SR: 1120 - Al Rajhi Bank

Yield per half year: +19.05%
Dividend yield: +3.32%
Sector: Financials

Reporting Al Rajhi Bank

Capitalization

IFRS

Reporting Annual Quarterly

	2012	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Капитализация, млрд SR		362 578.06	273.1	234.1	15 849.5	257.42	328.17	300.6	251.48	442.31	442.24				352.96	6.15
Выручка, млрд SR					15.2	15.87	17.27	19.46	20.67	25.64	28.56	27.43	31.91	31.91	26.84	9.07
Чистая прибыль, млрд SR					8.13	9.12	10.3	10.16	10.6	14.75	17.15	16.62	19.72	19.72	15.77	13.22
EV, млрд SR								90.55	106.45	292.12					163.04	47.76
EBIT, млрд SR	7.88	7.44	6.84	7.13	8.13	9.12	10.3	11.33	11.81	16.44					11.80	12.51
EBITDA, млрд SR	8.29	7.84	7.25	7.5	8.56	9.58	10.76	12.4	12.93	17.59					12.65	12.92
Баланс стоимость, млрд SR					51.95	55.75	48.55	51.19	58.12	67.31	100.23	106.76	123.03	123.03	91.09	16.18
FCF, млрд SR					18.32	5.75	12.89	5.55	23.47	17.57	5.73	17.57	49.03	49.03	22.67	15.88
Операционный денежный поток, млрд SR					19.64	7.56	14.37	7.08	24.42	19.95	-44.25	20.43	52.59	52.59	14.63	16.58
Операционная прибыль, млрд SR		7.44	6.84	7.13	8.13	9.12	10.14	11.33							9.17	9.71
Операционные расходы, млрд SR	6.1	4.06	4.52	4.66	4.95	5.24	5.49	6.39	6.74	6.93					6.16	5.75
CAPEX, млрд SR					1.32	1.81	1.48	1.53	0.9457	2.39	2.2	2.86	3.56	3.56	2.39	30.36

	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	2024Q4	5 quarters average	CAGR 5
Капитализация, млрд SR											223.27	250.65	283.22	333.11	407.31	471.35	555.88	610.19	484.27	346.31										493.60	-5.98
Выручка, млрд SR																				7.21	7.25	6.78	6.83	6.87	6.95	7.23	7.64	8.44	8.6	7.77	4.35
Чистая прибыль, млрд SR																				4.35	4.4	4.15	4.15	4.16	4.17	4.4	4.7	5.1	5.52	4.78	5.77
EBIT, млрд SR											2.72	2.96	3.48	3.72	4.02	4.23	4.47	4.61	4.75	4.86										4.58	2.82
EBITDA, млрд SR											2.99	3.23	3.77	3.98	4.3	4.53	4.78	4.91	5.09	5.18										4.90	2.72
Баланс стоимость, млрд SR																				86.1	100.23	99.23	103.19	102.28	106.76	108.27	116.4	117.78	123.03	114.45	2.88
FCF, млрд SR																				-3.76	-2.41	9.88	6.22	4.88	1.74	2.68	13.5	9.32	23.52	10.15	68.34
Операционный денежный поток, млрд SR																				-3.18	-10.48	10.47	6.86	5.83	3.21	3.32	14.05	10.04	25.18	11.16	50.98
Операционная прибыль, млрд SR	2.27	2.45	2.38	2.57	2.57	2.77	2.89	2.87	3.14	2.43																				2.82	-2.59
Операционные расходы, млрд SR											1.63	1.72	1.76	1.65	1.73	1.75	1.79	1.77	1.82	1.86										1.80	1.23
CAPEX, млрд SR																				0.5852	0.4098	0.5919	0.6333	0.9492	1.47	0.632	0.5512	0.7166	1.66	1.01	2.46

