SR: 1150 - Alinma Bank

Yield per half year: -1.3%
Dividend yield: +2.91%
Sector: Financials

Reporting Alinma 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		180 114.19	39.78	40.31	7 786.77	31.6	41.81	47.54	35.09	41.29	70.3
Выручка, млрд SR			2.62	2.95	3.21	4.32	4.77	5.6	5.73	6.65	7.97	9.69
Чистая прибыль, млрд SR			1.26	1.47	1.5	2.01	2.52	2.82	1.97	2.71	3.6	4.84
EV, млрд SR								19.92	66.83	71.62	104.18	161.07
EBIT, млрд SR	0.7332	1	1.26	1.47	1.5	2.01	2.52	2.82	2.2	3.02
EBITDA, млрд SR	0.8834	1.16	1.42	1.63	1.67	2.21	2.7	3.09	2.45	3.27
Баланс стоимость, млрд SR			17.94	18.35	19.18	20.6	21.3	22.44	24.43	30.71	31.88	34.33
FCF, млрд SR			4.07	2.1	5	-3.9	0.026	1.56	7.78	-3.03	7.74	8.9
Операционный денежный поток, млрд SR			4.3	2.35	5.27	-3.56	0.2244	1.83	7.94	-2.84	-15.91	9.38
Операционная прибыль, млрд SR		1.02	1.27	1.48	1.52	2.02	2.52	2.83
Операционные расходы, млрд SR	0.925	0.9897	1.18	1.27	1.5	1.74	1.86	2.08	2.12	2.37
CAPEX, млрд SR			0.2254	0.2461	0.2737	0.3384	0.1985	0.2673	0.162	0.1908	0.4648	0.4866

	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											31.04	30.45	32.1	33.1	38.61	45.13	48.33	63.13	75.41	73.31
Выручка, млрд SR																			1.94	2.08	2.14	2.17	2.44	2.54	2.54	2.57	2.74	2.82
Чистая прибыль, млрд SR																			0.9251	0.989	0.8603	0.9699	1.23	1.32	1.32	1.31	1.42	1.57
EV, млрд SR																								140.09	161.07	166.89	163.92
EBIT, млрд SR											0.6361	0.715	0.4393	0.7156	0.792	0.8229	0.691	0.9196	1.03	1.1
EBITDA, млрд SR											0.7	0.7743	0.5032	0.7765	0.8529	0.8861	0.7572	0.9856	1.1	1.17
Баланс стоимость, млрд SR																			31.47	31.3	31.88	33.16	32.98	33.46	34.33	39.35	40.04	41.16
FCF, млрд SR																			3.45	0.1608	0.7826	5.72	4.7	-2.31	-0.3126	-3.44	5.09	0.1816
Операционный денежный поток, млрд SR																			3.54	0.2848	-12.15	-13.17	-13.17	-2.15	-0.0574	-3.33	5.24	0.3972
Операционная прибыль, млрд SR	0.5439	0.5598	0.5771	0.6247	0.6593	0.6615	0.711	0.7557	0.7953	0.5653
Операционные расходы, млрд SR											0.5153	0.5466	0.5444	0.5556	0.5206	0.6178	0.6841	0.6423	0.6632	0.7095
CAPEX, млрд SR																			0.0856	0.124	0.1846	0.0542	0.0542	0.1607	0.2552	0.1175	0.1511	0.2156

	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			4.45	5.34	6.84	7.22	15.65	10.13	9.33	9.59	10.66	13.08
Long term investments SR			7.92	6.38	6.16	15.32	16.49	21.57	24.62	32.37	37.62	41.75
Total Receivables SR		0.5546	0.4826	0.6523	4.96	1.6	0.2552	0.1952	0.3958	0.4282	0.4757
Total Current Assets SR		56.13	71.28	80.63	96.83	97.81	16.53	13.2	15.8	13.05	13.74
Чистые активы, млрд SR		1.47	1.54	1.63	1.74	1.88	1.64	2.13	2.1	2.1	1.94
Активы, млрд SR			80.86	88.72	104.73	115.01	121.33	131.84	156.88	173.48	200.44	236.72
Short Term Debt SR		0.2007	0.0327	2.26	2.43	1.35
Long Term Debt SR										0.382
Задолженность, млрд SR			62.92	70.37	85.55	94.41	100.04	109.39	132.45	142.77	168.56	202.38
Чистый долг, млрд SR			22.38	23.77	29.6	35.77	-15.65	-9.71	41.23	32.19	52.02	84.26
Долг, млрд SR								0.4163	50.57	41.77
Амортизация, млрд SR	0.1503	0.1541	0.1536	0.1607	0.1639	0.1996	0.1782	0.2733	0.2513	0.2512
Товарно материальные запасы SR		0.09	0.0803	0.2559	0.3892	0.4368	0.4429	0.4877	0.4746	0.2444	0.4359

