ScoreWhy is Saudi Awwal Bank ?
1
Flat results in Dec 25
- OPERATING CASH FLOW(Y) Lowest at SAR 8,379.67 MM
- DIVIDEND PAYOUT RATIO(Y) Lowest at 0%
- DIVIDEND PER SHARE(HY) Lowest at SAR 0
2
With ROA of 1.36%, it has a very attractive valuation with a 1.04 Price to Book Value
- Over the past year, while the stock has generated a return of -4.69%, its profits have risen by 3.4% ; the PEG ratio of the company is 2.5
- At the current price, the company has a high dividend yield of 0
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Saudi Awwal Bank 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 Saudi Awwal Bank for you?
Low Risk, Medium Return
Absolute
Risk Adjusted
Volatility
Saudi Awwal Bank
-100.0%
-0.46
22.50%
Saudi Arabia All Share TASI
-11.13%
-0.71
15.65%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
23.15%
EBIT Growth (5y)
31.59%
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
0
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
8
Industry P/E
Price to Book Value
1.04
EV to EBIT
11.77
EV to EBITDA
10.97
EV to Capital Employed
1.03
EV to Sales
4.82
PEG Ratio
2.52
Dividend Yield
NA
ROCE (Latest)
8.71%
ROE (Latest)
12.26%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Mildly Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Mildly Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Mildly Bullish
Dow Theory
Mildly Bearish
Mildly Bullish
OBV
Mildly Bullish
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend5What is working for the Company
GROSS NPA (%)
(Q
NII(Q)
Highest at SAR 3,097.82 MM
NET SALES(Q)
Highest at SAR 5,826.17 MM
-10What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at SAR 8,379.67 MM
DIVIDEND PAYOUT RATIO(Y)
Lowest at 0%
DIVIDEND PER SHARE(HY)
Lowest at SAR 0
OPERATING PROFIT(Q)
Lowest at SAR 2,133.96 MM
OPERATING PROFIT MARGIN(Q)
Lowest at 36.63 %
PRE-TAX PROFIT(Q)
Lowest at SAR 2,281.18 MM
NET PROFIT(Q)
Lowest at SAR 1,810.27 MM
EPS(Q)
Lowest at SAR 0.88
Here's what is working for Saudi Awwal Bank
Non Performing Loans (%)
Lowest at 1.32%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are falling
Non Performing Loans (%)
NII
Highest at SAR 3,097.82 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (SAR MM)
Net Sales
Highest at SAR 5,826.17 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (SAR MM)
CASA
Highest at 18.13%
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 Saudi Awwal Bank
Operating Cash Flow
Lowest at SAR 8,379.67 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 0% and Fallen
In each year in the last five yearsMOJO Watch
Company is distributing lower proportion of profits generated as dividend
DPR (%)
Operating Profit
Lowest at SAR 2,133.96 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (SAR MM)
Operating Profit Margin
Lowest at 36.63 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Pre-Tax Profit
Lowest at SAR 2,281.18 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (SAR MM)
Net Profit
Lowest at SAR 1,810.27 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is negative
Net Profit (SAR MM)
EPS
Lowest at SAR 0.88
in the last five periodsMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (SAR)
Dividend per share
Lowest at SAR 0
in the last five yearsMOJO Watch
Company is distributing lower dividend than previous years
DPS (SAR)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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