Cash flow Cash flow quarterly Assets

Balance sheet

IFRS

Reporting Annual Quarterly

	2012	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Наличность, млрд SR					69.09	59.49	74.38	71.75	76.43	66.8	68.31	52.2	73.4	73.4	67.43	-0.81
Long term investments SR			41.64	38.73	4.11	13.52	20.59	21.85	37.38	61.82	103.85	115.11			68.00	39.42
Total Receivables SR		1.56	1.35	1.93	1.63	1.77	1.15	1.42	1.89	3.33	14.13				4.38	65.15
Total Current Assets SR		49.41	54.03	58.27	71.87	62.94	79.79	76.14	85.51	78.15	78.9				79.70	-0.22
Чистые активы, млрд SR		4.32	4.81	5.58	6.49	7.86	8.65	10.41	10.23	10.67	11.34				10.26	5.56
Активы, млрд SR					339.71	343.12	365	384.09	468.82	623.67	762.37	808.1	974.39	974.39	727.47	15.76
Long Term Debt SR								1.29	1.13	0.9278					1.12	-10.40
Задолженность, млрд SR					287.76	287.37	316.45	332.89	410.71	556.36	662.14	701.34	851.25	851.25	636.36	15.69
Чистый долг, млрд SR	-247.77	-46.37	-50.89	-54.48	-69.09	-59.49	-74.38	-70.45	-75.3	-65.88					-69.1000	2.06
Долг, млрд SR								1.29	1.13	0.9278					1.12	-10.40
Goodwill SR											0.2487	0.2487			0.2487	0.00
Амортизация, млрд SR	0.4017	0.4046	0.4127	0.3741	0.4347	0.4574	0.4586	1.08	1.12	1.14					0.8512	20.04
Товарно материальные запасы SR					0.1471	0.1471	0.0721	0.0604	0.0734	0.028	0.028				0.0524	-17.24

	2011Q3	2012Q1	2012Q2	2012Q3	2016Q4	2017Q4	2018Q4	2019Q4	2020Q2	2020Q3	2020Q4	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	5 quarters average	CAGR 5
Наличность, млрд SR																		58.74	68.31	58.63	57	51.97	52.2	52.08	56.59	60.52	73.4	58.96	7.05
Long term investments SR														59.4	61.82	71.12	73.95	79.12	103.85	93.52	100.23	110.03	115.11					104.55	2.08
Total Receivables SR										21.99	1.89	14.73	20.69	18.99	3.33	13.33	7.66	6.65	14.13									9.02	33.52
Total Current Assets SR										69.14	76.02	77.63	70.34	69.43	78.15	59.97	70.86	62.47	78.9									70.07	0.19
Чистые активы, млрд SR										10.15	10.23	10.31	10.47	10.42	10.67	10.89	11.24	11.41	11.34									11.11	1.23
Активы, млрд SR																		740.63	762.37	776.2	784.52	801.48	808.1	835.99	866.96	902.57	974.39	877.60	3.81
Задолженность, млрд SR																		654.53	662.14	676.97	681.33	699.2	701.34	727.72	750.56	784.69	851.25	763.11	3.95
Чистый долг, млрд SR									-73.24	-64.97	-75.3	-70.29	-63.13	-61.94	-65.88	-56.36	-67.13	-58.74										-62.0100	-1.06
Расходы на обслуживание долга SR	0.0646	0.069	0.0714	0.0808																								0.0714	5.75
Goodwill SR																			0.2487				0.2487					0.2487	0.00
Амортизация, млрд SR									0.2788	0.2713	0.2887	0.2584	0.281	0.2977	0.3048	0.3017	0.342	0.3225										0.3137	1.61
Товарно материальные запасы SR					0.1471	0.1471	0.0721	0.0604			0.0734				0.028				0.028									0.0524	-17.24

Share

IFRS

Reporting Annual Quarterly

	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	5 year average	CAGR 5
EPS	5	3.64	4.13	4.68	3.01	3.69	4.24	4.16	4.93		4.93	4.01	10.37
Цена акции ао		64.6	87.5	65.4	73.6	141.8	75.2	86.5	94.6	102	102	100.02	-6.38
Число акций ао, млн	4000	4000	4000	4000	4000	4000	4000	4000	4000		4000	4000.00	0.00
FCF/акцию	4.58	1.44	3.22	1.39	5.87	4.39	1.43	4.39	12.26		12.26	5.67	15.87

