SR: 1140 - Bank Albilad

Yield per half year: +1.78%
Dividend yield: +3.06%
Sector: Financials

Reporting Bank Albilad

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		67 955.22	37.59	71.58	2 944.14	14.11	17.7	20.27	17.96	28.24	51.37				27.11	23.75
Выручка, млрд SR					2.46	2.86	3.38	3.95	4.26	4.58	5.17	5.3	5.65	5.65	4.99	5.81
Чистая прибыль, млрд SR					0.8077	0.942	1.11	1.24	1.35	1.69	2.08	2.37	2.81	2.81	2.06	15.79
EV, млрд SR					2 935.68	4.73		6.4	11.36	20.3					595.69	-63.02
EBIT, млрд SR	0.9418	0.7292	0.864	0.7884	0.8077	0.942	1.11	1.39	1.5	1.88					1.36	14.82
EBITDA, млрд SR	1.03	0.8177	0.9598	0.8896	0.9041	1.05	1.22	1.64	1.76	2.16					1.57	15.52
Баланс стоимость, млрд SR					7.28	7.59	7.83	9.43	10.73	11.98	13.4	15.26	16.69	16.69	13.61	9.24
FCF, млрд SR					-0.1151	1.76	2.8	0.5345	1.34	2.44	8.5	-0.2023	7.26	7.26	3.87	40.21
Операционный денежный поток, млрд SR					-0.0083	1.93	3.18	0.8492	1.6	2.6	-4.91	0.1087	7.71	7.71	1.42	36.96
Операционная прибыль, млрд SR		0.7292	0.864	0.7884	0.809	0.9362	1.11	1.39							1.01	12.01
Операционные расходы, млрд SR	0.8935	1.02	1.24	1.41	1.55	1.64	1.82	2.02	2.07	2.13					1.94	5.37
CAPEX, млрд SR					0.1068	0.1702	0.3796	0.3146	0.2588	0.1586	0.317	0.311	0.4533	0.4533	0.2997	11.86

	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	2024Q4	5 quarters average	CAGR 5
Капитализация, млрд SR														21.36	24.04	19.35	30.27	36.36	39.81	32.79	56.26	50.46	49.13										45.69	4.30
Выручка, млрд SR																							1.33	1.33	1.34	1.29	1.34	1.34	1.34	1.41	1.45	1.46	1.40	1.73
Чистая прибыль, млрд SR																							0.5406	0.5397	0.5599	0.5859	0.6162	0.607	0.6431	0.6708	0.7027	0.7899	0.6827	5.41
EV, млрд SR	5.13	10.08	9.9	9.68	4.93	12.3	13.36																										10.03	6.18
EBIT, млрд SR														0.3542	0.4261	0.4207	0.4379	0.4639	0.5013	0.4771	0.5466	0.5697	0.6027										0.5395	3.75
EBITDA, млрд SR														0.4188	0.4966	0.4835	0.5063	0.5322	0.5707	0.5475	0.6158	0.6405	0.6794										0.6108	3.55
Баланс стоимость, млрд SR																							13.03	13.4	14.08	14.17	14.61	15.26	15.7	15.81	16.13	16.69	15.92	1.81
FCF, млрд SR																							3.51	3.08	0.3555	-3.02	-0.6156	4.3	-0.3305	2.47	6.47	-1.35	2.31	-179.32
Операционный денежный поток, млрд SR																							3.59	2.22	-10.23	-3.76	-0.5188	4.41	-0.2182	2.57	6.59	-1.23	2.42	-177.46
Операционная прибыль, млрд SR				0.246	0.2259	0.2561	0.2759	0.287	0.2915	0.3165	0.339	0.3649	0.3663																				0.3356	4.67
Операционные расходы, млрд SR														0.4948	0.5271	0.544	0.5256	0.5308	0.5306	0.5484	0.5584	0.5627	0.5907										0.5582	2.17
CAPEX, млрд SR																							0.0829	0.0999	0.0555	0.0588	0.0968	0.1057	0.1123	0.099	0.1157	0.1263	0.1118	3.63

