ScoreWhy is Alinma Bank ?
1
The company has declared Positive results for the last 8 consecutive quarters
- OPERATING CASH FLOW(Y) Highest at SAR 11,648.52 MM
- NET SALES(Q) Highest at SAR 4,265.09 MM
- NET PROFIT(Q) Highest at SAR 1,573.26 MM
2
With ROA of 1.50%, it has a very attractive valuation with a 1.94 Price to Book Value
- Over the past year, while the stock has generated a return of -15.09%, its profits have risen by 14.7% ; the PEG ratio of the company is 0.7
- At the current price, the company has a high dividend yield of 3.5
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?
Low Risk, Low Return
Absolute
Risk Adjusted
Volatility
Alinma Bank
-14.49%
-1.06
20.27%
Saudi Arabia All Share TASI
-12.63%
-0.89
14.47%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
26.67%
EBIT Growth (5y)
24.62%
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
46.88%
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
1.94
EV to EBIT
11.26
EV to EBITDA
10.63
EV to Capital Employed
1.78
EV to Sales
4.36
PEG Ratio
0.73
Dividend Yield
3.55%
ROCE (Latest)
15.83%
ROE (Latest)
18.09%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Bearish
Moving Averages
Bearish (Daily)
KST
Bearish
Bearish
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 CASH FLOW(Y)
Highest at SAR 11,648.52 MM
NET SALES(Q)
Highest at SAR 4,265.09 MM
NET PROFIT(Q)
Highest at SAR 1,573.26 MM
EPS(Q)
Highest at SAR 0.63
0What is not working for the Company
NO KEY NEGATIVE TRIGGERS
Here's what is working for Alinma Bank
Operating Cash Flow
Highest at SAR 11,648.52 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (SAR MM)
Net Sales
Highest at SAR 4,265.09 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (SAR MM)
Net Profit
Highest at SAR 1,573.26 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (SAR MM)
EPS
Highest at SAR 0.63
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (SAR)
Depreciation
Highest at SAR 103.97 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (SAR MM)
CASA
Highest at 17.33%
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 (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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