Snowflake Score | |
---|---|
Valuation | 0/6 |
Future Growth | 4/6 |
Past Performance | 4/6 |
Financial Health | 6/6 |
Dividends | 4/6 |
1120 Stock Overview
Al Rajhi Banking and Investment Corporation, together with its subsidiaries, provides banking and investment services in the Kingdom of Saudi Arabia and internationally.
Al Rajhi Banking and Investment Competitors
Price History & Performance
Historical stock prices | |
---|---|
Current Share Price | ر.س84.20 |
52 Week High | ر.س117.40 |
52 Week Low | ر.س66.00 |
Beta | 0.56 |
1 Month Change | -12.38% |
3 Month Change | -15.70% |
1 Year Change | 22.03% |
3 Year Change | 93.01% |
5 Year Change | 214.51% |
Change since IPO | 1,885.01% |
Recent News & Updates
Here's Why I Think Al Rajhi Banking and Investment (TADAWUL:1120) Might Deserve Your Attention Today
It's only natural that many investors, especially those who are new to the game, prefer to buy shares in 'sexy' stocks...
If You Like EPS Growth Then Check Out Al Rajhi Banking and Investment (TADAWUL:1120) Before It's Too Late
Like a puppy chasing its tail, some new investors often chase 'the next big thing', even if that means buying 'story...
Shareholder Returns
1120 | SA Banks | SA Market | |
---|---|---|---|
7D | -2.0% | 2.1% | 1.6% |
1Y | 22.0% | 23.9% | 12.5% |
Return vs Industry: 1120 underperformed the SA Banks industry which returned 23.9% over the past year.
Return vs Market: 1120 exceeded the SA Market which returned 12.5% over the past year.
Price Volatility
1120 volatility | |
---|---|
1120 Average Weekly Movement | 5.2% |
Banks Industry Average Movement | 6.1% |
Market Average Movement | 4.9% |
10% most volatile stocks in SA Market | 7.2% |
10% least volatile stocks in SA Market | 3.1% |
Stable Share Price: 1120 is not significantly more volatile than the rest of SA stocks over the past 3 months, typically moving +/- 5% a week.
Volatility Over Time: 1120's weekly volatility (5%) has been stable over the past year.
About the Company
Founded | Employees | CEO | Website |
---|---|---|---|
1957 | 15,078 | Waleed Bin Abdullah Al-Mogbel | https://www.alrajhibank.com.sa |
Al Rajhi Banking and Investment Corporation, together with its subsidiaries, provides banking and investment services in the Kingdom of Saudi Arabia and internationally. The company operates through four segments: Retail, Corporate, Treasury, and Investment Services and Brokerage. It offers current, future, affluent, private, ladies, business, and escrow accounts; personal, auto, home, car, real estate, fleet, payroll, POS merchant, contract, invoice, and working capital finance services; credit and debit cards; and personal accident, medical, staff guarantee, marine cargo, engineering, machine breakdown, property, vehicle, and professional responsibility insurance products.
Al Rajhi Banking and Investment Fundamentals Summary
1120 fundamental statistics | |
---|---|
Market Cap | ر.س336.80b |
Earnings (TTM) | ر.س15.54b |
Revenue (TTM) | ر.س24.38b |
21.7x
P/E Ratio4.3x
P/B RatioIs 1120 overvalued?
See Fair Value and valuation analysisEarnings & Revenue
1120 income statement (TTM) | |
---|---|
Revenue | ر.س24.38b |
Cost of Revenue | ر.س0 |
Gross Profit | ر.س24.38b |
Other Expenses | ر.س8.83b |
Earnings | ر.س15.54b |
Last Reported Earnings
Mar 31, 2022
Next Earnings Date
n/a
Earnings per share (EPS) | 3.89 |
Gross Margin | 100.00% |
Net Profit Margin | 63.76% |
Debt/Equity Ratio | 0.0% |
How did 1120 perform over the long term?
