ScoreWhy is Bank Albilad ?
1
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 13.87% signifying inadequate buffers against its risk based assets
- Poor long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 17.73%
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 13.87% signifying inadequate buffers against its risk based assets
- The bank has been able to generate a Return on Assets (avg) of 1.21% signifying low profitability per unit of total assets
2
Flat results in Mar 26
- OPERATING CASH FLOW(Y) Lowest at SAR 2,932.92 MM
- GROSS NPA (%)(Q) Highest at 1.14%
- OPERATING PROFIT MARGIN(Q) Lowest at 33.58 %
3
With ROA of 1.33%, it has a very attractive valuation with a 2.09 Price to Book Value
- Over the past year, while the stock has generated a return of -6.00%, its profits have risen by 8.7%
- At the current price, the company has a high dividend yield of 1.4
4
Consistent Underperformance against the benchmark over the last 3 years
- Along with generating -6.00% returns in the last 1 year, the stock has also underperformed Saudi Arabia All Share TASI in each of the last 3 annual periods
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Bank Albilad should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Bank Albilad for you?
Medium Risk, Low Return
Absolute
Risk Adjusted
Volatility
Bank Albilad
-6.0%
-0.44
23.83%
Saudi Arabia All Share TASI
-0.13%
-0.01
13.67%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
20.74%
EBIT Growth (5y)
20.06%
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
48.89%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
13
Industry P/E
Price to Book Value
2.09
EV to EBIT
13.71
EV to EBITDA
12.49
EV to Capital Employed
1.94
EV to Sales
4.59
PEG Ratio
NA
Dividend Yield
1.42%
ROCE (Latest)
14.16%
ROE (Latest)
16.12%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Bearish
Moving Averages
Bearish (Daily)
KST
Bearish
Mildly Bullish
Dow Theory
No Trend
No Trend
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend5What is working for the Company
NII(Q)
Highest at SAR 1,279.57 MM
NET SALES(Q)
Highest at SAR 2,415.86 MM
-5What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at SAR 2,932.92 MM
GROSS NPA (%)
(Q
OPERATING PROFIT MARGIN(Q)
Lowest at 33.58 %
Here's what is working for Bank Albilad
NII
Highest at SAR 1,279.57 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Net Sales
Highest at SAR 2,415.86 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (SAR MM)
Here's what is not working for Bank Albilad
Non Performing Loans (%)
Highest at 1.14%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
Operating Cash Flow
Lowest at SAR 2,932.92 MM
in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (SAR MM)
Operating Profit Margin
Lowest at 33.58 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
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