Stock 1030 THE SAUDI INVESTMENT BANK
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Financials The Saudi Investment Bank

Equities

1030

SA0007879063

Banks

End-of-day quote Saudi Arabian S.E.
Other stock markets
 06:00:00 2024-04-27 pm EDT 		5-day change 1st Jan Change
16.78 SAR +0.48% Intraday chart for The Saudi Investment Bank +0.48% +5.14%
Mar. 25 Saudi Financial Regulator OKs Saudi Investment Bank's Proposed Capital Increase MT
Feb. 18 The Saudi Investment Bank Announces Distribution of an Interim Cash Dividends for the Second Half of the Fiscal Year 2023 CI

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 12,179 10,800 14,670 17,340 15,960 16,780 - -
Enterprise Value (EV) 1 12,179 10,800 14,670 17,340 15,960 16,780 16,780 16,780
P/E ratio 106 x 12.5 x 10.9 x 12.7 x 10 x 8.88 x 8.17 x 7.67 x
Yield - 2.5% 4.77% 4.33% - 5.04% 5.48% 5.84%
Capitalization / Revenue 4.41 x 3.79 x 5.3 x 5.31 x 4.02 x 3.97 x 3.67 x 3.45 x
EV / Revenue 4.41 x 3.79 x 5.3 x 5.31 x 4.02 x 3.97 x 3.67 x 3.45 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 1.1 x 1.03 x 0.98 x
Nbr of stocks (in thousands) 900,133 900,006 1,000,000 1,000,000 1,000,000 1,000,000 - -
Reference price 2 13.53 12.00 14.67 17.34 15.96 16.78 16.78 16.78
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 4,232 4,572 4,862
EBITDA - - - - - - - -
EBIT 1 1,584 1,632 1,484 1,833 2,310 2,354 2,596 2,985
Operating Margin 57.31% 57.34% 53.6% 56.13% 58.23% 55.64% 56.79% 61.4%
Earnings before Tax (EBT) 1 329.5 1,229 1,267 1,712 2,028 2,085 2,263 2,413
Net income 1 239 979.6 1,062 1,508 1,762 1,793 1,951 2,085
Net margin 8.65% 34.42% 38.36% 46.18% 44.41% 42.38% 42.68% 42.88%
EPS 2 0.1275 0.9600 1.340 1.370 1.590 1.890 2.053 2.187
Free Cash Flow - - - - - - - -
FCF margin - - - - - - - -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - - - - - - -
Dividend per Share 2 - 0.3000 0.7000 0.7500 - 0.8450 0.9200 0.9800
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 Q3 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4
Net sales 1 - 684.2 727.7 721.1 772.5 858.2 913.5 959.6 989.3 1,005 1,013
EBITDA - - - - - - - - - - -
EBIT 1 - 377.6 363.8 372.4 433.1 493.9 533.3 538.6 662.7 599.8 588.2
Operating Margin - 55.2% 49.99% 51.64% 56.06% 57.55% 58.38% 56.13% 66.98% 59.7% 58.07%
Earnings before Tax (EBT) - - - - - - - - 516.1 - -
Net income 1 501.3 274.3 286.1 287 320.6 550 350.2 408.9 443.8 461.6 447.3
Net margin - 40.09% 39.31% 39.8% 41.51% 64.08% 38.34% 42.61% 44.86% 45.94% 44.16%
EPS - - - - - - - - 0.3800 - -
Dividend per Share - - - - - - - - - - -
Announcement Date 7/28/21 10/26/21 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
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% 12% 12% 11.9%
ROA (Net income/ Total Assets) 0.24% 0.98% 1.05% 1.43% 1.47% 1.31% 1.27% 1.24%
Assets 1 98,233 100,365 100,740 105,349 119,528 136,896 153,220 167,695
Book Value Per Share 2 14.00 15.30 21.70 16.80 16.80 15.30 16.20 17.20
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
16.78 SAR
Average target price
18.42 SAR
Spread / Average Target
+9.80%
Consensus

EPS Revisions

Estimates Revisions

Quarterly revenue - Rate of surprise

Company calendar

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Commercial Banks
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