Riyad Bank Website

Riyad Bank

SASE-1010

Basic

  • Market Cap

    SAR 75.47B

  • EV

  • Shares Out

    2,995M

  • Revenue

    SAR 14.17B

  • Employees

    6,261

Margins

  • Gross

  • EBITDA

  • Operating

  • Pre-Tax

    63.75%

  • Net

    57.17%

  • FCF

    -213.65%

Returns (5Yr Avg)

  • ROA

    1.94%

  • ROTA

    13.16%

  • ROE

    13.16%

  • ROCE

  • ROIC

    2.25%

Valuation (TTM)

  • P/E

  • P/B

  • EV/Sales

  • EV/EBITDA

  • P/FCF

  • EV/Gross Profit

Valuation (NTM)

  • Price Target

    SAR 34.18

  • P/E

  • PEG

  • EV/Sales

  • EV/EBITDA

  • P/FCF

Financial Health

  • Cash

  • Net Debt

    -SAR 23.78B

  • Debt/Equity

  • EBIT/Interest

Growth (CAGR)

  • Rev 3Yr

    16.42%

  • Rev 5Yr

    10.86%

  • Rev 10Yr

  • Dil EPS 3Yr

    19.3%

  • Dil EPS 5Yr

    16.33%

  • Dil EPS 10Yr

    6.7%

  • Rev Fwd 2Yr

    5.52%

  • EBITDA Fwd 2Yr

    2.06%

  • EPS Fwd 2Yr

    5.28%

  • EPS LT Growth Est

    5.78%

Dividends

  • Yield

  • Payout

    53.86%

  • DPS

    SAR 1.4

  • DPS Growth 3Yr

    40.95%

  • DPS Growth 5Yr

    12.7%

  • DPS Growth 10Yr

    6.8%

  • DPS Growth Fwd 2Yr

    3.41%

Select a metric from the list below to chart it

Dec '14

Dec '15

Dec '16

Dec '17

Dec '18

Dec '19

Dec '20

Dec '21

Dec '22

Dec '23

LTM

Dec '24 (E)

Dec '25 (E)

Dec '26 (E)

Interest Income On Loans

10,371.4

9,813.4

9,108.1

12,907.6

20,606.1

21,643.7

Interest Income On Investments

102.9

102.5

127

79.9

40.8

40.9

Interest Income, Total

10,474.3

9,915.9

9,235.1

12,987.4

20,646.9

21,684.6

Interest On Deposits

2,534.4

1,599.8

814.9

2,855.1

8,191.8

9,266.9

Interest Expense, Total

2,534.4

1,599.8

814.9

2,855.1

8,191.8

9,266.9

Net Interest Income

7,939.9

8,316.1

8,420.1

10,132.3

12,455.1

12,417.7

Income From Trading Activities

132.8

218.3

196.7

219

419.9

400.9

Gain (Loss) on Sale of Assets

0.2

0.2

0.4

21.3

20.6

20.6

Gain (Loss) on Sale of Invest. & Securities

303.5

260.9

405.6

-131.3

-139.9

-112.5

Total Other Non Interest Income

2,388.7

2,299.5

2,543.1

3,105

3,046.8

3,149

Non Interest Income, Total

2,825.2

2,778.8

3,145.8

3,213.9

3,347.5

3,458

Revenues Before Provison For Loan Losses

10,765.1

11,094.9

11,565.9

13,346.3

15,802.6

15,875.7

Provision For Loan Losses

1,012.3

2,061.7

850.8

1,027.4

1,875.5

1,709.6

Total Revenues

9,752.8

9,033.2

10,715.2

12,318.9

13,927.2

14,166.1

Total Revenues % Chg.

21.7%

-7.4%

18.6%

15%

13.1%

9.9%

Salaries And Other Employee Benefits

1,879

1,939.4

2,092.3

2,257.5

2,542.2

2,627.9

Occupancy Expense

439

488.3

493.2

540.5

695.4

724.2

Selling General & Admin Expenses, Total

1,235.9

1,152.7

1,326.5

1,531.7

1,683.5

1,743.7

(Income) Loss on Equity Invest.

-153.3

-19.4

32.5

80.2

-12.3

-16.8

Total Other Non Interest Expense

120.2

54.1

52.6

80.4

47.6

56.9

Non Interest Expense, Total

3,520.7

3,615.2

3,997.1

4,490.4

4,956.4

5,135.8

EBT, Excl. Unusual Items

6,232.1

5,418

6,718.1

7,828.4

8,970.8

9,030.3

Other Unusual Items

66

EBT, Incl. Unusual Items

6,232.1

5,484

6,718.1

7,828.4

8,970.8

9,030.3

Income Tax Expense

630

769

692.7

809.1

925

931.3

Earnings From Continuing Operations

5,602.1

4,715

6,025.4

7,019.3

8,045.8

8,099

Net Income

5,602.1

4,715

6,025.4

7,019.3

8,045.8

8,099

Preferred Dividend and Other Adjustments

64.7

319

318.2

Net Income to Common Incl Extra Items

5,602.1

4,715

6,025.4

6,954.6

7,726.8

7,780.7

Net Income to Common Excl. Extra Items

5,602.1

4,715

6,025.4

6,954.6

7,726.8

7,780.7

Total Shares Outstanding

3,000

3,000

3,000

3,000

2,995

2,995

Weighted Avg. Shares Outstanding

3,000

3,000

3,000

3,000

2,994.9

2,993.6

Weighted Avg. Shares Outstanding Dil

3,000

3,000

3,000

3,000

2,994.9

2,993.6

EPS

1.9

1.6

2

2.3

2.6

2.6

EPS Diluted

1.9

1.6

2

2.3

2.6

2.6

Effective Tax Rate

10.1%

14%

10.3%

10.3%

10.3%

10.3%