	2020Q2	2020Q3	2020Q4	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	5 quarters average	CAGR 5
EPS										1.08	1.48	0.99	0.98	1.04	1.04	1.1	1.17	1.28	1.38		1.19	5.82
Цена акции ао							138.97	152.55	121.07	86.58	81.2	75.8	74.45	71.81	73.21					102	79.45	6.12
Число акций ао, млн	4000	4000	4000	4000	4000	4000	4000	4000	4000	4000											4000.00	0.00
FCF/акцию							2.43	-0.677	3.65	-0.9406				1.22	0.4338	0.671	3.38	2.33	5.88		2.54	68.43

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, %				15.64	16.36	21.21	19.84	18.23	21.91	17.11	16.06	17.17		17.17		18.10	-1.19
ROA, %				2.39	2.66	2.82	2.64	2.26	2.36	2.25	2.12	2.21		2.21		2.24	-0.45
ROIC, %							26.5	28.01								27.26	2.81
ROS, %					57.48	59.62	52.2	51.27	57.52	60.05	60.59	61.8	61.8	61.8		60.35	1.45
ROCE, %		16.32	15.29	15.64	16.36	21.21	22.13	20.33	24.43				0	0		20.89	8.35
Ebit margin, %							58.2	57.16	64.15				0	0		59.84	3.30
Рентаб EBITDA, %		53.14	54.64	56.31	60.36	62.27	63.74	62.57	68.6				0	0		63.51	2.59
Чистая рентаб, %				53.45	57.48	59.62	52.2	51.27	57.52	60.05	60.59	61.8		61.8		58.25	3.81
Operation Margin, %	53.91	50.11	51.92	53.45	57.48	58.69	58.2					0	0	0		55.95	2.31
Доходность FCF, %	0.000272	2.1	-3.93	0.1156	2.23	3.93	1.85	9.33	3.97	1.3						4.08	-19.85

	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	2024Q4	2025Q2	Industry average	5 quarters average	CAGR 5
ROE, %																				5.06	4.39	4.18	4.02	4.19	4.09	4.24	4.4	4.62	4.82			4.43	3.34
ROA, %																				0.588	0.5777	0.534	0.529	0.524	0.5182	0.5358	0.5518	0.5768	0.5877			0.5541	2.55
ROS, %																					60.76	61.13	60.78	60.46	59.98	60.93	61.52	60.47	64.17	61.8		61.78	0.28
ROCE, %											5.23	5.4	5.99	6.28	6.74	6.65	6.65	5.88	5.8	5.64												6.12	-3.24
Рентаб EBITDA, %											62.29	62.78	65.65	66.87	67.92	68.83	70.53	70.6	71.2	71.85												70.60	0.86
Чистая рентаб, %																				60.43	60.76	61.13	60.78	60.46	59.98	60.93	61.52	60.47	64.17			61.41	1.36
Operation Margin, %	56.97	58.93	57.52	59.91	58.7	62.19	62.2	58.98	63.11	46.39																						58.57	-5.69
Доходность FCF, %											6.9	-0.00042	3.8	2.16	-1.76	1.66	1.75	-0.4438	3.02	-1.09												0.9792	-191.93

