ScoreWhy is Al Rajhi Bank ?
1
With a growth in Interest of NAN%, the company declared Outstanding results in Dec 25
- The company has declared positive results for the last 5 consecutive quarters
- ROCE(HY) Highest at 2.32%
- NET SALES(Q) Highest at SAR 14,751.52 MM
- OPERATING PROFIT(Q) Highest at SAR 7,108.97 MM
2
With ROA of 1.48%, it has a very attractive valuation with a 3.54 Price to Book Value
- Over the past year, while the stock has generated a return of 11.07%, its profits have risen by 25.3% ; the PEG ratio of the company is 0.7
- At the current price, the company has a high dividend yield of 2.2
3
Market Beating Performance
- The stock has generated a return of 11.07% in the last 1 year, much higher than market (Saudi Arabia All Share TASI) returns of 0.01%
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to Al Rajhi Bank should be less than 10%
- Overall Portfolio exposure to Major Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Major Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Al Rajhi Bank for you?
Low Risk, High Return
Absolute
Risk Adjusted
Volatility
Al Rajhi Bank
-100.0%
1.77
22.31%
Saudi Arabia All Share TASI
0.01%
0.00
13.85%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
26.30%
EBIT Growth (5y)
18.63%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
42.71%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
17
Industry P/E
Price to Book Value
3.54
EV to EBIT
22.97
EV to EBITDA
20.86
EV to Capital Employed
2.02
EV to Sales
10.34
PEG Ratio
0.69
Dividend Yield
2.17%
ROCE (Latest)
8.81%
ROE (Latest)
20.39%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Mildly Bearish
Dow Theory
No Trend
Mildly Bullish
OBV
No Trend
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend16What is working for the Company
ROCE(HY)
Highest at 2.32%
NET SALES(Q)
Highest at SAR 14,751.52 MM
OPERATING PROFIT(Q)
Highest at SAR 7,108.97 MM
PRE-TAX PROFIT(Q)
Highest at SAR 7,103.71 MM
NET PROFIT(Q)
Highest at SAR 6,043.76 MM
NII(Q)
Highest at SAR 8,149.7 MM
DIVIDEND PAYOUT RATIO(Y)
Highest at 115.83%
CASH AND EQV(HY)
Highest at SAR 111,859.75 MM
DIVIDEND PER SHARE(HY)
Highest at SAR 0
EPS(Q)
Highest at SAR 1.51
-2What is not working for the Company
ROCE(HY)
Lowest at 2.32%
Here's what is working for Al Rajhi Bank
Net Sales
Highest at SAR 14,751.52 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (SAR MM)
Operating Profit
Highest at SAR 7,108.97 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Operating Profit trend is quite positive
Operating Profit (SAR MM)
Pre-Tax Profit
Highest at SAR 7,103.71 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (SAR MM)
Net Profit
Highest at SAR 6,043.76 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Net Profit trend is very positive
Net Profit (SAR MM)
NII
Highest at SAR 8,149.7 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (SAR MM)
EPS
Highest at SAR 1.51
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (SAR)
Cash and Eqv
Highest at SAR 111,859.75 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Dividend per share
Highest at SAR 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (SAR)
Dividend Payout Ratio
Highest at 115.83%
in the last five yearsMOJO Watch
Company is distributing higher proportion of profits generated as dividend
DPR (%)
Depreciation
Highest at SAR 814.1 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (SAR MM)
Depreciation
At SAR 814.1 MM has Grown at 33.96%
period on period (QoQ)MOJO Watch
The expenditure on assets done by the company has gone into productive use which should positively reflect in the future sales
Depreciation (SAR MM)
CASA
Highest at 20.49%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
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