	2010Q3	2011Q3	2012Q3	2016Q4	2017Q1	2017Q2	2017Q3	2017Q4	2018Q1	2018Q2	2018Q4	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																						11.8	10.93	10.66	16.47	20.22	16.96	13.08	13.56	17.2	17.45
Long term investments SR																			31.89	32.37	36.03	37.72	38.27	37.62	39.88	40.12	40.97	41.75
Total Receivables SR												1.69	0.1952			0.3958	0.0501	0.1815	0.8915	0.4282		0.8275	0.1872	0.4757
Total Current Assets SR																15.8	12.77	12.64	12.36	13.05	13.73	14.34	12.4	13.74		22.66
Чистые активы, млрд SR																1.69	2.33	2.32	2.31	2.1	2.42	2.45	2.51	1.94		2.64
Активы, млрд SR																						184.62	193.23	200.44	213.75	226.9	232.59	236.72	244.86	260.14	266.98
Short Term Debt SR				2.43	1.47	3.85	2.09	1.35	1.12	4.89
Задолженность, млрд SR																						153.15	161.93	168.56	180.59	193.92	199.12	202.38	205.51	220.1	225.83
Чистый долг, млрд SR																						26.15	34.67	52.02	58.77	70.49	73.29	84.26	79.65	84.3	84.24
Расходы на обслуживание долга SR	0.0096	0.0175	0.0338
Амортизация, млрд SR														0.0639	0.0593	0.0639	0.0609	0.0609	0.0632	0.0661	0.066	0.0686	0.0703
Товарно материальные запасы SR				0.3892				0.4368			0.4429		0.4877			0.4746				0.2444				0.4359

	5 quarters average	CAGR 5

Share

IFRS

Reporting Annual Quarterly

	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	5 year average	CAGR 5
EPS	0.23	0.99	1.01	1.35	1.27	1.28	1.35	1.31	1.73	1.95
Цена акции ао				19.16	22.98	25.35	16.18	23.96	32.55	38.65	28.95	30.4	30.4
Число акций ао, млн	1986.67	1986.67	1986.67	1986.67	1986.67	1986.67	1987.4	1987.6	1990.1	2484.08
FCF/акцию	2.05	1.06	2.52	-1.96	0.0131	0.786	3.91	-1.52	3.89	3.58

	2020Q2	2020Q3	2020Q4	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	5 quarters average	CAGR 5
EPS								0.41	0.44	0.48	0.4	0.46	0.62	0.5296	0.5315	0.5293	0.5703
Цена акции ао						22.7	24.32	31.75	37.91	36.84	35.05	30.76	32.27	35.53	34.94
Число акций ао, млн	1987	1987	1987.4	1987.4	1987.6	1987.6	1987.6	1988	1989.2	1990.1
FCF/акцию					0.9034	-1.5	0.5296	1.68	1.74	0.0808				-0.9242	-0.1258	-1.39	2.05

	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, %		7.05	8.01	7.83	9.77	11.82	12.55	8.05	8.82	11.29	14.62
ROA, %		1.56	1.66	1.43	1.75	2.07	2.14	1.25	1.56	1.8	2.21
ROIC, %							18.19	4.34	6.07
ROS, %					46.56	52.76	50.26	34.28	40.74	45.17	49.96	0	0	0
ROCE, %		7.05	8.01	7.83	9.77	11.82	12.55	9.01	9.84				0	0
Ebit margin, %							50.26	38.39	45.43				0	0
Рентаб EBITDA, %		54.12	55.25	51.9	51.18	56.5	55.13	42.77	49.21				0	0
Чистая рентаб, %		48.26	49.81	46.8	46.56	52.76	50.26	34.28	40.74	45.17	49.96
Operation Margin, %	44.54	48.6	50.18	47.2	46.69	52.87	50.45					0	0	0
Доходность FCF, %	-0.000421	10.24	5.21	0.0642	-12.35	0.0621	3.28	22.16	-7.34	11.01

