Riyad Bank provides various banking products and services in the Kingdom of Saudi Arabia. More Details
Flawless balance sheet average dividend payer.
Share Price & News
How has Riyad Bank's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: 1010 is not significantly more volatile than the rest of SA stocks over the past 3 months, typically moving +/- 4% a week.
Volatility Over Time: 1010's weekly volatility (4%) has been stable over the past year.
7 Day Return
1 Year Return
Return vs Industry: 1010 underperformed the SA Banks industry which returned 55.4% over the past year.
Return vs Market: 1010 exceeded the SA Market which returned 14.6% over the past year.
Long-Term Price Volatility Vs. Market
How volatile is Riyad Bank's share price compared to the market and industry in the last 5 years?
Simply Wall St News
4 weeks ago | Simply Wall StRiyad Bank (TADAWUL:1010) Looks Interesting, And It's About To Pay A Dividend
3 months ago | Simply Wall StIs Riyad Bank (TADAWUL:1010) A Great Dividend Stock?
6 months ago | Simply Wall StDid You Participate In Any Of Riyad Bank's (TADAWUL:1010) Fantastic 146% Return ?
Is Riyad Bank 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: 1010 (SAR25.95) is trading above our estimate of fair value (SAR11.8)
Significantly Below Fair Value: 1010 is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: 1010 is good value based on its PE Ratio (17x) compared to the SA Banks industry average (18.4x).
PE vs Market: 1010 is good value based on its PE Ratio (17x) compared to the SA market (34.3x).
Price to Earnings Growth Ratio
PEG Ratio: 1010 is poor value based on its PEG Ratio (1.5x)
Price to Book Ratio
PB vs Industry: 1010 is overvalued based on its PB Ratio (1.8x) compared to the SA Banks industry average (1.5x).
How is Riyad Bank forecast to perform in the next 1 to 3 years based on estimates from 10 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: 1010's forecast earnings growth (11.6% per year) is above the savings rate (8.8%).
Earnings vs Market: 1010's earnings (11.6% per year) are forecast to grow faster than the SA market (7.7% per year).
High Growth Earnings: 1010's earnings are forecast to grow, but not significantly.
Revenue vs Market: 1010's revenue (8.1% per year) is forecast to grow faster than the SA market (3.7% per year).
High Growth Revenue: 1010's revenue (8.1% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: 1010's Return on Equity is forecast to be low in 3 years time (12.3%).
How has Riyad Bank performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: 1010 has high quality earnings.
Growing Profit Margin: 1010's current net profit margins (51.2%) are lower than last year (56.2%).
Past Earnings Growth Analysis
Earnings Trend: 1010's earnings have grown by 8.4% per year over the past 5 years.
Accelerating Growth: 1010's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: 1010 had negative earnings growth (-17.9%) over the past year, making it difficult to compare to the Banks industry average (-9.6%).
Return on Equity
High ROE: 1010's Return on Equity (10.4%) is considered low.
How is Riyad Bank'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: 1010's Assets to Equity ratio (7x) is low.
Allowance for Bad Loans: 1010 has a sufficient allowance for bad loans (124%).
Low Risk Liabilities: 91% of 1010's liabilities are made up of primarily low risk sources of funding.
Loan Level: 1010 has an appropriate level of Loans to Assets ratio (64%).
Low Risk Deposits: 1010's Loans to Deposits ratio (82%) is appropriate.
Level of Bad Loans: 1010 has an appropriate level of bad loans (2%).
What is Riyad Bank current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: 1010's dividend (3.85%) is higher than the bottom 25% of dividend payers in the SA market (1.47%).
High Dividend: 1010's dividend (3.85%) is low compared to the top 25% of dividend payers in the SA market (4.5%).
Stability and Growth of Payments
Stable Dividend: 1010's dividend payments have been volatile in the past 10 years.
Growing Dividend: 1010's dividend payments have increased over the past 10 years.
Current Payout to Shareholders
Dividend Coverage: With its reasonably low payout ratio (32.7%), 1010's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: 1010's dividends in 3 years are forecast to be covered by earnings (50% payout ratio).
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Mr. Tariq Abdulrahman Al-Sadhan has been Chief Executive Officer of Riyad Bank since April 1, 2019. Mr. Al-Sadhan has experience in the financial sector including banks, auditing, tax and financial managem...
Experienced Management: 1010's management team is considered experienced (2.5 years average tenure).
Experienced Board: 1010's board of directors are considered experienced (5.5 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.
Riyad Bank's company bio, employee growth, exchange listings and data sources
- Name: Riyad Bank
- Ticker: 1010
- Exchange: SASE
- Founded: 1957
- Industry: Diversified Banks
- Sector: Banks
- Market Cap: ر.س77.850b
- Shares outstanding: 3.00b
- Website: https://www.riyadbank.com
Number of Employees
- Riyad Bank
- Granada Oasis - A1 Tower
- Al Shuhada District
- Saudi Arabia
Riyad Bank provides various banking products and services in the Kingdom of Saudi Arabia. The company operates through Retail Banking, Investment Banking and Brokerage, Corporate Banking, and Treasury and ...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/07/23 14:05|
|End of Day Share Price||2021/07/15 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.