16	49.87	55.3	53.77	8.5	34.44	38.29	45.96	44.42					34.32	39.20
Operation Margin, %	56.51	53.82	50.44	42.73	50.13	49.12	9.86					0	0	0		40.46	-27.85
Доходность FCF, %	42.77	2.06	-9.05	-4.84	12.77	16.05	51.3	10.86	7.75	-18.06						13.58	-202.39

	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	Industry average	5 quarters average	CAGR 5
ROE, %																						1.92	3.33	2.09	2.44	2.66	2.76	2.67	2.62	2.85	2.99		2.78	1.61
ROA, %																						0.2894	0.5162	0.3211	0.3354	0.3591	0.3643	0.3443	0.3322	0.3477	0.3515		0.3480	-0.71
ROIC, %	2.49	1.45	1.58	2.1	4.38	1.84	1.82																										2.34	2.87
ROS, %																						41.42	64.09	37.44	42.61	44.86	45.82	44.18	44.46	47.57	48.04		46.01	0.95
ROCE, %														2.35	2.58	2.22	1.71	2.02	2.05	2.13	2.26	2.34	4.06										2.57	14.64
Рентаб EBITDA, %														52.07	57.8	54.06	47	48.94	55.51	52.83	53.88	55.5	82.71										60.09	8.30
Чистая рентаб, %																						41.42	64.09	37.44	42.61	44.86	45.82	44.18	44.46	47.57	48.04		46.01	0.95
Operation Margin, %				49.6	50.63	48.4	49.71	46.66	51.92	46.46	-53.81	50.84	-7.32																				17.62	-167.58
Доходность FCF, %														30.83	-41.43	27.95	-25.89	21.34	-8.88	18.19	32.58	-9.69	-31.67										0.1060	28.96

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		19.67	17.02	12.51	9.91	10.82	67.07	13.64	15.23	12.9	9.03					23.57	-33.04
P/BV		2.38	1.88	0.9726	0.979	1.17	1.15	0.8715	0.9916	1.16	0.9225					1.02	-4.31
P/S		11.21	9.73	6.24	5.48	5.82	5.7	4.7	5.83	5.93	4.01					5.23	-6.79
P/FCF				-20.64	7.83	6.23	1.95	9.21	12.91	-5.54		0	0	0		4.95	-197.68
E/P				0.0799	0.1009	0.0924	0.0149	0.0733	0.0657	0.0775		0	0	0		0.0648	-3.46
EV/EBIT							13.49	4.06	1.86			0	0	0		6.47	-48.34
EV/EBITDA	16.44	22.87	11.45	9.14	6.99	8.33	22.94	3.63	1.66							8.71	-24.99
EV/S			6.94	4.94	4.12	4.79	3.85	1.75	0.8509			0	0	0		3.07	-27.05
EV/FCF			-7.88	-16.36	5.88	5.13	1.32	3.44	1.88			0	0	0		3.53	-20.39
Debt/EBITDA			2.85	3.53	2.67	2.58	4.25	1.65	0.1635			0	0	0		2.26	-42.80
Netdebt/Ebitda			-4.61	-2.39	-2.31	-1.78	-11.02	-2.64	-6.22			0	0	0		-4.7940	21.91
Debt/Ratio			0.0428	0.0428	0.0428	0.042	0.02	0.0226	0.0023			0	0	0		0.0259	-44.27
Debt/Equity			0.3332	0.2979	0.2814	0.3003	0.1436	0.1475	0.0142			0	0	0		0.1774	-44.97
Debt/Net Income			3.02	3.83	2.85	2.77	8.4	2.31	0.2184			0	0	0		3.31	-40.18
PEG													0	0
Бета												0.0216	-0.2302	-0.2302		-0.1043	-426.46
Индекс Альтмана			0.2943	0.0331	0.108	0.1052	0.1073	0.0716	0.211			0	0	0		0.1206	14.33