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					12.48	13.4	14.77	11.96	7.92	8.23	14.78	15.15	16.35	16.35	12.49	15.60
Long term investments SR			1.64	2.95	3.08	5.14	6.47	10.99	14.87	17.09	20.6	22.11			17.13	15.01
Total Receivables SR		0.042	0.0627	0.0395	0.0416	0.0402	0.0634	0.1202	0.1237	0.1471	0.9327				0.2774	71.21
Total Current Assets SR		11.19	14.38	13.12	12.93	13.87	15.66	13.03	9.25	9.45	16				12.68	0.43
Чистые активы, млрд SR		0.7622	0.7984	0.7921	0.8024	0.8754	1.15	1.87	1.9	1.93	2.1				1.79	12.80
Активы, млрд SR					53.89	63.21	73.64	86.08	95.74	110.85	129.54	143.11	154.96	154.96	126.84	10.11
Short Term Debt SR					2.01	2.01									2.01	0.00
Long Term Debt SR					2.01	2.01	2.01	2.01	0.4496	0.4834					1.39	-24.80
Задолженность, млрд SR					46.57	55.62	65.8	76.65	85.01	98.87	116.14	127.85	138.27	138.27	113.23	10.22
Чистый долг, млрд SR	-9.51	-10.34	-13.25	-12.98	-10.47	-11.39	-12.76	-9.42	-5.47	-4.73					-8.7540	-16.12
Долг, млрд SR					4.01	4.01		2.54	2.45	3.5					3.30	-2.68
Амортизация, млрд SR	0.088	0.0885	0.0958	0.1012	0.0963	0.1052	0.1081	0.2489	0.2604	0.2765					0.1998	21.32

	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	2024Q4	5 quarters average	CAGR 5
Наличность, млрд SR																							12.75	14.78	15.08	10.96	11.17	15.15	13.91	14.6	20.23	16.35	16.05	1.54
Long term investments SR																			17.34	17.09	17.98	18.27	19.05	20.6	21.32	22.42	21.58	22.11					21.61	1.42
Total Receivables SR																	1.52	0.57	0.3706	0.1471	3.25	0.7099	0.8255	0.9327	1.32	3.21							1.40	35.23
Total Current Assets SR																9.25	9.74	9.46	10.29	9.45	9.44	10.11	13.59	16	16.16								13.06	11.35
Чистые активы, млрд SR																	1.87	1.86	1.88	1.93	1.95	1.97	2.05	2.1	2.13	2.12							2.07	1.48
Активы, млрд SR																							127.02	129.54	135.37	135.4	137.57	143.11	143.7	145.29	153.72	154.96	148.16	1.60
Short Term Debt SR	2.01	2.01	2.01	2.01	2.01	2.01	2.01																										2.01	0.00
Long Term Debt SR				2.01	2.01	2.01	2.01	2.01	2.01	2.01	2.01	2.01	2.01																				2.01	0.00
Задолженность, млрд SR																							113.99	116.14	121.29	121.23	122.96	127.85	128	129.48	137.59	138.27	132.24	1.58
Чистый долг, млрд SR														-6.33	-5.66	-5.47	-6.2	-4.44	-6.57	-4.73	-6.42	-6.3	-9.72										-6.7480	8.15
Долг, млрд SR	4.01	4.01	4.01	4.01	4.01	4.01	4.01																										4.01	0.00
Амортизация, млрд SR														0.0647	0.0705	0.0628	0.0684	0.0683	0.0693	0.0703	0.0692	0.0709	0.0766										0.0713	2.02

Share

IFRS

Reporting Annual Quarterly

	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	5 year average	CAGR 5
EPS	1.48	1.25	1.47	1.69	1.35	1.7	2.08	1.9	2.25		2.25	1.86	10.76
Цена акции ао		20.5	27.25	26.9	28.35	46.35	44.45	45.45	39.05	36.6	36.6	42.38	-4.61
Число акций ао, млн	750	745	745	746	746	749.51	1001.2	1250	1250		1250	999.34	10.88
FCF/акцию	-0.1535	2.36	3.76	0.7165	1.8	3.26	8.49	-0.1618	5.81		5.81	3.84	26.41

