ScoreWhy is Saudi Awwal Bank ?
1
Positive results in Jun 25
- NII(Q) Highest at SAR 2,852.58 MM
- NET SALES(Q) Highest at SAR 5,501.81 MM
- PRE-TAX PROFIT(Q) Highest at SAR 2,431.78 MM
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 2.88%, 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
3
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 2.88% returns
Real-Time Research ReportHow much should you buy?
- 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
1.42%
-0.74
22.87%
Saudi Arabia All Share TASI
-12.63%
-0.89
14.47%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
19.63%
EBIT Growth (5y)
29.53%
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
52.92%
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
Mildly Bullish
Bearish
RSI
No Signal
No Signal
Bollinger Bands
Sideways
Mildly Bearish
Moving Averages
Mildly Bearish (Daily)
KST
Mildly Bullish
Bearish
Dow Theory
No Trend
Mildly Bullish
OBV
Mildly Bullish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend5What is working for the Company
NII(Q)
Highest at SAR 2,852.58 MM
NET SALES(Q)
Highest at SAR 5,501.81 MM
PRE-TAX PROFIT(Q)
Highest at SAR 2,431.78 MM
-4What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at SAR 7,726.43 MM
DIVIDEND PAYOUT RATIO(Y)
Lowest at 102.83%
Here's what is working for Saudi Awwal Bank
NII
Highest at SAR 2,852.58 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 5,501.81 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (SAR MM)
Pre-Tax Profit
Highest at SAR 2,431.78 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (SAR MM)
Depreciation
Highest at SAR 215.5 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 215.5 MM has Grown at 47.91%
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)
Here's what is not working for Saudi Awwal Bank
Operating Cash Flow
Lowest at SAR 7,726.43 MM and Fallen
In each year 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 102.83%
in the last five yearsMOJO Watch
Company is distributing lower proportion of profits generated as dividend
DPR (%)
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