SR: 1060 - The Saudi British Bank

Yield per half year: +4.73%
Dividend yield: +7.26%
Sector: Financials

Reporting The Saudi British 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		135 920.24	77.86	52.4	31.4	36.61	47.19	74.77	52.41	61.64	82.94
Выручка, млрд SR			6.5	6.64	6.86	7.08	7.39	9.39	8.88	7.94	9.7	12.71
Чистая прибыль, млрд SR			4.27	4.33	3.89	3.95	4.93	2.83	-4.13	3.2	4.87	7
EV, млрд SR		135 902.34	61.42	34.57	5.28	0.9247	24.24	50.01	15.39	53.85
EBIT, млрд SR	3.24	3.77	4.27	4.33	3.89	3.95	4.93	3.29	-4.27	3.91
EBITDA, млрд SR	3.35	3.87	4.35	4.43	4.01	4.08	5.06	3.72	-3.59	4.53
Баланс стоимость, млрд SR			26.07	28.17	31.28	33.34	32.34	56.07	50.71	52.93	54.68	61.9
FCF, млрд SR			0.1261	-6.54	2.32	7.46	-2.22	21.09	11.86	-16.29	29.87	16.46
Операционный денежный поток, млрд SR			0.2776	-6.11	2.47	7.68	-1.95	21.38	12.34	-15.73	30.53	16.99
Операционная прибыль, млрд SR		3.65	4.16	4.2	3.83	3.89	4.89	3.56
Операционные расходы, млрд SR	1.6	1.72	1.9	2.01	2.08	2.19	2.27	3.65	4.22	3.71
CAPEX, млрд SR			0.1515	0.4246	0.1578	0.2195	0.2772	0.2918	0.4727	0.5636	0.661	0.5223

	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												46.56	52.01	51.83	52.57	61.04	66.79	66.22	79.64	85.6	84.05
Выручка, млрд SR																				2.31	2.57	2.73	3.22	3.07	3.25	3.18	3.45	3.49	3.53
Чистая прибыль, млрд SR																				1.08	1.4	1.39	1.76	1.55	1.83	1.86	2.04	2.02	1.88
EV, млрд SR	4.58	15.04	3.89	23.38	23.24		25.93	38.54	35.12	54.65	43.46
EBIT, млрд SR												-7.36	1.12	0.8094	1.14	1.13	1.04	0.5948	1.17	1.29	1.63
EBITDA, млрд SR												-7.2	1.3	0.9881	1.33	1.29	1.18	0.7274	1.29	1.4	1.74
Баланс стоимость, млрд SR																				53.81	53.33	54.68	57.03	56.69	55.54	61.9	63.02	62.74	64.16
FCF, млрд SR																				19.91	-7.95	15.77	7.29	-1.99	-4.59	7.35	-0.5203	0.1883	3.68
Операционный денежный поток, млрд SR																				20.06	-7.79	15.92	7.33	-1.87	-4.4	7.55	-0.14	0.2528	3.91
Операционная прибыль, млрд SR		1.06	0.6777	1.03	1.43	1.24	1.17	1.4	-0.3675	1.28	1.1
Операционные расходы, млрд SR												0.9747	1.01	1.15	0.9069	0.8435	0.9322	1.1	0.9402	0.9324	0.9485
CAPEX, млрд SR																				0.1581	0.1605	0.156	0.0365	0.1222	0.194	0.2021	0.3803	0.0645	0.2315

