ScoreWhy is Saudi National Bank ?
1
Positive results in Dec 25
- 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 1.21%, 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 20.86%, its profits have risen by 14% ; the PEG ratio of the company is 0.7
- At the current price, the company has a high dividend yield of 5.2
3
Market Beating Performance
- Even though the market (Saudi Arabia All Share TASI) has generated negative returns of -11.13% in the last 1 year, the stock has been able to generate 20.86% returns
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?
Low Risk, High Return
Absolute
Risk Adjusted
Volatility
Saudi National Bank
18.32%
0.91
24.53%
Saudi Arabia All Share TASI
-11.13%
-0.71
15.65%
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
20.66
EV to EBITDA
18.67
EV to Capital Employed
1.12
EV to Sales
8.17
PEG Ratio
0.71
Dividend Yield
5.19%
ROCE (Latest)
5.42%
ROE (Latest)
12.93%
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
Bullish
Dow Theory
No Trend
No Trend
OBV
No Trend
No Trend
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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