Qatar National Bank (Q.P.S.C.), together with its subsidiaries, provides commercial and Islamic banking products and services.
Qatar National Bank (Q.P.S.C.) Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||ر.ق20.20|
|52 Week High||ر.ق16.35|
|52 Week Low||ر.ق20.29|
|1 Month Change||6.60%|
|3 Month Change||13.48%|
|1 Year Change||13.48%|
|3 Year Change||7.44%|
|5 Year Change||37.16%|
|Change since IPO||2,361.36%|
Recent News & Updates
What Type Of Shareholders Own The Most Number of Qatar National Bank (Q.P.S.C.) (DSM:QNBK) Shares?
If you want to know who really controls Qatar National Bank (Q.P.S.C.) ( DSM:QNBK ), then you'll have to look at the...
|QNBK||QA Banks||QA Market|
Return vs Industry: QNBK underperformed the QA Banks industry which returned 16.4% over the past year.
Return vs Market: QNBK underperformed the QA Market which returned 15% over the past year.
Stable Share Price: QNBK is less volatile than 75% of QA stocks over the past 3 months, typically moving +/- 1% a week.
Volatility Over Time: QNBK's weekly volatility (1%) has been stable over the past year.
About the Company
|1964||n/a||Abdulla Mubarak Al-Khalifa||https://www.qnb.com|
Qatar National Bank (Q.P.S.C.), together with its subsidiaries, provides commercial and Islamic banking products and services. The company operates through four segments: Corporate Banking, Consumer Banking, Asset and Wealth Management, and International Banking. It offers personal banking products and services, such as current, savings, fixed deposit, and call-notice deposit accounts; credit, debit, and pre-paid cards; personal, top-up, vehicle, vehicle lease, and mortgage loans; insurance products, including life, salary continuation, critical illness, motor, mortgage, and travel insurance; asset management services; and mobile, Internet, ATM, SMS, and USSD banking services.
Qatar National Bank (Q.P.S.C.) Fundamentals Summary
|QNBK fundamental statistics|
Is QNBK overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|QNBK income statement (TTM)|
|Cost of Revenue||ر.ق0|
Last Reported Earnings
Sep 30, 2021
Next Earnings Date
|Earnings per share (EPS)||1.27|
|Net Profit Margin||58.43%|
How did QNBK perform over the long term?See historical performance and comparison
2.2%Current Dividend Yield
Is Qatar National Bank (Q.P.S.C.) undervalued compared to its fair value and its price relative to the market?
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: QNBK (QAR20.2) is trading above our estimate of fair value (QAR12.85)
Significantly Below Fair Value: QNBK is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: QNBK's PE Ratio (15.8x) is in line with the QA Banks industry average.
PE vs Market: QNBK is good value based on its PE Ratio (15.8x) compared to the QA market (20x).
Price to Earnings Growth Ratio
PEG Ratio: QNBK is poor value based on its PEG Ratio (1.7x)
Price to Book Ratio
PB vs Industry: QNBK's PB Ratio (1.9x) is in line with the QA Banks industry average.
How is Qatar National Bank (Q.P.S.C.) forecast to perform in the next 1 to 3 years based on estimates from 6 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: QNBK's forecast earnings growth (9.5% per year) is above the savings rate (9.1%).
Earnings vs Market: QNBK's earnings (9.5% per year) are forecast to grow slower than the QA market (9.8% per year).
High Growth Earnings: QNBK's earnings are forecast to grow, but not significantly.
Revenue vs Market: QNBK's revenue (8% per year) is forecast to grow faster than the QA market (4% per year).
High Growth Revenue: QNBK's revenue (8% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: QNBK's Return on Equity is forecast to be low in 3 years time (17%).
How has Qatar National Bank (Q.P.S.C.) performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: QNBK has a high level of non-cash earnings.
Growing Profit Margin: QNBK's current net profit margins (58.4%) are higher than last year (57.5%).
Past Earnings Growth Analysis
Earnings Trend: QNBK's earnings have declined by 1.7% per year over the past 5 years.
Accelerating Growth: QNBK's earnings growth over the past year (1.3%) exceeds its 5-year average (-1.7% per year).
Earnings vs Industry: QNBK earnings growth over the past year (1.3%) underperformed the Banks industry 4.4%.
Return on Equity
High ROE: QNBK's Return on Equity (12.7%) is considered low.
How is Qatar National Bank (Q.P.S.C.)'s financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: QNBK's Assets to Equity ratio (10.7x) is moderate.
Allowance for Bad Loans: QNBK has a sufficient allowance for bad loans (138%).
Low Risk Liabilities: 80% of QNBK's liabilities are made up of primarily low risk sources of funding.
Loan Level: QNBK has an appropriate level of Loans to Assets ratio (70%).
Low Risk Deposits: QNBK's Loans to Deposits ratio (97%) is appropriate.
Level of Bad Loans: QNBK has a high level of bad loans (2.3%).
What is Qatar National Bank (Q.P.S.C.) current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: QNBK's dividend (2.23%) is higher than the bottom 25% of dividend payers in the QA market (2.19%).
High Dividend: QNBK's dividend (2.23%) is low compared to the top 25% of dividend payers in the QA market (3.85%).
Stability and Growth of Payments
Stable Dividend: QNBK's dividend payments have been volatile in the past 10 years.
Growing Dividend: QNBK's dividend payments have increased over the past 10 years.
Current Payout to Shareholders
Dividend Coverage: With its reasonably low payout ratio (35.3%), QNBK's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: QNBK's dividends in 3 years are forecast to be well covered by earnings (41.7% payout ratio).
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Abdulla Mubarak Al-Khalifa (48 yo)
Mr. Abdulla Mubarak N. Al-Khalifa has been Group Chief Executive Officer at Qatar National Bank (Q.P.S.C.) since 2019. He had been Acting Group Chief Executive Officer of Qatar National Bank (Q.P.S.C.) un...
Experienced Management: QNBK's management team is considered experienced (3.3 years average tenure).
Experienced Board: QNBK's board of directors are seasoned and experienced ( 17.8 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Qatar National Bank (Q.P.S.C.)'s employee growth, exchange listings and data sources
- Name: Qatar National Bank (Q.P.S.C.)
- Ticker: QNBK
- Exchange: DSM
- Founded: 1964
- Industry: Diversified Banks
- Sector: Banks
- Market Cap: ر.ق186.576b
- Shares outstanding: 9.24b
- Website: https://www.qnb.com
Number of Employees
- Qatar National Bank (Q.P.S.C.)
- PO Box 1000
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/10/21 18:09|
|End of Day Share Price||2021/10/21 00:00|
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 here.