	5 quarters average	CAGR 5

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			21.78	22.39	32.34	40.37	26.14	26.25	41.55	20.9	24.54	24.15
Short Term Investments SR			8.6	0.151	13.55	17.38	4.81	8.17
Long term investments SR			45.92	36.22	30.64	28.03	35.67	62.11	63.41	66.6	89.5	99.4
Total Receivables SR	0.7041	1.38	0.6791	0.7712	0.4482	0.5216	0.4887	1.8	1.43	1.57
Total Current Assets SR		31.94	23.71	23.67	154.36	41.66	27.85	184.7	198.89	191.81
Чистые активы, млрд SR		0.6037	0.6472	0.9714	1.02	1.08	1.22	3.31	3.17	3.25
Активы, млрд SR			187.61	187.75	186.06	187.62	174.56	265.47	276.45	272.4	314.45	356.64
Short Term Debt SR		6.14	2.3	0.0131	1.54	0.0069	1.7	0.005
Long Term Debt SR		5.36	3.05	4.55	4.69	4.67	1.49	1.49	5.07	5.06
Задолженность, млрд SR			161.54	159.58	154.78	154.14	142.1	209.31	225.69	219.37	259.77	294.74
Чистый долг, млрд SR	-23.85	-24.02	-16.44	-17.85	-26.11	-35.68	-22.95	-24.75	-35.58	-15.19
Долг, млрд SR		11.5	5.34	4.56	6.23	4.68	3.19	1.5	5.98	5.71
Goodwill SR							0.0138	13.09	8.79	8.79	8.78	8.78
Амортизация, млрд SR	0.1121	0.0915	0.0864	0.0966	0.1109	0.1248	0.1315	0.4321	0.6777	0.6224

	2016Q4	2017Q2	2017Q3	2017Q4	2018Q1	2018Q2	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																				33.86	17.23	24.54	27.95	21.96	19.31	24.15	27.54	26.8	23.77
Short Term Investments SR	13.55			17.38			4.81			1.68	8.17
Long term investments SR																	68.11	66.6	67.4	75.17	82	89.5	93.72	96.44	93.1	99.4
Total Receivables SR														1.43	0.1578	0.0583	0.0833	1.57	0.1979	9.14	2.09		0.0398	0.1109
Total Current Assets SR														46.33	34.44	29.59	22.7	20.9	23.67	38.09	21.93		30.74	25.14
Чистые активы, млрд SR												3.25	3.24	3.17	3.2	3.28	3.17	3.25	3.32	3.42	3.5
Активы, млрд SR																				302.54	299.99	314.45	328.88	334.91	340.48	356.64	369.61	382.3	395.35
Short Term Debt SR		5.14	5.15	0.0069	5.38	5.41	1.7	1.7	1.7	1.7	0.005
Long Term Debt SR							1.49	1.52	1.5	1.52	1.49					5.06	5.03	5.06	5.03	5.07
Задолженность, млрд SR																				248.63	246.56	259.77	271.85	278.22	284.94	294.74	306.59	319.55	331.18
Чистый долг, млрд SR												-27.44	-21.41	-35.58	-26.6	-21.64	-14.75	-15.19	-16.54	-28.79	-12.18
Долг, млрд SR		9.82	9.86	4.68	10.09	10.1	3.19	3.21	3.2	3.21	1.5
Goodwill SR																	8.79	8.79	8.78	8.78	8.9	8.78	8.78	8.78	8.78	8.78
Амортизация, млрд SR												0.1583	0.1833	0.1787	0.1874	0.1613	0.141	0.1327	0.1158	0.1158	0.1163

	5 quarters average	CAGR 5

Share

IFRS

Reporting Annual Quarterly

	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	5 year average	CAGR 5
EPS	1.94		2.91	2.6	2.63	3.29	1.68	1.62	1.56	2.37	3.41
Цена акции ао					27	32.65	34.7	24.72	33	38.95	37.9	33.65	36.55	36.55
Число акций ао, млн		1500	1500	1500	1500	1500	2064.07	2071.71	2058.84	2054.79	2054.79
FCF/акцию		0.0841	-4.36	1.54	4.97	-1.48	10.22	5.73	-7.91	14.54	8.01