See historical performance and comparisonDividends
2.1%
Current Dividend Yield39%
Payout RatioValuation
Is 1120 undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score
0/6Valuation Score 0/6
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Below Fair Value
Significantly Below Fair Value
PEG Ratio
Key Valuation Metric
Which metric is best to use when looking at relative valuation for 1120?
Other financial metrics that can be useful for relative valuation.
What is 1120's n/a Ratio? | |
---|---|
n/a Ratio | 0x |
n/a | n/a |
Market Cap | ر.س336.80b |
Key Statistics | |
---|---|
Enterprise Value/Revenue | n/a |
Enterprise Value/EBITDA | n/a |
PEG Ratio | 1.5x |
Price to Earnings Ratio vs Peers
How does 1120's PE Ratio compare to its peers?
1120 PE Ratio vs Peers |
---|
Company | PE | Estimated Growth | Market Cap |
---|---|---|---|
Peer Average | 21.4x | ||
1180 Saudi National Bank | 21.4x | 22.3% | ر.س284.5b |
1010 Riyad Bank | 15.7x | 13.0% | ر.س97.5b |
1060 Saudi British Bank | 24.2x | 23.3% | ر.س78.1b |
1150 Alinma Bank | 24.3x | 21.5% | ر.س67.8b |
1120 Al Rajhi Banking and Investment | 21.7x | 14.2% | ر.س336.8b |
Price-To-Earnings vs Peers: 1120 is expensive based on its Price-To-Earnings Ratio (21.7x) compared to the peer average (21.4x).
Price to Earnings Ratio vs Industry
How does 1120's PE Ratio compare vs other companies in the Asian Banks Industry?
Price-To-Earnings vs Industry: 1120 is expensive based on its Price-To-Earnings Ratio (21.7x) compared to the SA Banks industry average (21x)
Price to Earnings Ratio vs Fair Ratio
What is 1120's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.
Fair Ratio | |
---|---|
Current PE Ratio | 21.7x |
Fair PE Ratio | n/a |
Price-To-Earnings vs Fair Ratio: Insufficient data to calculate 1120's Price-To-Earnings Fair Ratio for valuation analysis.
Share Price vs Fair Value
What is the Fair Price of 1120 when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: 1120 (SAR84.2) is trading above our estimate of fair value (SAR63.28)
Significantly Below Fair Value: 1120 is trading above our estimate of fair value.
Price to Earnings Growth Ratio
PEG Ratio: 1120 is poor value based on its PEG Ratio (1.5x)
Discover undervalued companies
Future Growth
How is Al Rajhi Banking and Investment forecast to perform in the next 1 to 3 years based on estimates from 9 analysts?
Future Growth Score
4/6Future Growth Score 4/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Future ROE
14.2%
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: 1120's forecast earnings growth (14.2% per year) is above the savings rate (9%).
Earnings vs Market: 1120's earnings (14.2% per year) are forecast to grow faster than the SA market (-1.2% per year).
High Growth Earnings: 1120's earnings are forecast to grow, but not significantly.
Revenue vs Market: 1120's revenue (16.5% per year) is forecast to grow faster than the SA market (-2.9% per year).
High Growth Revenue: 1120's revenue (16.5% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: 1120's Return on Equity is forecast to be high in 3 years time (25.2%)
Discover growth companies
Past Performance
How has Al Rajhi Banking and Investment performed over the past 5 years?
Past Performance Score
4/6Past Performance Score 4/6
Quality Earnings
Growing Profit Margin
Earnings Trend
Accelerating Growth
Earnings vs Industry
High ROE
13.8%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: 1120 has a high level of non-cash earnings.
Growing Profit Margin: 1120's current net profit margins (63.8%) are higher than last year (58.8%).
Past Earnings Growth Analysis
Earnings Trend: 1120's earnings have grown by 13.8% per year over the past 5 years.
