Stock 1020 BANK ALJAZIRA
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Financials Bank AlJazira

Equities

1020

SA0007879055

Banks

End-of-day quote Saudi Arabian S.E.
Other stock markets
 06:00:00 2024-04-24 pm EDT 		5-day change 1st Jan Change
16.22 SAR +0.27% Intraday chart for Bank AlJazira -3.45% +8.42%
Apr. 25 Saudi Exchange Sets Fluctuation Limits for Bank Aljazira's Capital Increase MT
Mar. 18 Saudi Arabia’s Capital Market Authority OKs Bank Aljazira’s Capital Increase MT

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 12,333 11,201 15,826 15,646 15,334 16,626 - -
Enterprise Value (EV) 1 12,333 11,201 15,826 15,646 15,334 16,626 16,626 16,626
P/E ratio 12.4 x 342 x 16.4 x 15.1 x 17.3 x 15.2 x 12.2 x 10.3 x
Yield 3.99% 2.2% 1.81% 3.67% - 2.07% 3.01% 2.88%
Capitalization / Revenue 4.14 x 3.41 x 4.46 x 4.48 x 4.6 x 4.36 x 3.68 x 3.28 x
EV / Revenue 4.14 x 3.41 x 4.46 x 4.48 x 4.6 x 4.36 x 3.68 x 3.28 x
EV / EBITDA - - - - - - - -
EV / FCF - - - - - - - -
FCF Yield - - - - - - - -
Price to Book 1.06 x 0.99 x 1.14 x 1.15 x - 1.13 x 1.06 x 0.92 x
Nbr of stocks (in thousands) 1,025,000 1,025,000 1,025,000 1,025,000 1,025,000 1,025,000 - -
Reference price 2 12.03 10.93 15.44 15.26 14.96 16.22 16.22 16.22
Announcement Date 2/4/20 2/15/21 2/13/22 2/2/23 2/5/24 - - -
1SAR in Million2SAR
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 2,977 3,287 3,547 3,495 3,335 3,811 4,514 5,068
EBITDA - - - - - - - -
EBIT 1 1,311 512.9 1,777 1,576 1,394 1,721 2,146 2,636
Operating Margin 44.04% 15.6% 50.1% 45.09% 41.8% 45.17% 47.53% 52.01%
Earnings before Tax (EBT) 1 1,122 31.2 1,153 1,297 1,181 1,420 1,707 2,033
Net income 1 991 33.8 1,006 1,109 1,020 1,090 1,370 1,618
Net margin 33.29% 1.03% 28.36% 31.73% 30.59% 28.6% 30.36% 31.93%
EPS 2 0.9680 0.0320 0.9440 1.008 0.8640 1.067 1.328 1.579
Free Cash Flow - - - - - - - -
FCF margin - - - - - - - -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - - - - - - -
Dividend per Share 2 0.4800 0.2400 0.2800 0.5600 - 0.3357 0.4880 0.4672
Announcement Date 2/4/20 2/15/21 2/13/22 2/2/23 2/5/24 - - -
1SAR in Million2SAR
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 S1 2021 Q3 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2024 Q1
Net sales 1 - 878.3 895 986.2 806.9 881.1 821.1 783.9 807.7 853.2 897
EBITDA - - - - - - - - - - -
EBIT - 441.8 429.7 511.3 332.9 378 353.8 308.9 344.5 365.4 -
Operating Margin - 50.31% 48.01% 51.84% 41.25% 42.9% 43.08% 39.41% 42.65% 42.83% -
Earnings before Tax (EBT) - - - - - - - - - - -
Net income 1 572.8 204.5 228.8 374.8 257.8 232.7 243.8 204 260.6 276 283
Net margin - 23.28% 25.56% 38.01% 31.95% 26.41% 29.69% 26.03% 32.26% 32.36% 31.55%
EPS - - - - - - - - - - -
Dividend per Share - - - - - - - - - - -
Announcement Date 8/10/21 10/27/21 2/13/22 5/11/22 8/9/22 11/1/22 2/2/23 5/14/23 8/6/23 11/1/23 -
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) 8.68% 0.29% 8.6% 8.06% 6.79% 8.34% 9.8% 10.7%
ROA (Net income/ Total Assets) 1.24% 0.04% 1.03% 1.01% 0.83% 0.86% 0.92% 1.01%
Assets 1 79,791 89,418 97,458 109,339 122,699 126,715 148,564 160,761
Book Value Per Share 2 11.30 11.10 13.60 13.30 - 14.40 15.30 17.70
Cash Flow per Share - - - - - - - -
Capex - - - - - - - -
Capex / Sales - - - - - - - -
Announcement Date 2/4/20 2/15/21 2/13/22 2/2/23 2/5/24 - - -
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 Bank AlJazira

Trading Rating
Investor Rating
ESG Refinitiv
D+
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
HOLD
Number of Analysts
4
Last Close Price
16.22 SAR
Average target price
15.32 SAR
Spread / Average Target
-5.55%
Consensus

EPS Revisions

Estimates Revisions

Quarterly revenue - Rate of surprise

Company calendar

Sector Islamic Banks

1st Jan change Capi.
BANK ALJAZIRA Stock Bank AlJazira
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Islamic Banks
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  4. Financials Bank AlJazira