	2020Q2	2020Q3	2020Q4	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	5 quarters average	CAGR 5
EPS									0.53	0.68	0.67	0.86	0.75	0.8908	0.904	0.9943	0.9822	0.9165
Цена акции ао						32.44	32.16	38.78	41.66	40.91	40.23	35.43	37.2	36.85	34.26
Число акций ао, млн	2053.14	2071.75	2071.71	2071.71	2041.11	2058.84	2058.84	2053.52	2054.79	2054.79
FCF/акцию						-2.06	-0.2656	1.05	9.69	-3.87				-2.23	3.58	-0.2532	0.0916	1.79

	5 quarters average	CAGR 5

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, %		16.36	15.37	12.45	11.86	15.25	5.05	-8.15	6.05	8.91	12.01
ROA, %		2.27	2.31	2.09	2.11	2.83	1.07	-1.49	1.18	1.55	2.09
ROIC, %	13.91	16.9	18.7	13.11	14.72	20.13	9.52	-5.17	8.81
ROS, %					55.87	66.75	30.14	-46.56	40.34	50.24	55.11	0	0	0
ROCE, %		16.36	15.37	12.45	11.82	15.2	5.86	-8.4	7.36				0	0
Ebit margin, %							35.04	-48.07	49.17				0	0
Рентаб EBITDA, %		66.92	66.67	58.4	57.63	68.52	39.64	-40.43	57.01				0	0
Чистая рентаб, %		65.59	65.22	56.78	55.87	66.75	30.14	-46.56	40.34	50.24	55.11
Operation Margin, %	63.52	63.91	63.25	55.85	54.9	66.1	37.87					0	0	0
Доходность FCF, %	0.0074	0.162	-12.48	7.38	20.37	-4.71	28.21	22.64	-26.42	36.02

	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, %																				2.01	2.62	2.54	3.09	2.73	3.29	3.27	3.49	3.36	3.04
ROA, %																				0.3579	0.4653	0.4418	0.5365	0.4628	0.542	0.5329	0.5626	0.5368	0.4843
ROIC, %	3.75	4.47	2.79	2.5	5.37		3.82	3.58	2.01	3.86	1.6
ROS, %																				46.84	54.24	50.89	54.86	50.54	56.37	58.48	59.3	57.8	53.38
ROCE, %												-15.23	2.25	1.59	2.19	2.14	1.97	1.12	2.17	2.38	3.04
Рентаб EBITDA, %												-309.94	60.64	50.33	66.18	65.43	60.03	35.21	60.81	60.62	67.73
Чистая рентаб, %																				46.84	54.24	50.89	54.86	50.54	56.37	58.48	59.3	57.8	53.38
Operation Margin, %		60.24	38.98	57.99	75.86	65.82	63.29	71.22	-18.5	49.74	38.55
Доходность FCF, %												21.59	-4.62	16.43	-14.63	-6.24	-6.35	-0.8258	2.7	23.26	-9.46

	Industry average	5 quarters average	CAGR 5

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		18.25	12.1	8.06	9.26	9.57	26.42	-12.68	19.24	17.02	11.12
P/BV		2.99	1.86	1	1.1	1.46	1.33	1.03	1.16	1.52	1.26
P/S		11.97	7.89	4.58	5.17	6.39	7.96	5.9	7.76	8.55	6.13
P/FCF				13.56	4.91	-21.22	3.54	4.42	-3.78	2.78		0	0	0
E/P				0.124	0.108	0.1045	0.0379	-0.0788	0.052	0.0588		0	0	0
EV/EBITDA	35159.33	14.11	7.81	1.32	0.2267	4.79	13.44	-4.29	11.89
EV/EBIT							10.83	-3.61	13.79			0	0	0
EV/S			5.21	0.7705	0.1306	3.28	5.33	1.73	6.78			0	0	0
EV/FCF			-5.29	2.28	0.124	-10.9	2.37	1.3	-3.31			0	0	0
Debt/EBITDA			1.03	1.55	1.15	0.6308	0.403	-1.67	1.26			0	0	0
Netdebt/Ebitda			-4.03	-6.52	-8.75	-4.53	-6.65	9.91	-3.36			0	0	0
Debt/Ratio			0.0243	0.0335	0.025	0.0183	0.0056	0.0216	0.021			0	0	0
Debt/Equity			0.1618	0.1991	0.1404	0.0988	0.0267	0.1179	0.1079			0	0	0
Debt/Net Income			1.05	1.6	1.18	0.6476	0.5299	-1.45	1.78			0	0	0
Бета												-1.08	-0.163	-0.163
Индекс Альтмана			0.4478	0.3162	0.3549	0.47	0.3543	0.1424	0.2439			0	0	0