	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, %																			2.94	3.16	2.7	2.92	3.71	4.06	3.98	3.84	3.94	4.16
ROA, %																			0.5011	0.5118	0.4292	0.4537	0.5399	0.5763	0.5627	0.546	0.561	0.5962
ROS, %																			47.67	47.46	40.24	44.61	50.27	52.22	51.98	51.23	51.72	55.76
ROCE, %											2.72	2.97	1.8	2.85	3.14	2.73	2.25	2.92	3.28	3.52
Рентаб EBITDA, %											51.99	52	30.84	47.88	51.7	51.41	45.38	54.6	56.69	56.29
Чистая рентаб, %																			47.67	47.46	40.24	44.61	50.27	52.22	51.98	51.23	51.72	55.76
Operation Margin, %	51.64	43.93	52	50.95	54.87	53.62	58.07	61.81	59.68	50.02
Доходность FCF, %											-4.1	10.83	9.21	-8.74	4.65	-6.62	2.18	5.29	4.58	0.2193

	Industry average	5 quarters average	CAGR 5

Coefficients

IFRS

Reporting Annual Quarterly

	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
P/E	31.46	27.42	5183.33	15.71	16.61	16.88	17.85	15.24	19.53	15.87
P/BV	2.22	2.2	406.02	1.53	1.96	2.12	1.44	1.34	2.21	2.24
P/S	15.18	13.66	2425.68	7.31	8.76	8.48	6.12	6.21	8.82	7.93
P/FCF			1557.18	-8.1	1610.63	30.44	4.51	-13.63	9.08		0	0	0
E/P			0.000193	0.0637	0.0602	0.0592	0.056	0.0656	0.0512		0	0	0
EV/EBITDA						6.45	27.24	21.88
EV/EBIT						7.07	30.35	23.7			0	0	0
EV/S						3.56	11.65	10.77	13.08	16.63	0	0	0
EV/FCF						12.76	8.59	-23.64	13.46	18.1	0	0	0
Debt/EBITDA						0.1347	20.61	12.76			0	0	0
Netdebt/Ebitda		14.58	17.76	16.18	-5.81	-3.14	16.81	9.83			0	0	0
Debt/Ratio						0.0032	0.3223	0.2408			0	0	0
Debt/Equity						0.0185	2.07	1.36			0	0	0
Debt/Net Income						0.1478	25.72	15.42			0	0	0
Бета											-0.5388	-0.7894	-0.7894
Индекс Альтмана		0.7034	89.36	0.4866	0.4925	0.4511	0.4047	0.4473			0	0	0

	2020Q2	2020Q3	2020Q4	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2023Q3	2023Q4	2024Q1	2024Q2	2025Q1	Industry average	5 quarters average	CAGR 5
P/E					54.36	61.14	78.06	76.54	81.51	74.12	13.63	15	15.94	14.83
P/BV					1.53	1.5	1.57	2	2.4	2.34	2	2.24	2.22	1.99
P/S					23.41	26.18	28.97	34.97	38.86	35.18	6.41	7.5	8.19	7.68
P/FCF	-24.41	9.23	10.86	-11.45	21.5	-15.11	45.91	18.89	21.84	455.9
E/P	0.0184	0.0207	0.0123	0.0194	0.0184	0.0164	0.0128	0.0131	0.0123	0.0135
EV/S											55.26	63.42	65.03	59.85
EV/FCF											-60.63	-515.34	-48.45	32.18
Netdebt/Ebitda	-13.76	-16.19	81.95	-13.58	-12.1	-11.31	42.51	-11.21	23.77	29.56
Бета															-0.7894
Индекс Альтмана		0.1695	0.2946	0.1475	0.1808	0.2203	0.4025	0.3249	0.5836	0.5368					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	1.08	1.08	0.7871	0.787	1.19	1.49	1.34	1.29	1.69	2.09
Дивиденд		0.3	0.3	0.3	0.48	0.6		0.52	0.68	1.58	0.8	0.8
Див доход, ао, %		1.48	0.0077	1.89	2.28	2.51		2.5	1.93	5.52	2.63	2.91
Дивиденды / прибыль, %	85.5	73.55	52.39	39.13	47.35	52.9	68.26	47.68	46.99	43.2

	2017Q2	2018Q2	2019Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q3	Industry average	5 quarters average	CAGR 5
Див.выплата, млрд						0.05	0.05	0.8451	0.8961	1.49	1.49	1.49	0.5962	0.5962	0.6214
Дивиденд	0.3	0.48	0.6	0.24	0.28			0.32	0.36			1.1	0.24	0.24
Див доход, ао, %	2.07	2.29	2.49	1.24	1.23			0.8442	0.9773			3.41	0.6755	0.6869
Дивиденды / прибыль, %						8.08	6.06	91.36	90.61	173.68	154.05	121.96	45.03	45.15	39.54

	Industry average	5 quarters average	CAGR 5

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