Stock 1010 RIYAD BANK
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Financials Riyad Bank

Equities

1010

SA0007879048

Banks

End-of-day quote Saudi Arabian S.E.
Other stock markets
 23:00:00 28/04/2024 BST 		5-day change 1st Jan Change
28.15 SAR +0.54% Intraday chart for Riyad Bank +1.81% -1.23%
06:09am Riyad Bank Logs Higher Q1 Net Profit MT
04-28 Tadawul Shares Welcome New Week Lower; Thimar Development Holding Shines MT

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 72,000 60,600 81,300 95,400 85,358 84,309 - -
Enterprise Value (EV) 1 72,000 60,600 81,300 95,400 85,358 84,309 84,309 84,309
P/E ratio 12.8 x 12.9 x 13.5 x 13.7 x 11 x 10.3 x 9.69 x 9.15 x
Yield 4.46% 2.48% 3.84% 3.62% 4.91% 5.16% 5.41% 5.9%
Capitalization / Revenue 6.72 x 5.41 x 7.03 x 7.02 x 5.37 x 5.01 x 4.75 x 4.41 x
EV / Revenue 6.72 x 5.41 x 7.03 x 7.02 x 5.37 x 5.01 x 4.75 x 4.41 x
EV / EBITDA - - - - - - - -
EV / FCF - - - - - - - -
FCF Yield - - - - - - - -
Price to Book 1.77 x 1.37 x 1.72 x 1.92 x 1.59 x 1.46 x 1.36 x 1.26 x
Nbr of stocks (in thousands) 3,000,000 3,000,000 3,000,000 3,000,000 2,995,000 2,995,000 - -
Reference price 2 24.00 20.20 27.10 31.80 28.50 28.15 28.15 28.15
Announcement Date 26/01/20 25/02/21 09/03/22 13/02/23 12/02/24 - - -
1SAR in Million2SAR
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 10,717 11,205 11,568 13,599 15,899 16,821 17,767 19,105
EBITDA - - - - - - - -
EBIT 1 7,043 7,571 7,603 9,189 10,930 11,185 12,193 13,580
Operating Margin 65.72% 67.56% 65.72% 67.57% 68.75% 66.49% 68.63% 71.08%
Earnings before Tax (EBT) 1 6,232 5,484 6,718 7,828 8,971 9,282 9,795 10,447
Net income 1 5,602 4,715 6,025 7,019 8,046 8,278 8,744 9,284
Net margin 52.27% 42.08% 52.08% 51.62% 50.61% 49.21% 49.21% 48.6%
EPS 2 1.870 1.570 2.010 2.320 2.580 2.746 2.905 3.077
Free Cash Flow - - - - - - - -
FCF margin - - - - - - - -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - - - - - - -
Dividend per Share 2 1.070 0.5000 1.040 1.150 1.400 1.453 1.524 1.660
Announcement Date 26/01/20 25/02/21 09/03/22 13/02/23 12/02/24 - - -
1SAR in Million2SAR
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 S1 2021 Q3 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1
Net sales 1 - 2,817 2,949 3,102 3,230 3,525 3,742 4,036 3,952 3,978 3,932 4,088 4,308 4,323 4,422 -
EBITDA - - - - - - - - - - - - - - - -
EBIT 1 - 1,808 1,986 2,068 2,166 2,351 2,605 2,875 2,718 2,679 2,658 2,856 - - - -
Operating Margin - 64.21% 67.34% 66.67% 67.05% 66.68% 69.6% 71.22% 68.77% 67.35% 67.6% 68.99% - - - -
Earnings before Tax (EBT) 1 - 1,727 1,753 - 1,809 2,040 2,235 2,252 2,210 2,330 - 2,311 2,303 2,368 2,209 -
Net income 1 2,865 1,543 1,617 1,553 1,611 1,828 2,028 2,010 1,982 2,089 1,955 2,073 2,017 2,020 1,933 -
Net margin - 54.78% 54.83% 50.06% 49.88% 51.85% 54.19% 49.8% 50.16% 52.52% 49.71% 50.71% 46.82% 46.71% 43.71% -
EPS 2 - - - - - - - 0.6500 0.6400 0.6700 0.6300 0.6600 0.7156 0.6989 0.7313 -
Dividend per Share 2 - - - - - - - - - - - - 0.7286 - 0.7437 -
Announcement Date 05/08/21 02/11/21 09/03/22 10/05/22 09/08/22 27/10/22 13/02/23 02/05/23 23/07/23 22/10/23 12/02/24 28/04/24 - - - -
1SAR in Million2SAR
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net Debt - - - - - - - -
Net Cash position - - - - - - - -
Leverage (Debt/EBITDA) - - - - - - - -
Free Cash Flow - - - - - - - -
ROE (net income / shareholders' equity) 14.5% 11.1% 13.1% 14.5% 15.6% 14.4% 14.5% 14.7%
ROA (Net income/ Total Assets) 2.26% 1.64% 1.9% 2.05% 2.16% 1.95% 1.98% 1.97%
Assets 1 247,843 287,939 317,892 342,690 373,253 424,292 441,751 470,838
Book Value Per Share 2 13.50 14.80 15.80 16.50 17.90 19.30 20.80 22.30
Cash Flow per Share - - - - - - - -
Capex - - - - - - - -
Capex / Sales - - - - - - - -
Announcement Date 26/01/20 25/02/21 09/03/22 13/02/23 12/02/24 - - -
1SAR in Million2SAR
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for Riyad Bank

Trading Rating
Investor Rating
ESG Refinitiv
B+
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
16
Last Close Price
28.15 SAR
Average target price
34.81 SAR
Spread / Average Target
+23.67%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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