ScoreWhy is Riyad Bank ?
1
Positive results in Mar 26
- OPERATING CASH FLOW(Y) Highest at SAR 11,941.88 MM
- CASH AND EQV(HY) Highest at SAR 56,981.16 MM
2
With ROA of 1.36%, it has a very attractive valuation with a 1.32 Price to Book Value
- Over the past year, while the stock has generated a return of -4.20%, its profits have risen by 7.5% ; the PEG ratio of the company is 1.1
- At the current price, the company has a high dividend yield of 6.2
3
Consistent Underperformance against the benchmark over the last 3 years
- Along with generating -4.20% 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 Riyad 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 Riyad Bank for you?
High Risk, Low Return
Absolute
Risk Adjusted
Volatility
Riyad Bank
-100.0%
-0.59
34.14%
Saudi Arabia All Share TASI
-0.13%
-0.01
13.67%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
22.28%
EBIT Growth (5y)
16.22%
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
42.53%
Pledged Shares
0
Institutional Holding
0.00%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
9
Industry P/E
Price to Book Value
1.32
EV to EBIT
15.24
EV to EBITDA
14.26
EV to Capital Employed
1.14
EV to Sales
6.07
PEG Ratio
1.14
Dividend Yield
6.20%
ROCE (Latest)
7.50%
ROE (Latest)
15.48%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Bearish
Moving Averages
Bearish (Daily)
KST
Bearish
Bearish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
Mildly Bearish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend5What is working for the Company
OPERATING CASH FLOW(Y)
Highest at SAR 11,941.88 MM
CASH AND EQV(HY)
Highest at SAR 56,981.16 MM
-2What is not working for the Company
CREDIT DEPOSIT RATIO(HY)
Lowest at 112.15%
NET PROFIT(Q)
Lowest at SAR 2,347.18 MM
Here's what is working for Riyad Bank
Operating Cash Flow
Highest at SAR 11,941.88 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (SAR MM)
Cash and Eqv
Highest at SAR 56,981.16 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Depreciation
Highest at SAR 218.15 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 Riyad Bank
Net Profit
Lowest at SAR 2,347.18 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is negative
Net Profit (SAR MM)
Credit Deposit Ratio
Lowest at 112.15%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
GET THE MARKETSMOJO APP
Company
Stocks
Portfolio
"Investment in securities markets are subject to market risk. Read all the related documents carefully before investing."