	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								0.49	0.51	0.54	0.54			0.4929	0.4856	0.5144	0.5367	0.5621	0.632		0.5462	5.41
Цена акции ао							43.75	56.48	50.36	49.07	49.13	41.17	39.65	41.79	39.1					36.6	39.66	-2.33
Число акций ао, млн	986.24	1000.28	746	994.67	990.68	999.34	749.51	996	1001.93	1001.2											949.60	0.04
FCF/акцию							-1.27	2.55	-0.6235	3.51				-0.4925	3.44	-0.2644	1.97	5.18	-1.08		1.85	-179.32

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, %				11.09	12.41	14.18	13.19	12.57	14.08	15.54	16.53	17.57		17.57		15.26	6.93
ROA, %				1.5	1.49	1.51	1.44	1.41	1.52	1.61	1.74	1.88		1.88		1.63	5.92
ROIC, %				11.4	12.26		13.53									12.40	5.88
ROS, %					32.96	32.84	31.52	31.64	36.79	40.24	44.67	49.64	49.64	49.64		44.20	6.17
ROCE, %		14.67	12.24	11.03	12.41	14.18	14.71	13.99	15.69				0	0		14.20	4.80
Ebit margin, %							35.15	35.23	41.02				0	0		37.13	5.28
Рентаб EBITDA, %		47.28	40.61	36.78	36.65	36.04	41.46	41.34	47.05				0	0		40.51	5.12
Чистая рентаб, %				32.86	32.96	32.84	31.52	31.64	36.79	40.24	44.67	49.64		49.64		40.60	9.43
Operation Margin, %	39.63	42.56	35.99	32.92	32.76	32.84	35.15					0	0	0		33.93	-0.47
Доходность FCF, %	0.0026	4.26	-0.2444	-0.0039	12.46	15.81	2.64	7.48	8.64	16.55						10.22	0.92

	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	2024Q4	2025Q2	Industry average	5 quarters average	CAGR 5
ROE, %																							4.15	4.03	3.98	4.13	4.44	4.24	4.36	4.43	4.52	4.97			4.50	3.23
ROA, %																							0.4256	0.4167	0.4136	0.4327	0.4514	0.4325	0.4484	0.4643	0.47	0.5118			0.4654	3.42
ROIC, %	4.62	4.67	4.77	3.69	3.5	4.23	4.4																												4.12	-1.60
ROS, %																								40.57	41.92	45.28	46.13	45.38	47.94	47.65	48.59	54.16	49.64		49.60	0.70
ROCE, %														3.59	4.13	3.92	4.04	4.06	4.22	3.98	4.43	4.52	4.62												4.35	1.83
Рентаб EBITDA, %														41.91	44.6	42.23	44.69	47.05	48.59	47.74	48.7	51.13	51.25												49.48	1.07
Чистая рентаб, %																							40.79	40.57	41.92	45.28	46.13	45.38	47.94	47.65	48.59	54.16			48.74	3.60
Operation Margin, %				32.25	33.1	32.38	32.74	32.61	33.59	34.35	35.34	35.64	35.19																						34.82	0.94
Доходность FCF, %														-3.39	1.02	4.82	4.76	-2.51	7.2	-2.91	4.51	-1.24	7.15												2.94	-0.14

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		3644.99	14.98	15.94	16.3	13.32	16.75	24.68	15.99	14.35		14.35		17.02	1.50
P/BV		404.37	1.86	2.26	2.15	1.67	2.36	3.83	2.48	2.41		2.41		2.55	7.61
P/S		1197.9	4.94	5.24	5.14	4.21	6.16	9.93	7.14	7.12		7.12		6.91	11.08
P/FCF		-25571.67	8.03	6.33	37.93	13.37	11.57	6.04		0	0	0		15.05	-0.93
E/P		0.000274	0.0667	0.0627	0.0613	0.0751	0.0597	0.0405		0	0	0		0.0599	-8.37
EV/EBIT					4.61	7.56	10.8			0	0	0		7.66	32.81
EV/EBITDA		3247.25	4.52		3.91	6.45	9.41							654.31	-68.92
EV/S		1194.46	1.66		1.62	2.67	4.43			0	0	0		240.97	-67.35
EV/FCF		-25498.14	2.69		11.97	8.46	8.32			0	0	0		-5093.3400	-120.08
Debt/EBITDA		4.44	3.83		1.55	1.39	1.62			0	0	0		2.57	-18.26
Netdebt/Ebitda	-14.6	-11.58	-10.87	-10.47	-5.76	-3.1	-2.2			0	0	0		-6.4800	-27.35
Debt/Ratio		0.0745	0.0635		0.0295	0.0256	0.0316			0	0	0		0.0449	-15.76
Debt/Equity		0.5513	0.5288		0.2695	0.2287	0.2921			0	8.28	8.28		1.92	73.36
Debt/Net Income		4.97	4.26		2.04	1.82	2.07			0	0	0		3.03	-16.07
PEG											21.19	21.19		21.19	0.00
Бета										1.55	4.56	4.56		3.05	71.52
Индекс Альтмана	1.76	65.63	0.3426	0.3562	0.2925	0.1421	0.1886			0	0.0994	0.0994		0.2158	-22.53

