ScoreWhy is Banque Saudi Fransi ?
1
With ROA of 1.22%, it has a very attractive valuation with a 1.14 Price to Book Value
- Over the past year, while the stock has generated a return of 6.52%, its profits have risen by 16.4%
- At the current price, the company has a high dividend yield of 1.6
2
Market Beating Performance
- Even though the market (Saudi Arabia All Share TASI) has generated negative returns of -12.84% in the last 1 year, the stock has been able to generate 6.52% returns
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to Banque Saudi Fransi 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 Banque Saudi Fransi for you?
High Risk, High Return
Absolute
Risk Adjusted
Volatility
Banque Saudi Fransi
6.36%
0.01
57.73%
Saudi Arabia All Share TASI
-12.63%
-0.89
14.47%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
20.98%
EBIT Growth (5y)
14.67%
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
54.04%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
9
Industry P/E
Price to Book Value
1.14
EV to EBIT
19.06
EV to EBITDA
17.96
EV to Capital Employed
1.06
EV to Sales
5.98
PEG Ratio
NA
Dividend Yield
1.56%
ROCE (Latest)
5.55%
ROE (Latest)
12.34%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Sideways
Moving Averages
Bearish (Daily)
KST
Mildly Bearish
Mildly Bullish
Dow Theory
Mildly Bullish
No Trend
OBV
Mildly Bullish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend16What is working for the Company
OPERATING CASH FLOW(Y)
Highest at SAR 8,505.43 MM
NII(Q)
Highest at SAR 2,201.96 MM
DIVIDEND PER SHARE(HY)
Highest at SAR 0
CASH AND EQV(HY)
Highest at SAR 24,772.34 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 120.75%
NET SALES(Q)
Highest at SAR 4,329.83 MM
OPERATING PROFIT(Q)
Highest at SAR 1,532.57 MM
OPERATING PROFIT MARGIN(Q)
Highest at 35.4 %
PRE-TAX PROFIT(Q)
Highest at SAR 1,547.61 MM
NET PROFIT(Q)
Highest at SAR 1,383.56 MM
EPS(Q)
Highest at SAR 0.57
-3What is not working for the Company
GROSS NPA (%)
(Q
DIVIDEND PAYOUT RATIO(Y)
Lowest at 97.21%
Here's what is working for Banque Saudi Fransi
NII
Highest at SAR 2,201.96 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA (%)
Operating Cash Flow
Highest at SAR 8,505.43 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)
Dividend per share
Highest at SAR 0 and Grown
In each year in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (SAR)
Net Sales
Highest at SAR 4,329.83 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (SAR MM)
Operating Profit
Highest at SAR 1,532.57 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (SAR MM)
Operating Profit Margin
Highest at 35.4 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at SAR 1,547.61 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (SAR MM)
Net Profit
Highest at SAR 1,383.56 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (SAR MM)
EPS
Highest at SAR 0.57
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (SAR)
Cash and Eqv
Highest at SAR 24,772.34 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Credit Deposit Ratio
Highest at 120.75%
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 91.25 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 91.25 MM has Grown at 34.3%
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 20.09%
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 (%)
Here's what is not working for Banque Saudi Fransi
Non Performing Loans (%)
Highest at 0.94%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
Dividend Payout Ratio
Lowest at 97.21%
in the last five yearsMOJO Watch
Company is distributing lower proportion of profits generated as dividend
DPR (%)
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