Accelerating Growth: 1120's earnings growth over the past year (34.6%) exceeds its 5-year average (13.8% per year).
Earnings vs Industry: 1120 earnings growth over the past year (34.6%) exceeded the Banks industry 24.5%.
Return on Equity
High ROE: 1120's Return on Equity (19.8%) is considered low.
Discover strong past performing companies
Financial Health
How is Al Rajhi Banking and Investment's financial position? (This company is analysed differently as a bank or financial institution)
Financial Health Score
6/6Financial Health Score 6/6
Asset Level
Allowance for Bad Loans
Low Risk Liabilities
Loan Level
Low Risk Deposits
Level of Bad Loans
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: 1120's Assets to Equity ratio (8.4x) is low.
Allowance for Bad Loans: 1120 has a sufficient allowance for bad loans (308%).
Low Risk Liabilities: 94% of 1120's liabilities are made up of primarily low risk sources of funding.
Loan Level: 1120 has an appropriate level of Loans to Assets ratio (74%).
Low Risk Deposits: 1120's Loans to Deposits ratio (89%) is appropriate.
Level of Bad Loans: 1120 has an appropriate level of bad loans (0.6%).
Discover healthy companies
Dividend
What is Al Rajhi Banking and Investment current dividend yield, its reliability and sustainability?
Dividend Score
4/6Dividend Score 4/6
Notable Dividend
High Dividend
Stable Dividend
Growing Dividend
Earnings Coverage
Future Dividend Coverage
2.08%
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: 1120's dividend (2.08%) is higher than the bottom 25% of dividend payers in the SA market (1.91%).
High Dividend: 1120's dividend (2.08%) is low compared to the top 25% of dividend payers in the SA market (4.42%).
Stability and Growth of Payments
Stable Dividend: 1120's dividend payments have been volatile in the past 10 years.
Growing Dividend: 1120's dividend payments have increased over the past 10 years.
Current Payout to Shareholders
Earnings Coverage: With its reasonably low payout ratio (38.6%), 1120's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: 1120's dividends in 3 years are forecast to be covered by earnings (51.5% payout ratio).
Discover strong dividend paying companies
Management
How experienced are the management team and are they aligned to shareholders interests?
1.4yrs
Average management tenure
CEO
Waleed Bin Abdullah Al-Mogbel (45 yo)
2.42yrs
Tenure
ر.س180,000
Compensation
Mr. Waleed Bin Abdullah Ali Al-Mogbel serves as Chief Executive Officer of Al Rajhi Banking and Investment Corporation since January1, 2020 and served as its Deputy Chief Executive Officer until Jnauary 1,...
Leadership Team
Experienced Management: 1120's management team is not considered experienced ( 1.4 years average tenure), which suggests a new team.
Board Members
Experienced Board: 1120's board of directors are considered experienced (7.6 years average tenure).
Ownership
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.
Ownership Breakdown
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Top Shareholders
Company Information
Al Rajhi Banking and Investment Corporation's employee growth, exchange listings and data sources
Key Information
- Name: Al Rajhi Banking and Investment Corporation
- Ticker: 1120
- Exchange: SASE
- Founded: 1957
- Industry: Diversified Banks
- Sector: Banks
- Implied Market Cap: ر.س336.800b
- Shares outstanding: 4.00b
- Website: https://www.alrajhibank.com.sa
Number of Employees
Location
- Al Rajhi Banking and Investment Corporation
- Al Rajhi Bank
- 8467 King Fahd Road - Al Muruj District
- Riyadh
- 12263-2743
- Saudi Arabia
Listings
Company Analysis and Financial Data Status
Data | Last Updated (UTC time) |
---|---|
Company Analysis | 2022/06/28 00:00 |
End of Day Share Price | 2022/06/28 00:00 |
Earnings | 2022/03/31 |
Annual Earnings | 2021/12/31 |
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.