	2016Q4	2017Q1	2017Q2	2017Q3	2017Q4	2018Q1	2018Q2	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														76.61	114.74	98.75	90.86	15.53	14.26	15.33	13.82	15.64	14.35				14.68	0.13
P/BV														2.74	4.56	4	3.77	2.89	2.48	2.54	2.22	2.54	2.41				2.44	-0.57
P/S														28.59	44.49	40.28	37.06	6.73	6.35	7.07	6.46	7.42	7.12				6.88	2.32
P/FCF								-29.52	98.18	20.77	21.02	-39.91	13.89	-34.39	22.15	-80.77	13.99										-13.0260	0.14
E/P								0.0149	0.0159	0.0195	0.013	0.0114	0.0113	0.0131	0.0087	0.0101	0.011										0.0108	-0.54
EV/EBITDA	20.84	39.63	37.5	34.61	19.8	44.21	44.77																				36.18	3.61
EV/S	8.64	14.51	13.79	12.69	7.23	15.55	15.85																				13.02	2.82
EV/FCF	-4.29	43.22	18.6	12.26	24.33	16.97	-61.72																				2.09	-227.11
Debt/EBITDA	16.31	15.78	15.2	14.34	16.11	14.43	13.46																				14.71	-2.40
Netdebt/Ebitda								-15.12	-11.39	-11.31	-12.25	-8.34	-11.52	-8.65	-10.43	-9.83	-14.31										-10.9480	4.43
Debt/Ratio	0.0745	0.07	0.0672	0.0642	0.0635	0.061	0.0587																				0.0629	-2.67
Debt/Equity	0.5513	0.5476	0.5507	0.5294	0.5288	0.5198	0.5205																		8.28		2.08	73.32
Debt/Net Income	18.12	17.5	16.81	16.18	17.77	15.67	14.55																				16.20	-2.85
PEG																									21.19		21.19	0.00
Бета																								-0.2683	4.56		2.15	-512.26
Индекс Альтмана										0.0687	0.2058	0.186	0.2899	0.143	0.4314	0.3439	0.3715							0	0.0994		0.2778	-7.02

Dividends

IFRS

Reporting Annual Quarterly

	2013	2014	2015	2016	2017	2018	2019	2020	2022	2023	2024	LTM	Industry average	5 year average	CAGR 5
Див.выплата, млрд	0.2	0.2	0.2	0.48	0.48	0.24	0.3	0.375	0.5	1.13				0.5090	36.32
Дивиденд			0.16		0.384	0.192	0.24	0.3		0.4	1	1		0.4264	39.10
Див доход, ао, %			0.1676		2.03	0.808	0.8831	1.25		0.989	3.07	3.06		1.40	30.60
Дивиденды / прибыль, %			25.37	59.43	50.95	21.61	24.12	27.81	24.02	21.11	40.09	40.09		27.43	10.70

	2015Q2	2017Q2	2017Q4	2018Q2	2019Q3	2020Q2	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2024Q3	Industry average	5 quarters average	CAGR 5
Див.выплата, млрд							0.0577	0.0577	0.0577	0.0577	0.1592	0.1592	0.5	0.5	0.5	0.625		0.4568	31.46
Дивиденд	0.16	0.24	0.144	0.192	0.24	0.3									0.4			0.2552	22.67
Див доход, ао, %	0.1552	1.3	0.7495	0.817	0.872	1.38									1.01			0.9657	6.15
Дивиденды / прибыль, %							13.87	12.83	13.48	11.77	31.15	29.44	92.64	89.3	85.34	88.94		77.13	24.75

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