ScoreWhy is Al Rajhi Bank ?
1
With a growth in Interest of NAN%, the company declared Very Positive results in Mar 26
- The company has declared positive results for the last 9 consecutive quarters
- ROCE(HY) Highest at 2.33%
- OPERATING PROFIT(Q) Highest at SAR 7,445.62 MM
- PRE-TAX PROFIT(Q) Highest at SAR 7,440.39 MM
2
Consistent Returns over the last 3 years
- Along with generating 7.15% returns in the last 1 year, the stock has outperformed Saudi Arabia All Share TASI in each of the last 3 annual periods
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?
High Risk, Low Return
Absolute
Risk Adjusted
Volatility
Al Rajhi Bank
7.15%
-0.35
40.36%
Saudi Arabia All Share TASI
-0.13%
-0.01
13.67%
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
Mildly Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
No Trend
No Trend
OBV
Mildly Bullish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend12What is working for the Company
ROCE(HY)
Highest at 2.33%
OPERATING PROFIT(Q)
Highest at SAR 7,445.62 MM
PRE-TAX PROFIT(Q)
Highest at SAR 7,440.39 MM
NET PROFIT(Q)
Highest at SAR 6,344.4 MM
NII(Q)
Highest at SAR 8,404.97 MM
OPERATING PROFIT MARGIN(Q)
Highest at 51.32 %
EPS(Q)
Highest at SAR 1.06
-4What is not working for the Company
ROCE(HY)
Lowest at 2.33%
GROSS NPA (%)
(Q
Here's what is working for Al Rajhi Bank
Operating Profit
Highest at SAR 7,445.62 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 7,440.39 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 6,344.4 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 8,404.97 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (SAR MM)
Operating Profit Margin
Highest at 51.32 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
EPS
Highest at SAR 1.06
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (SAR)
Here's what is not working for Al Rajhi Bank
Non Performing Loans (%)
Highest at 0.75%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
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