Stock 1010 RIYAD BANK
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Financials Riyad Bank

Equities

1010

SA0007879048

Banks

Market Closed - Saudi Arabian S.E.
Other stock markets
 08:20:02 2024-05-23 am EDT 		5-day change 1st Jan Change
25.15 SAR -3.27% Intraday chart for Riyad Bank -5.81% -11.75%
May. 07 Transcript : Riyad Bank, Q1 2024 Earnings Call, May 07, 2024
May. 05 Saudi Stocks End Sunday in the Green; Zahrat Al Waha for Trading Shines MT

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 72,000 60,600 81,300 95,400 85,358 75,324 - -
Enterprise Value (EV) 1 72,000 60,600 81,300 95,400 85,358 75,324 75,324 75,324
P/E ratio 12.8 x 12.9 x 13.5 x 13.7 x 11 x 9.32 x 8.73 x 8.25 x
Yield 4.46% 2.48% 3.84% 3.62% 4.91% 5.7% 5.97% 6.37%
Capitalization / Revenue 6.72 x 5.41 x 7.03 x 7.02 x 5.37 x 4.52 x 4.26 x 3.96 x
EV / Revenue 6.72 x 5.41 x 7.03 x 7.02 x 5.37 x 4.52 x 4.26 x 3.96 x
EV / EBITDA - - - - - - - -
EV / FCF - - - - - - - -
FCF Yield - - - - - - - -
Price to Book 1.77 x 1.37 x 1.72 x 1.92 x 1.59 x 1.29 x 1.21 x 1.13 x
Nbr of stocks (in thousands) 3,000,000 3,000,000 3,000,000 3,000,000 2,995,000 2,995,000 - -
Reference price 2 24.00 20.20 27.10 31.80 28.50 25.15 25.15 25.15
Announcement Date 1/26/20 2/25/21 3/9/22 2/13/23 2/12/24 - - -
1SAR in Million2SAR
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 10,717 11,205 11,568 13,599 15,899 16,664 17,694 19,040
EBITDA - - - - - - - -
EBIT 1 7,043 7,571 7,603 9,189 10,930 11,378 12,134 13,439
Operating Margin 65.72% 67.56% 65.72% 67.57% 68.75% 68.28% 68.58% 70.58%
Earnings before Tax (EBT) 1 6,232 5,484 6,718 7,828 8,971 9,233 9,791 10,394
Net income 1 5,602 4,715 6,025 7,019 8,046 8,155 8,736 9,268
Net margin 52.27% 42.08% 52.08% 51.62% 50.61% 48.94% 49.37% 48.68%
EPS 2 1.870 1.570 2.010 2.320 2.580 2.698 2.880 3.050
Free Cash Flow - - - - - - - -
FCF margin - - - - - - - -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - - - - - - -
Dividend per Share 2 1.070 0.5000 1.040 1.150 1.400 1.435 1.502 1.601
Announcement Date 1/26/20 2/25/21 3/9/22 2/13/23 2/12/24 - - -
1SAR in Million2SAR
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 S1 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1 2025 Q2
Net sales 1 - 2,949 3,102 3,230 3,525 3,742 4,036 3,952 3,978 3,932 4,088 4,142 4,222 4,288 - -
EBITDA - - - - - - - - - - - - - - - -
EBIT - 1,986 2,068 2,166 2,351 2,605 2,875 2,718 2,679 2,658 2,742 - - - - -
Operating Margin - 67.34% 66.67% 67.05% 66.68% 69.6% 71.22% 68.77% 67.35% 67.6% 67.07% - - - - -
Earnings before Tax (EBT) 1 - 1,753 - 1,809 2,040 2,235 2,252 2,210 2,330 - 2,311 2,272 2,347 2,252 - -
Net income 1 2,865 1,617 1,553 1,611 1,828 2,028 2,010 1,982 2,089 1,955 2,073 1,989 1,999 1,971 - -
Net margin - 54.83% 50.06% 49.88% 51.85% 54.19% 49.8% 50.16% 52.52% 49.71% 50.71% 48.01% 47.34% 45.97% - -
EPS 2 - - - - - - 0.6500 0.6400 0.6700 0.6300 0.6600 0.6774 0.6770 0.6887 - -
Dividend per Share 2 - - - - - - - - - - - 0.6619 - 0.7270 - 0.7384
Announcement Date 8/5/21 3/9/22 5/10/22 8/9/22 10/27/22 2/13/23 5/2/23 7/23/23 10/22/23 2/12/24 4/28/24 - - - - -
1SAR in Million2SAR
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net Debt - - - - - - - -
Net Cash position - - - - - - - -
Leverage (Debt/EBITDA) - - - - - - - -
Free Cash Flow - - - - - - - -
ROE (net income / shareholders' equity) 14.5% 11.1% 13.1% 14.5% 15.6% 14.5% 14.4% 14.6%
ROA (Net income/ Total Assets) 2.26% 1.64% 1.9% 2.05% 2.16% 2.15% 2.02% 2.03%
Assets 1 247,843 287,939 317,892 342,690 373,253 378,967 432,132 457,472
Book Value Per Share 2 13.50 14.80 15.80 16.50 17.90 19.40 20.80 22.40
Cash Flow per Share - - - - - - - -
Capex - - - - - - - -
Capex / Sales - - - - - - - -
Announcement Date 1/26/20 2/25/21 3/9/22 2/13/23 2/12/24 - - -
1SAR in Million2SAR
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for Riyad Bank

Trading Rating
Investor Rating
ESG Refinitiv
B+
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
16
Last Close Price
25.15 SAR
Average target price
34.25 SAR
Spread / Average Target
+36.17%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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