ScoreWhy is Alinma Bank ?
1
With a growth in Interest of NAN%, the company declared Very Positive results in Mar 26
- OPERATING PROFIT(Q) Highest at SAR 1,795.18 MM
- NII(Q) Highest at SAR 2,480.26 MM
- CREDIT DEPOSIT RATIO(HY) Highest at 102.06%
2
With ROA of 1.43%, it has a attractive valuation with a 1.95 Price to Book Value
- Over the past year, while the stock has generated a return of 9.48%, its profits have risen by 10% ; the PEG ratio of the company is 1.1
- At the current price, the company has a high dividend yield of 3.6
3
Market Beating performance in long term as well as near term
- Along with generating 9.48% returns in the last 1 year, the stock has outperformed Saudi Arabia All Share TASI in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to Alinma 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 Alinma Bank for you?
Medium Risk, Low Return
Absolute
Risk Adjusted
Volatility
Alinma Bank
-100.0%
-0.80
27.45%
Saudi Arabia All Share TASI
-0.13%
-0.01
13.67%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
25.97%
EBIT Growth (5y)
26.04%
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
34.99%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
11
Industry P/E
Price to Book Value
1.95
EV to EBIT
13.59
EV to EBITDA
12.77
EV to Capital Employed
1.59
EV to Sales
5.24
PEG Ratio
1.09
Dividend Yield
3.59%
ROCE (Latest)
11.73%
ROE (Latest)
17.93%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Mildly Bullish
Dow Theory
Mildly Bullish
No Trend
OBV
Mildly Bullish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend6What is working for the Company
OPERATING PROFIT(Q)
Highest at SAR 1,795.18 MM
NII(Q)
Highest at SAR 2,480.26 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 102.06%
OPERATING PROFIT MARGIN(Q)
Highest at 40.58 %
-2What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at SAR 5,303.84 MM
Here's what is working for Alinma Bank
Operating Profit
Highest at SAR 1,795.18 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Operating Profit trend is quite positive
Operating Profit (SAR MM)
NII
Highest at SAR 2,480.26 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (SAR MM)
Operating Profit Margin
Highest at 40.58 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Credit Deposit Ratio
Highest at 102.06%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Depreciation
Highest at SAR 122.3 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (SAR MM)
Here's what is not working for Alinma Bank
Operating Cash Flow
Lowest at SAR 5,303.84 MM
in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (SAR MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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