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National Bank of Kuwait S.A.K.P.KWSE:NBK Stock Report

Market Cap د.ك8.9b
Share Price
د.ك1.02
n/a
1Y23.2%
7D-1.3%
Portfolio Value
​
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National Bank of Kuwait S.A.K.P.

KWSE:NBK Stock Report

Market Cap: د.ك8.9b

National Bank of KuwaitK.P (NBK) Stock Overview

Provides financial and investment services and solutions to individual, corporate, and institutional clients in Kuwait, the Middle East, North Africa, Europe, the United Kingdom, and internationally. More details

NBK fundamental analysis
Snowflake Score
Valuation2/6
Future Growth1/6
Past Performance2/6
Financial Health6/6
Dividends4/6

Rewards

Price-To-Earnings ratio (15.2x) is below the KW market (16.4x)

Revenue is forecast to grow 8.03% per year

Earnings have grown 18.1% per year over the past 5 years

Risk Analysis

Unstable dividend track record


NBK Community Fair Values

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National Bank of KuwaitK.P

Digital Transformation And MENA Diversification Will Open New Markets

Key Takeaways Robust loan pipeline, digital innovation, and regulatory changes will drive substantial, high-quality revenue and earnings growth beyond expectations. Geographic diversification and prudent risk controls position NBK for stable outperformance and resilience across economic cycles.
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د.ك1.26
FV
18.8% undervalued intrinsic discount
10.87%
Revenue growth p.a.
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National Bank of KuwaitK.P

Kuwait Infrastructure And Digital Banking Will Unlock Regional Lending Potential

Key Takeaways Strong regional expansion, digital innovation, and a favorable legal environment position the bank for diversified loan growth and new revenue opportunities. Stable asset quality, disciplined risk management, and a robust capital base support resilience and sustainable profitability amidst evolving economic conditions.
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د.ك1.07
FV
4.2% undervalued intrinsic discount
9.21%
Revenue growth p.a.
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National Bank of KuwaitK.P

Fintech Lag And Rising ESG Risks Will Erode Margins

Key Takeaways NBK faces mounting risks from global ESG trends, rapid fintech disruption, and competitive digital transformation that may undermine revenue and margins. Economic volatility, sector-specific pressures, and persistent margin compression threaten both loan quality and the sustainability of long-term profitability.
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د.ك0.76
FV
35.1% overvalued intrinsic discount
5.81%
Revenue growth p.a.
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National Bank of Kuwait S.A.K.P. Competitors

Price History & Performance

Summary of share price highs, lows and changes for National Bank of KuwaitK.P
Historical stock prices
Current Share Priceد.ك1.02
52 Week Highد.ك1.12
52 Week Lowد.ك0.82
Beta0.19
1 Month Change0.99%
3 Month Change-5.80%
1 Year Change23.18%
3 Year Change9.75%
5 Year Change53.97%
Change since IPO603.62%

Recent News & Updates

Recent updates

User avatar

Kuwaiti Mortgage Market And Digital Innovation Set To Drive Revenue And Profit Growth

Project activity and opportunities in the Kuwaiti mortgage market are expected to drive loan growth and positively impact revenue.

Shareholder Returns

NBKKW BanksKW Market
7D-1.3%2.6%2.2%
1Y23.2%24.0%24.9%

Return vs Industry: NBK matched the KW Banks industry which returned 24% over the past year.

Return vs Market: NBK underperformed the KW Market which returned 24.9% over the past year.

Price Volatility

Is NBK's price volatile compared to industry and market?
NBK volatility
NBK Average Weekly Movement1.6%
Banks Industry Average Movement1.9%
Market Average Movement4.9%
10% most volatile stocks in KW Market10.8%
10% least volatile stocks in KW Market2.1%

Stable Share Price: NBK has not had significant price volatility in the past 3 months compared to the KW market.

Volatility Over Time: NBK's weekly volatility (2%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
1952n/aIsam Jasem Al-Sagerwww.nbk.com

National Bank of Kuwait S.A.K.P., together with its subsidiaries, provides financial and investment services and solutions to individual, corporate, and institutional clients in Kuwait, the Middle East, North Africa, Europe, the United Kingdom, and internationally. The company operates through six segments: Consumer Banking, Corporate Banking, NBK Health, Islamic Banking, Group Center, and International Banking. It offers consumer loans, credit cards, trade finance, deposits, foreign exchange and advisory, and other related services.

National Bank of Kuwait S.A.K.P. Fundamentals Summary

How do National Bank of KuwaitK.P's earnings and revenue compare to its market cap?
NBK fundamental statistics
Market capد.ك8.94b
Earnings (TTM)د.ك587.11m
Revenue (TTM)د.ك1.25b
15.2x
P/E Ratio
1.8x
P/B Ratio

Is NBK overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
NBK income statement (TTM)
Revenueد.ك1.25b
Cost of Revenueد.ك0
Gross Profitد.ك1.25b
Other Expensesد.ك660.08m
Earningsد.ك587.11m

Last Reported Earnings

Sep 30, 2025

Next Earnings Date

n/a

Earnings per share (EPS)0.067
Gross Margin100.00%
Net Profit Margin47.07%
Debt/Equity Ratio185.2%

How did NBK perform over the long term?

See historical performance and comparison

Dividends

3.3%
Current Dividend Yield
35%
Payout Ratio

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/12/15 00:16
End of Day Share Price 2025/12/15 00:00
Earnings2025/09/30
Annual Earnings2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

National Bank of Kuwait S.A.K.P. is covered by 16 analysts. 8 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Ranya GnabaAlphaMena
Kais KriaaAlphaMena
Jaap MeijerArqaam Capital Research Offshore S.A.L.