Al Rajhi Banking and Investment Corporation Website

Al Rajhi Banking and Investment Corporation

SASE-1120

Basic

  • Market Cap

    SAR 316B

  • EV

  • Shares Out

    4,000M

  • Revenue

    SAR 26.41B

  • Employees

    20,878

Margins

  • Gross

  • EBITDA

  • Operating

  • Pre-Tax

    71.26%

  • Net

    63.91%

  • FCF

    -116.35%

Returns (5Yr Avg)

  • ROA

    2.35%

  • ROTA

    19.13%

  • ROE

    19.07%

  • ROCE

  • ROIC

    2.73%

Valuation (TTM)

  • P/E

  • P/B

  • EV/Sales

  • EV/EBITDA

  • P/FCF

  • EV/Gross Profit

Valuation (NTM)

  • Price Target

    SAR 86.43

  • P/E

  • PEG

  • EV/Sales

  • EV/EBITDA

  • P/FCF

Financial Health

  • Cash

  • Net Debt

    -SAR 9,311.42M

  • Debt/Equity

  • EBIT/Interest

Growth (CAGR)

  • Rev 3Yr

    10.36%

  • Rev 5Yr

    10.07%

  • Rev 10Yr

  • Dil EPS 3Yr

    11.58%

  • Dil EPS 5Yr

    31.83%

  • Dil EPS 10Yr

    8.51%

  • Rev Fwd 2Yr

    10.54%

  • EBITDA Fwd 2Yr

  • EPS Fwd 2Yr

    13.19%

  • EPS LT Growth Est

    8.59%

Dividends

  • Yield

  • Payout

    57.33%

  • DPS

    SAR 2.3

  • DPS Growth 3Yr

    54.39%

  • DPS Growth 5Yr

    5.9%

  • DPS Growth 10Yr

    9.39%

  • DPS Growth Fwd 2Yr

    59.83%

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

16,962.6

17,378

21,441.5

28,201.6

38,737.6

40,772.3

Interest Income, Total

16,962.6

17,378

21,441.5

28,201.6

38,737.6

40,772.3

Interest On Deposits

534.9

464.9

1,049.6

6,028.9

17,468.5

18,981.6

Interest Expense, Total

534.9

464.9

1,049.6

6,028.9

17,468.5

18,981.6

Net Interest Income

16,427.7

16,913

20,391.9

22,172.7

21,269.1

21,790.7

Gain (Loss) on Sale of Assets

-1.9

8

47.5

1.3

9.9

9.9

Gain (Loss) on Sale of Invest. & Securities

21.6

33.4

-37.9

-208.8

32.1

32.1

Income (Loss) on Equity Invest.

23.5

42.9

32

20.2

87.9

87.9

Total Other Non Interest Income

3,013.6

3,723.9

5,282.8

6,589.6

6,132.5

6,059.4

Non Interest Income, Total

3,056.7

3,808.2

5,324.5

6,402.3

6,262.3

6,189.2

Revenues Before Provison For Loan Losses

19,484.5

20,721.3

25,716.4

28,575

27,531.4

27,979.9

Provision For Loan Losses

1,772.3

2,165.7

2,345.1

2,001.3

1,504.2

1,566.6

Total Revenues

17,712.2

18,555.5

23,371.3

26,573.8

26,027.2

26,413.3

Total Revenues % Chg.

12.2%

4.8%

26%

13.7%

-2.1%

-0.8%

Salaries And Other Employee Benefits

2,794

2,977.3

3,132.3

3,395.2

3,525.1

3,588.9

Occupancy Expense

1,059.6

1,118.1

1,141.9

1,291.1

1,578

1,665.2

Selling General & Admin Expenses, Total

2,532.2

2,646.4

2,652.2

2,724.4

2,394.8

2,337.4

Non Interest Expense, Total

6,385.8

6,741.9

6,926.5

7,410.7

7,497.9

7,591.6

EBT, Excl. Unusual Items

11,326.4

11,813.6

16,444.8

19,163.1

18,529.3

18,821.7

Total Merger & Related Restructuring Charges

-1.4

Asset Writedown

-39

EBT, Incl. Unusual Items

11,326.4

11,813.6

16,444.8

19,122.7

18,529.3

18,821.7

Income Tax Expense

1,167.8

1,218.1

1,698.6

1,971.9

1,908.1

1,941

Earnings From Continuing Operations

10,158.5

10,595.5

14,746.2

17,150.8

16,621.2

16,880.7

Net Income

10,158.5

10,595.5

14,746.2

17,150.8

16,621.2

16,880.7

Preferred Dividend and Other Adjustments

196.6

820.7

834

Net Income to Common Incl Extra Items

10,158.5

10,595.5

14,746.2

16,954.3

15,800.5

16,046.8

Net Income to Common Excl. Extra Items

10,158.5

10,595.5

14,746.2

16,954.3

15,800.5

16,046.8

Total Shares Outstanding

4,000

4,000

4,000

4,000

4,000

4,000

Weighted Avg. Shares Outstanding

4,000

4,000

4,000

4,000

4,000

4,000

Weighted Avg. Shares Outstanding Dil

4,000

4,000

4,000

4,000

4,000

4,000

EPS

2.5

2.6

3.7

4.2

4

4

EPS Diluted

2.5

2.6

3.7

4.2

4

4

Effective Tax Rate

10.3%

10.3%

10.3%

10.3%

10.3%

10.3%