ScoreWhy is Saudi National Bank ?
1
With a growth in Interest of NAN%, the company declared Very Positive results in Mar 26
- The company has declared positive results for the last 8 consecutive quarters
- GROSS NPA (%)(Q) Lowest at 0.65%
- ROCE(HY) Highest at 2.04%
- NII(Q) Highest at SAR 7,615.82 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 14.34%, 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
- Even though the market (Saudi Arabia All Share TASI) has generated negative returns of -0.13% in the last 1 year, the stock has been able to generate 14.34% returns
Real-Time Research ReportHow much should you hold?
- 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
14.34%
0.54
24.57%
Saudi Arabia All Share TASI
-0.13%
-0.01
13.67%
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
No Signal
No Signal
Bollinger Bands
Bearish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bearish
No Trend
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend11What is working for the Company
GROSS NPA (%)
(Q
ROCE(HY)
Highest at 2.04%
NII(Q)
Highest at SAR 7,615.82 MM
OPERATING PROFIT(Q)
Highest at SAR 6,847.01 MM
OPERATING PROFIT MARGIN(Q)
Highest at 46.02 %
PRE-TAX PROFIT(Q)
Highest at SAR 7,288.59 MM
EPS(Q)
Highest at SAR 1.04
-4What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at SAR 23,518.54 MM
ROCE(HY)
Lowest at 2.04%
Here's what is working for Saudi National Bank
Non Performing Loans (%)
Lowest at 0.65% 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 7,615.82 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (SAR MM)
Operating Profit
Highest at SAR 6,847.01 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (SAR MM)
Operating Profit Margin
Highest at 46.02 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at SAR 7,288.59 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (SAR MM)
EPS
Highest at SAR 1.04
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (SAR)
Here's what is not working for Saudi National Bank
Operating Cash Flow
Lowest at SAR 23,518.54 MM
in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (SAR MM)
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