Stock 1180 THE SAUDI NATIONAL BANK
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Financials The Saudi National Bank

Equities

1180

SA13L050IE10

Banks

End-of-day quote Saudi Arabian S.E.
Other stock markets
 23:00:00 27/04/2024 BST 		5-day change 1st Jan Change
37.45 SAR +1.35% Intraday chart for The Saudi National Bank -0.79% -3.10%
03:02pm Saudi Shares Surge Amid Earnings Buzz; EU, Saudi Plan MOU for Clean Tech MT
07:42am Saudi National Bank Logs Increase in Q1 Net Profit MT

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 147,315 129,635 285,663 224,132 229,737 222,813 - -
Enterprise Value (EV) 1 147,315 129,635 285,663 224,132 229,737 222,813 222,813 222,813
P/E ratio 13.4 x 11.8 x 21.6 x 12.5 x 12 x 11 x 10.1 x 9.37 x
Yield 4.67% - 2.41% 3.37% - 4.74% 5.11% 5.64%
Capitalization / Revenue 7.15 x 6.04 x 10 x 6.79 x 6.64 x 5.96 x 5.53 x 5.16 x
EV / Revenue 7.15 x 6.04 x 10 x 6.79 x 6.64 x 5.96 x 5.53 x 5.16 x
EV / EBITDA - - - - - - - -
EV / FCF - - - - - - - -
FCF Yield - - - - - - - -
Price to Book 2.14 x 1.63 x 1.76 x 1.35 x 1.31 x 1.35 x 1.23 x 1.15 x
Nbr of stocks (in thousands) 3,988,229 3,987,224 5,914,352 5,917,669 5,944,035 5,941,667 - -
Reference price 2 36.94 32.51 48.30 37.88 38.65 37.45 37.45 37.45
Announcement Date 29/01/20 16/02/21 02/02/22 01/02/23 05/02/24 - - -
1SAR in Million2SAR
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 20,607 21,458 28,462 33,003 34,589 37,409 40,294 43,140
EBITDA - - - - - - - -
EBIT 1 14,276 14,961 18,599 23,220 24,232 26,976 29,564 31,803
Operating Margin 69.28% 69.72% 65.34% 70.36% 70.06% 72.11% 73.37% 73.72%
Earnings before Tax (EBT) 1 12,919 12,933 14,438 21,277 22,773 23,972 25,659 27,758
Net income 1 11,401 11,440 12,670 18,580 20,010 20,674 22,611 24,295
Net margin 55.33% 53.31% 44.51% 56.3% 57.85% 55.26% 56.12% 56.32%
EPS 2 2.760 2.752 2.235 3.038 3.230 3.399 3.700 3.998
Free Cash Flow - - - - - - - -
FCF margin - - - - - - - -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - - - - - - -
Dividend per Share 2 1.725 - 1.162 1.275 - 1.774 1.914 2.113
Announcement Date 29/01/20 16/02/21 02/02/22 01/02/23 05/02/24 - - -
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
Net sales 1 - 7,800 7,389 8,065 8,373 8,448 8,118 8,731 8,497 8,737 8,625 8,939 9,128 9,454 9,724
EBITDA - - - - - - - - - - - - - - -
EBIT 1 - 5,049 4,577 5,640 5,808 6,017 5,755 6,290 5,888 5,975 6,079 6,270 - - -
Operating Margin - 64.73% 61.95% 69.93% 69.36% 71.23% 70.9% 72.04% 69.29% 68.39% 70.48% 69.92% - - -
Earnings before Tax (EBT) 1 - 4,310 3,897 - 5,307 5,407 5,405 5,794 5,795 5,673 - 5,683 - - -
Net income 1 5,530 3,785 3,350 4,502 4,589 4,725 4,770 5,022 5,016 5,010 4,963 5,040 5,022 5,191 5,407
Net margin - 48.53% 45.34% 55.82% 54.81% 55.93% 58.76% 57.52% 59.03% 57.34% 57.54% 56.38% 55.02% 54.91% 55.6%
EPS 2 - - - - - - - - 0.8100 0.8000 0.8100 0.8200 0.8267 0.8559 0.8930
Dividend per Share 2 - - - - - - - - - - - - 0.8854 - 0.9685
Announcement Date 05/08/21 24/10/21 02/02/22 27/04/22 01/08/22 30/10/22 01/02/23 01/05/23 02/08/23 24/10/23 05/02/24 29/04/24 - - -
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) 17.1% 15.5% 10.5% 11.6% 11.7% 12.1% 12.4% 12.8%
ROA (Net income/ Total Assets) 2.38% 2.07% 1.04% 2% 2.02% 1.93% 1.91% 1.9%
Assets 1 479,717 553,132 1,214,067 929,790 991,281 1,072,845 1,184,828 1,279,080
Book Value Per Share 2 17.30 19.90 27.40 28.00 29.60 27.70 30.50 32.50
Cash Flow per Share - - - - - - - -
Capex - - - - - - - -
Capex / Sales - - - - - - - -
Announcement Date 29/01/20 16/02/21 02/02/22 01/02/23 05/02/24 - - -
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 The Saudi National Bank

Trading Rating
Investor Rating
ESG Refinitiv
B-
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
15
Last Close Price
37.45 SAR
Average target price
47.61 SAR
Spread / Average Target
+27.12%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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Islamic Banks
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