	2016Q4	2017Q1	2017Q2	2017Q3	2017Q4	2018Q1	2018Q2	2018Q4	2019Q1	2019Q4	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																58.42	59.26	65.97	66.45	35.89	8.48	8.49	8.72	8.69	8.6				8.60	0.28
P/BV																0.9604	1.04	1.22	1.27	1.2	0.9553	0.9225	0.9618	0.9121	0.9132				0.9330	-0.90
P/S																23.4	23.12	26.39	27.53	23	3.61	3.77	3.91	3.96	3.97				3.84	1.92
P/FCF											3.24	-2.41	3.58	-3.86	4.69	-11.26	5.5	3.07	-10.32	-3.16									-3.2340	-22.44
E/P											0.0226	0.023	0.0183	0.0148	0.0184	0.0171	0.0169	0.0152	0.015	0.0279									0.0184	10.29
EV/EBITDA	56.4	104.99	89.44	71.17	29.71	102.71	96.24	33	69.01	-230.71																			14.05	-217.57
EV/S	38.01	61.82	51.97	42.23	17.65	57.67	55.53	20.24	38.34	13.08																			36.97	-25.68
EV/FCF	-7.09	24.64	41.26	7.91	-2.77	-20.56	3.97	8.7	-451.72	1.96																			-91.5300	-162.50
Debt/EBITDA	38.89	92.65	81.56	64.29	10.71	76.02	77.51	10.05	38.47	-49.72																			30.47	-191.86
Netdebt/Ebitda											-11.77	-8.71	-9.67	-9.77	-15.8	-13.49	-22.78	-37.64	-16.33	-9.57									-19.9620	-6.64
Debt/Ratio	0.1336	0.3495	0.319	0.2494	0.0428	0.3201	0.2943	0.042	0.1601	0.02																			0.1673	-42.57
Debt/Equity	0.9312	2.49	2.23	1.75	0.2814	1.99	2.07	0.3003	1.09	0.1436																			1.12	-40.89
Debt/Net Income	41.74	98.83	86.86	68.41	11.42	81.1	83	10.78	42.19	-29.08																			37.60	-181.45
Бета																										-0.4035	-0.2302		-0.3169	-24.47
Индекс Альтмана													0.0203	-0.013	0.1025	0.0983	0.156	0.1894	0.1717	0.174						0	0		0.1579	12.10

Dividends

IFRS

Reporting Annual Quarterly

	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	Industry average	5 year average	CAGR 5
Див.выплата, млрд	0.4775	0.522	0.5345	0.35	0.45	0.27	0.27	0.27	0.825	0.85				0.4970	25.78
Дивиденд	0.3522	0.3842	0.3901	0.3001	0.3601			0.2401	0.6611	1.04	0.76	0.76		0.6123	16.11
Див доход, ао, %	1.25	1.7	2.96	2.15	2.11			1.41	3.4	8.03	7.77	7.99		4.54	29.79
Дивиденды / прибыль, %	33.24	39.29	50.76	24.81	30.85	112.75	27.56	25.43	54.71	48.25				53.74	-15.61

	2014Q2	2015Q1	2016Q2	2017Q2	2018Q2	2021Q2	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2024Q1	2024Q3	Industry average	5 quarters average	CAGR 5
Див.выплата, млрд							0.525	0.525	0.525	0.3	0.45	0.45	0.45	0.4	0.45	0.4495		0.4399	-0.02
Дивиденд	0.3522	0.3842	0.3901	0.3001	0.3601	0.2401		0.4211		0.24			0.36	0.32				0.3162	5.91
Див доход, ао, %	1.33	1.48	3	2.33	2.1	1.38		2.22		1.22			2.13	1.91				1.77	6.72
Дивиденды / прибыль, %							183.54	182.92	163.73	54.55	128.49	110.05	101.4	86.65	101.71	86.81		97.32	-4.63

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