Coefficients

IFRS

Reporting Annual Quarterly

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
P/E		1950.48	28.22	31.87	29.59	23.73	29.99	25.79	20.82	19.04		19.04		23.87	-4.31
P/BV		305.11	4.62	6.76	5.87	4.33	6.57	4.41	3.24	3.05		3.05		4.32	-6.77
P/S		1042.46	16.22	19	15.45	12.17	17.25	15.48	12.61	11.77		11.77		13.86	-0.67
P/FCF		865.38	44.78	25.46	54.17	10.71	25.18	77.16		0	0	0		38.54	24.83
E/P		0.000513	0.0354	0.0314	0.0338	0.0421	0.0333	0.0388		0	0	0		0.0359	4.32
EV/EBIT					7.99	9.01	17.76			0	0	0		11.59	30.51
EV/EBITDA					7.3	8.23	16.61							10.71	31.53
EV/S					4.65	5.15	11.39			0	0	0		7.06	34.80
EV/FCF					16.32	4.53	16.63			0	0	0		12.49	0.63
Debt/EBITDA					0.1044	0.0872	0.0528			0	0	0		0.0815	-20.33
Netdebt/Ebitda	-7.26	-8.07	-6.21	-6.92	-5.68	-5.82	-3.75			0	0	0		-5.6760	-9.60
Debt/Ratio					0.0034	0.0024	0.0015			0	0	0		0.0024	-23.87
Debt/Equity					0.0253	0.0194	0.0138			0	6.91	6.91		1.74	306.53
Debt/Net Income					0.1274	0.1065	0.0629			0	0	0		0.0989	-20.96
PEG											11.98	11.98		11.98	0.00
Бета										1.62	-0.3829	-0.3829		0.6186	-148.62
Индекс Альтмана	0.9822	56.09	0.9966	1.19	1.04	0.7289	0.9212			0	0.1049	0.1049		0.7970	-38.48

	2020Q2	2020Q3	2020Q4	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	Industry average	5 quarters average	CAGR 5
P/E							138.54	147.62	113.72	79.53	16.11	20.82	19.5	18.66	18.98	19.04				19.40	-1.77
P/BV							8.26	7.79	5.91	4.02	2.66	3.24	3.04	2.79	2.96	3.05				3.02	-1.20
P/S							82.04	87.71	67.75	48.06	9.79	12.61	11.81	11.33	11.53	11.77				11.81	-1.37
P/FCF	14.49	-238037.35	26.31	46.29	-56.82	60.4	57.1	-225.34	33.15	-92.05										-33.3480	-208.79
E/P	0.0109	0.0106	0.011	0.01	0.0088	0.008	0.0072	0.0068	0.0088	0.0126										0.0087	9.51
Netdebt/Ebitda	-24.45	-20.08	-19.98	-17.67	-14.67	-13.68	-13.79	-11.48	-13.19	-11.34										-12.6960	-3.68
Debt/Equity																		6.91		6.91	0.00
PEG																		11.98		11.98	0.00
Бета																	-1.11	-0.3829		-0.7465	-41.27
Индекс Альтмана			0.6915	0.7387	0.8423	0.9158	1.02	1.04	0.7604	0.4856							0	0.1049		0.6822	-36.55

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	3.13	2.03	2.83	4.86	7.31	7.41	3.75	6	9.6	9.6					7.27	5.32
Дивиденд			0.7109	1.22	3.83	2.34	0.9375	1.5		2.4	2.4	1.46	2.71		1.74	9.26
Див доход, ао, %			0.0179	1.89	4.67	3.12	1.49	1.36		3.37	2.71	3.93	3.32		2.57	21.41
Дивиденды / прибыль, %			34.79	53.27	71.02	72.91	35.39	40.69	55.97	57.76	48.68		48.68		47.70	6.58

	2017Q3	2018Q1	2018Q3	2019Q2	2019Q3	2020Q1	2020Q2	2020Q3	2020Q4	2021Q1	2021Q2	2021Q3	2021Q4	2023Q1	2023Q3	2024Q3	Industry average	5 quarters average	CAGR 5
Див.выплата, млрд						3.75	3.75	2.5	2.5	2.5	2.5	3.5	6		4.6	5		4.32	14.87
Дивиденд	0.6094	1.02	2.81	1.41	0.9375	0.9375				0.625		0.875		1.25	1.15			0.9675	4.17
Див доход, ао, %	0.9309	1.4	3.27	1.92	1.42	1.52				0.7505		0.7426		1.65	1.6			1.25	1.03
Дивиденды / прибыль, %						157.55	153.93	94.06	80.09	74.95	69.35	92.26	149.54		110.7	97.97		103.96	7.15

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