	2017Q2	2017Q3	2017Q4	2018Q1	2018Q2	2018Q4	2019Q1	2019Q2	2019Q3	2019Q4	2020Q2	2020Q3	2020Q4	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2025Q1	Industry average	5 quarters average	CAGR 5
P/E																75.44	155.12	79.15	79.06	60.21	10.85	11.12	11.64	10.34	9.13
P/BV																1.27	1.25	1.48	1.59	1.58	1.28	1.26	1.34	1.28	1.11
P/S																34.03	32.05	37.68	37.03	32.66	5.78	6.13	6.55	6	5.22
P/FCF											4.63	-21.64	6.08	-6.83	-16.03	-15.74	-121.1	37.05	4.3	-10.57
E/P											-0.1473	0.0203	0.0133	0.0185	0.015	0.0133	0.0064	0.0126	0.0126	0.0166
EV/EBITDA	3.95	13.47	5.26	21.75	15.86	20.84	28.73	-144.99	38.09	36.6
EV/S	2.55	8.52	2.24	13.18	12.37	14	19.56	17.68	21.17	15.24
EV/FCF	-22.27	-84.58	0.5819	-6.57	5.09	8.28	-22.01	3.49	-15.89	2.68
Debt/EBITDA	8.47	8.84	6.34	9.39	6.89	2.57	2.39	-13.2	2.24	1.26
Netdebt/Ebitda											3.81	-16.43	-36	-20.01	-16.74	-12.52	-20.89	-12.87	-20.55	-6.99
Debt/Ratio	0.0538	0.0549	0.025	0.0553	0.0552	0.0183	0.0185	0.0118	0.0125	0.0056
Debt/Equity	0.2999	0.3012	0.1404	0.3177	0.3073	0.0988	0.0949	0.0578	0.0585	0.0267
Debt/Net Income	8.7	9.1	6.63	9.68	7.05	2.64	2.5	-12.98	3.01	1.66
Бета																										-0.163
Индекс Альтмана												0.1756	0.1939	0.1888	0.2051	0.1948	0.1821	0.2452	0.2962	0.1981						0

	Industry average	5 quarters average	CAGR 5

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	1.04	1.79	1.02	1.64	2.22	2.65	1.2	1.2	1.96	3.46
Дивиденд			0.7	1.06	1.67	1.6	0.6	0.5	0.91	1.62	1.98	1.98
Див доход, ао, %			3.34	4.34	5.31	4.42	2.37	1.67	2.25	4.55	8.1	7.26
Дивиденды / прибыль, %	24.48	41.39	26.28	41.53	45.04	93.7	-29.09	37.48	40.27	49.42

	2018Q1	2018Q3	2019Q2	2019Q3	2020Q2	2021Q3	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	Industry average	5 quarters average	CAGR 5
Див.выплата, млрд							0.7015	1.26	0.000233	0.00018	1.48	1.99	0.0055	0.0098	1.83	2.08
Дивиденд	0.71	0.96	1	0.6	0.6	0.5	0.36	0.55			0.74	0.88
Див доход, ао, %	2.42	2.96	2.53	1.66	2.65	1.54	0.8642	1.34			1.99	2.39
Дивиденды / прибыль, %							64.79	90.26	0.0168	0.0102	95.18	108.46	0.2958	0.4777	90.67	110.62

	Industry average	5 quarters average	CAGR 5

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