ScoreWhy is Riyad Bank ?
1
The company has declared Positive results for the last 11 consecutive quarters
- GROSS NPA (%)(Q) Lowest at 0.74%
- NET SALES(Q) Highest at SAR 7,129.76 MM
2
With ROA of 1.55%, it has a very attractive valuation with a 1.36 Price to Book Value
- Over the past year, while the stock has generated a return of -3.55%, its profits have risen by 15.6% ; the PEG ratio of the company is 0.5
- At the current price, the company has a high dividend yield of 6.3
Real-Time Research ReportHow much should you buy?
- 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?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
Riyad Bank
-100.0%
0.45
25.97%
Saudi Arabia All Share TASI
-11.13%
-0.71
15.65%
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
8
Industry P/E
Price to Book Value
1.36
EV to EBIT
15.13
EV to EBITDA
14.13
EV to Capital Employed
1.16
EV to Sales
6.12
PEG Ratio
0.54
Dividend Yield
6.33%
ROCE (Latest)
7.69%
ROE (Latest)
16.16%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Sideways
Moving Averages
Bullish (Daily)
KST
Bullish
Bearish
Dow Theory
Mildly Bearish
Mildly Bullish
OBV
No Trend
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend4What is working for the Company
GROSS NPA (%)
(Q
NET SALES(Q)
Highest at SAR 7,129.76 MM
-3What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at SAR 9,015.38 MM
DIVIDEND PAYOUT RATIO(Y)
Lowest at 66.44%
Here's what is working for Riyad Bank
Non Performing Loans (%)
Lowest at 0.74%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are falling
Non Performing Loans (%)
Net Sales
Highest at SAR 7,129.76 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (SAR MM)
Depreciation
Highest at SAR 193.36 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
Operating Cash Flow
Lowest at SAR 9,015.38 MM
in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (SAR MM)
Dividend Payout Ratio
Lowest at 66.44%
in the last five yearsMOJO Watch
Company is distributing lower proportion of profits generated as dividend
DPR (%)
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