Stock 1030 THE SAUDI INVESTMENT BANK
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Financials The Saudi Investment Bank

Equities

1030

SA0007879063

Banks

Market Closed - Saudi Arabian S.E.
Other stock markets
 08:20:06 2024-07-08 am EDT 		5-day change 1st Jan Change
12.5 SAR +1.96% Intraday chart for The Saudi Investment Bank -2.19% -2.10%
Jul. 01 Saudi Investment Bank Says Not in M&A Talks Amid KFH Investment Chatter MT
Jun. 25 Saudi Shares in Green Amid Expansion, Cross-border Deal Talks MT

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 12,179 10,800 14,670 17,340 15,960 15,625 - -
Enterprise Value (EV) 1 12,179 10,800 14,670 17,340 15,960 15,625 15,625 15,625
P/E ratio 106 x 12.5 x 10.9 x 12.7 x 10 x 8.3 x 7.6 x 7.14 x
Yield - 2.5% 4.77% 4.33% - 6.2% 6.05% 6.47%
Capitalization / Revenue 4.41 x 3.79 x 5.3 x 5.31 x 4.02 x 3.74 x 3.41 x 3.21 x
EV / Revenue 4.41 x 3.79 x 5.3 x 5.31 x 4.02 x 3.74 x 3.41 x 3.21 x
EV / EBITDA - - - - - - - -
EV / FCF - - - - - - - -
FCF Yield - - - - - - - -
Price to Book 0.97 x 0.78 x 0.67 x 1.03 x 0.95 x 1.02 x 0.96 x 0.91 x
Nbr of stocks (in thousands) 1,125,167 1,125,008 1,250,000 1,250,000 1,250,000 1,250,000 - -
Reference price 2 10.82 9.600 11.74 13.87 12.77 12.50 12.50 12.50
Announcement Date 2/24/20 2/11/21 2/8/22 3/5/23 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 2,764 2,846 2,768 3,265 3,967 4,178 4,588 4,871
EBITDA - - - - - - - -
EBIT 1 1,584 1,632 1,484 1,833 2,310 2,301 2,618 2,987
Operating Margin 57.31% 57.34% 53.6% 56.13% 58.23% 55.07% 57.06% 61.33%
Earnings before Tax (EBT) 1 329.5 1,229 1,267 1,712 2,028 2,076 2,268 2,415
Net income 1 239 979.6 1,062 1,508 1,762 1,786 1,956 2,086
Net margin 8.65% 34.42% 38.36% 46.18% 44.41% 42.74% 42.62% 42.83%
EPS 2 0.1020 0.7680 1.072 1.096 1.272 1.506 1.645 1.751
Free Cash Flow - - - - - - - -
FCF margin - - - - - - - -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - - - - - - -
Dividend per Share 2 - 0.2400 0.5600 0.6000 - 0.7750 0.7560 0.8090
Announcement Date 2/24/20 2/11/21 2/8/22 3/5/23 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
Net sales 1 - 727.7 721.1 772.5 858.2 913.5 959.6 989.3 1,005 1,013 - 1,024
EBITDA - - - - - - - - - - - -
EBIT 1 - 363.8 372.4 433.1 493.9 533.3 538.6 662.7 599.8 588.2 - 595
Operating Margin - 49.99% 51.64% 56.06% 57.55% 58.38% 56.13% 66.98% 59.7% 58.07% - 58.11%
Earnings before Tax (EBT) - - - - - - - 516.1 - - - -
Net income 1 501.3 286.1 287 320.6 550 350.2 408.9 443.8 461.6 447.3 - 447.5
Net margin - 39.31% 39.8% 41.51% 64.08% 38.34% 42.61% 44.86% 45.94% 44.16% - 43.7%
EPS - - - - - - - 0.3040 - - 0.4300 -
Dividend per Share - - - - - - - - - - - -
Announcement Date 7/28/21 2/8/22 4/27/22 8/1/22 10/30/22 3/5/23 5/4/23 7/27/23 10/26/23 2/12/24 5/5/24 -
1SAR in Million
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) 1.75% 6.68% 7.55% 9.11% 10.4% 11.9% 12.2% 12.1%
ROA (Net income/ Total Assets) 0.24% 0.98% 1.05% 1.43% 1.47% 1.32% 1.27% 1.24%
Assets 1 98,233 100,365 100,740 105,349 119,528 135,817 153,587 167,802
Book Value Per Share 2 11.20 12.30 17.40 13.40 13.40 12.20 13.00 13.80
Cash Flow per Share - - - - - - - -
Capex - - - - - - - -
Capex / Sales - - - - - - - -
Announcement Date 2/24/20 2/11/21 2/8/22 3/5/23 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 The Saudi Investment Bank

Trading Rating
Investor Rating
ESG Refinitiv
B-
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
BUY
Number of Analysts
4
Last Close Price
12.5 SAR
Average target price
15.2 SAR
Spread / Average Target
+21.56%
Consensus

EPS Revisions

Estimates Revisions

Quarterly revenue - Rate of surprise

Company calendar

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Commercial Banks
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