The Saudi Investment Bank (1030) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

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Comparison

Company

Score

Quality

Valuation

Financial

Technical

The Saudi Investment Bank

Why is The Saudi Investment Bank ?

Flat results in Jun 25

OPERATING CASH FLOW(Y) Lowest at SAR 1,256.76 MM
OPERATING PROFIT MARGIN(Q) Lowest at 23.76 %
NET PROFIT(Q) Lowest at SAR 361.18 MM

With ROA of 0.70%, it has a very attractive valuation with a 1.10 Price to Book Value

Over the past year, while the stock has generated a return of -12.93%, its profits have risen by 6.9% ; the PEG ratio of the company is 1.4
At the current price, the company has a high dividend yield of 4.6

Below par performance in long term as well as near term

Along with generating -12.93% returns in the last 1 year, the stock has also underperformed Saudi Arabia All Share TASI in the last 3 years, 1 year and 3 months

Real-Time Research Report

Verdict Report

How much should you hold?

Overall Portfolio exposure to The Saudi Investment 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 The Saudi Investment Bank for you?

Low Risk, High Return

Absolute

Risk Adjusted

Volatility

The Saudi Investment Bank

-12.93%

0.00

19.21%

Saudi Arabia All Share TASI

-12.63%

-0.89

14.47%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

22.11%

EBIT Growth (5y)

28.01%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

53.04%

Pledged Shares

Institutional Holding

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.10

EV to EBIT

29.61

EV to EBITDA

27.20

EV to Capital Employed

1.03

EV to Sales

6.58

PEG Ratio

1.41

Dividend Yield

4.56%

ROCE (Latest)

3.47%

ROE (Latest)

11.23%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bearish

Mildly Bearish

RSI

No Signal

Bollinger Bands

Bearish

Moving Averages

Bearish (Daily)

KST

Bearish

Mildly Bearish

Dow Theory

No Trend

Mildly Bearish

OBV

Mildly Bearish

No Trend

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

12What is working for the Company

GROSS NPA (%)

DIVIDEND PAYOUT RATIO(Y)

Highest at 138.12%

DIVIDEND PER SHARE(HY)

Highest at SAR 0

CASH AND EQV(HY)

Highest at SAR 11,030.1 MM

CREDIT DEPOSIT RATIO(HY)

Highest at 110.97%

NET SALES(Q)

Highest at SAR 2,394.14 MM

OPERATING PROFIT(Q)

Highest at SAR 568.78 MM

PRE-TAX PROFIT(Q)

Highest at SAR 568.78 MM

-7What is not working for the Company

OPERATING CASH FLOW(Y)

Lowest at SAR 1,256.76 MM

OPERATING PROFIT MARGIN(Q)

Lowest at 23.76 %

NET PROFIT(Q)

Lowest at SAR 361.18 MM

EPS(Q)

Lowest at SAR 0.29

Here's what is working for The Saudi Investment Bank

Non Performing Loans (%)

Lowest at 0.95% and Fallen

In each half year in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are falling

Non Performing Loans (%)

Dividend per share

Highest at SAR 0 and Grown

In each year in the last five years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (SAR)

Dividend Payout Ratio

Highest at 138.12% and Grown

In each year in the last five years

MOJO Watch

Company is distributing higher proportion of profits generated as dividend

DPR (%)

Net Sales

Highest at SAR 2,394.14 MM

in the last five periods

MOJO Watch

Near term sales trend is positive

Net Sales (SAR MM)

Operating Profit

Highest at SAR 568.78 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is positive

Operating Profit (SAR MM)

Pre-Tax Profit

Highest at SAR 568.78 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (SAR MM)

Cash and Eqv

Highest at SAR 11,030.1 MM

in the last six Semi-Annual periods

MOJO Watch

Short Term liquidity is improving

Cash and Cash Equivalents

Credit Deposit Ratio

Highest at 110.97%

in the last four Semi-Annual periods

MOJO 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 The Saudi Investment Bank

Operating Cash Flow

Lowest at SAR 1,256.76 MM and Fallen

In each year in the last three years

MOJO Watch

The company's cash revenues from business operations are falling

Operating Cash Flows (SAR MM)

Operating Profit Margin

Lowest at 23.76 % and Fallen

In each period in the last five periods

MOJO Watch

Company's profit margin has deteriorated

Operating Profit to Sales

Net Profit

Lowest at SAR 361.18 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is negative

Net Profit (SAR MM)

EPS

Lowest at SAR 0.29

in the last five periods

MOJO Watch

Declining profitability; company has created lower earnings for shareholders

EPS (SAR)