ScoreWhy is Saudi National Bank ?
1
With a growth in Interest of NAN%, the company declared Very Positive results in Dec 25
- The company has declared positive results for the last 2 consecutive quarters
- GROSS NPA (%)(Q) Lowest at 0.66%
- ROCE(HY) Highest at 2.16%
- NII(Q) Highest at SAR 7,605.41 MM
2
With ROA of 1.22%, it has a very attractive valuation with a 1.29 Price to Book Value
- Over the past year, while the stock has generated a return of 23.00%, its profits have risen by 18% ; the PEG ratio of the company is 0.5
- At the current price, the company has a high dividend yield of 2.5
3
Market Beating Performance
- The stock has generated a return of 23.00% in the last 1 year, much higher than market (Saudi Arabia All Share TASI) returns of 0.01%
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to Saudi National 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 Saudi National Bank for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
Saudi National Bank
23.0%
0.85
24.72%
Saudi Arabia All Share TASI
0.01%
0.00
13.85%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
25.84%
EBIT Growth (5y)
17.99%
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
51.07%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
10
Industry P/E
Price to Book Value
1.29
EV to EBIT
20.57
EV to EBITDA
18.89
EV to Capital Employed
1.11
EV to Sales
8.71
PEG Ratio
0.53
Dividend Yield
2.51%
ROCE (Latest)
5.41%
ROE (Latest)
13.48%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
Bearish
No Signal
Bollinger Bands
Mildly Bullish
Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bullish
Mildly Bearish
OBV
No Trend
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend10What is working for the Company
GROSS NPA (%)
(Q
ROCE(HY)
Highest at 2.16%
NII(Q)
Highest at SAR 7,605.41 MM
DIVIDEND PER SHARE(HY)
Highest at SAR 0
CREDIT DEPOSIT RATIO(HY)
Highest at 119.25%
OPERATING PROFIT(Q)
Highest at SAR 6,387.94 MM
-3What is not working for the Company
ROCE(HY)
Lowest at 2.16%
CASH AND EQV(HY)
Lowest at SAR 91,566.38 MM
Here's what is working for Saudi National Bank
Non Performing Loans (%)
Lowest at 0.66% and Fallen
In each half year 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 7,605.41 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (SAR MM)
Operating Profit
Highest at SAR 6,387.94 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (SAR MM)
Dividend per share
Highest at SAR 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (SAR)
Credit Deposit Ratio
Highest at 119.25%
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 (%)
Here's what is not working for Saudi National Bank
Cash and Eqv
Lowest at SAR 91,566.38 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
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