Banque Saudi Fransi Website

Banque Saudi Fransi

SASE-1050

Basic

  • Market Cap

    SAR 41.71B

  • EV

  • Shares Out

    1,196.8M

  • Revenue

    SAR 7,872.79M

  • Employees

    3,189

Margins

  • Gross

  • EBITDA

  • Operating

  • Pre-Tax

    60.85%

  • Net

    54.57%

  • FCF

    -104.21%

Returns (5Yr Avg)

  • ROA

    1.37%

  • ROTA

    7.93%

  • ROE

    7.93%

  • ROCE

  • ROIC

    1.49%

Valuation (TTM)

  • P/E

  • P/B

  • EV/Sales

  • EV/EBITDA

  • P/FCF

  • EV/Gross Profit

Valuation (NTM)

  • Price Target

    SAR 43.73

  • P/E

  • PEG

  • EV/Sales

  • EV/EBITDA

  • P/FCF

Financial Health

  • Cash

  • Net Debt

    SAR 22.88B

  • Debt/Equity

  • EBIT/Interest

Growth (CAGR)

  • Rev 3Yr

    20.39%

  • Rev 5Yr

    7.33%

  • Rev 10Yr

  • Dil EPS 3Yr

    39.77%

  • Dil EPS 5Yr

    26.27%

  • Dil EPS 10Yr

    4.73%

  • Rev Fwd 2Yr

    4.62%

  • EBITDA Fwd 2Yr

  • EPS Fwd 2Yr

    7.63%

  • EPS LT Growth Est

    8.48%

Dividends

  • Yield

  • Payout

    57.44%

  • DPS

    SAR 1.95

  • DPS Growth 3Yr

    69.56%

  • DPS Growth 5Yr

    2.78%

  • DPS Growth 10Yr

    20.58%

  • DPS Growth Fwd 2Yr

    5.73%

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

7,369.5

6,284.8

6,193.7

8,307.2

13,218

14,043.1

Interest Income On Investments

2.4

1.2

1.5

13.4

15.2

15.5

Interest Income, Total

7,372

6,286

6,195.2

8,320.6

13,233.2

14,058.6

Interest On Deposits

2,163.9

1,044.4

495.1

1,880.6

5,382.8

6,213.3

Interest Expense, Total

2,163.9

1,044.4

495.1

1,880.6

5,382.8

6,213.3

Net Interest Income

5,208.1

5,241.6

5,700.1

6,440

7,850.4

7,845.2

Income From Trading Activities

92.2

167.9

171.8

201.7

114

142.7

Gain (Loss) on Sale of Assets

0.5

0.4

0.9

0.2

0.2

0.2

Gain (Loss) on Sale of Invest. & Securities

73.8

156.5

145.6

7.7

58.1

-16.7

Total Other Non Interest Income

1,540.3

1,624.3

1,227.2

1,371.9

1,375.6

1,363.7

Non Interest Income, Total

1,706.8

1,949.1

1,545.6

1,581.5

1,547.9

1,490

Revenues Before Provison For Loan Losses

6,914.9

7,190.6

7,245.8

8,021.4

9,398.4

9,335.2

Provision For Loan Losses

1,008.6

2,816.3

961.4

1,363.9

1,668.8

1,462.4

Total Revenues

5,906.3

4,374.3

6,284.3

6,657.5

7,729.5

7,872.8

Total Revenues % Chg.

5.5%

-25.9%

43.7%

5.9%

16.1%

12.6%

Salaries And Other Employee Benefits

1,312.9

1,393.1

1,373.9

1,468.9

1,695

1,729.1

Occupancy Expense

211.3

210.3

225

221.4

250.7

258.8

Selling General & Admin Expenses, Total

763

760.8

848.1

963.2

1,076

1,094.6

(Income) Loss on Equity Invest.

Total Other Non Interest Expense

Non Interest Expense, Total

2,287.2

2,364.1

2,446.9

2,653.6

3,021.7

3,082.5

EBT, Excl. Unusual Items

3,619.1

2,010.2

3,837.4

4,003.9

4,707.8

4,790.3

EBT, Incl. Unusual Items

3,619.1

2,010.2

3,837.4

4,003.9

4,707.8

4,790.3

Income Tax Expense

504.2

464

387.5

428.8

485.1

494

Earnings From Continuing Operations

3,115

1,546.2

3,449.9

3,575.1

4,222.7

4,296.3

Net Income

3,115

1,546.2

3,449.9

3,575.1

4,222.7

4,296.3

Preferred Dividend and Other Adjustments

58.8

204.4

224.9

224.6

224.6

Net Income to Common Incl Extra Items

3,115

1,487.4

3,245.5

3,350.2

3,998.1

4,071.7

Net Income to Common Excl. Extra Items

3,115

1,487.4

3,245.5

3,350.2

3,998.1

4,071.7

Total Shares Outstanding

1,199.3

1,199.3

1,199.6

1,199.2

1,197.4

1,196.8

Weighted Avg. Shares Outstanding

1,200

1,200

1,200

1,200

1,200

1,199.3

Weighted Avg. Shares Outstanding Dil

1,200

1,200

1,200

1,200

1,200

1,199.3

EPS

2.6

1.2

2.7

2.8

3.3

3.4

EPS Diluted

2.6

1.2

2.7

2.8

3.3

3.4

Effective Tax Rate

13.9%

23.1%

10.1%

10.7%

10.3%

10.3%