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Bank Albilad

Bank Albilad

TTADAWUL:1140
20.30
SAR
-0.47
(-2.26%)
36.59BMarket Cap
Feb 09Next Earn
Bank Albilad
TADAWUL:1140
(Saudi Exchange)

Recent

price

20.30

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
SAR
1.67
0.88
1.12
1.23
1.35
1.46
1.65
1.96
2.29
2.64
2.86
3.07
3.47
3.56
3.79
4.15
- -
Revenue per Share
0.2
0.22
0.63
0.49
0.58
0.53
0.54
0.63
0.41
0.83
0.9
1.13
1.39
1.59
1.88
2.05
- -
Basic EPS, GAAP
0.85
3.47
-2.67
1.29
1.07
-0.12
-0.06
1.18
1.88
0.38
0.9
1.63
5.71
0.65
4.87
2.74
- -
Free Cash Flow per Basic Share
0.02
0.04
- -
- -
- -
0.13
- -
0.32
0.16
0.2
0.25
- -
- -
0.34
0.75
0.45
- -
Dividend per Share
5.83
2.28
2.91
3.4
3.93
4.29
4.74
5.06
5.22
6.28
7.16
7.99
8.93
10.17
11.13
14.24
15.85
Book Value per Share
5.83
2.28
2.91
3.4
3.93
4.29
4.74
5.06
5.22
6.28
7.16
7.99
8.93
10.17
11.13
14.24
15.85
Tangible Book Value per Share
1,500
1,500
1,500
1,500
1,500
1,500
1,487
1,490
1,492
1,492
1,492
1,494
1,493
1,490
1,491
1,491
1,534
Basic Weighted Avg Shares
2,500
1,325
1,686
1,840
2,030
2,191
2,451
2,921
3,416
3,945
4,262
4,589
5,174
5,303
5,654
6,186
- -
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
233
89
88
89
96
101
96
105
108
249
260
276
290
298
273
303
- -
Depreciation Expense
295
330
942
729
864
788
808
942
613
1,244
1,349
1,687
2,082
2,369
2,807
3,049
- -
Net Income, GAAP
- -
- -
- -
- -
- -
- -
- -
- -
44.83
10.31
10.2
10.3
10.3
10.3
10.3
10.3
- -
Effective Tax Rate (%)
11.79
24.87
55.87
39.63
42.56
35.99
32.95
32.25
17.94
31.52
31.64
36.75
40.23
44.67
49.64
49.29
- -
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
300
130
- -
- -
- -
- -
2,007
2,007
2,009
2,540
2,454
3,499
3,560
3,422
3,429
3,564
- -
LT Debt
4,372
3,416
4,371
5,101
5,891
6,442
7,152
7,589
7,833
9,426
10,741
11,980
13,399
15,258
16,693
21,356
23,770
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
6.68
8.02
23.79
15.4
15.72
12.78
10.34
10.11
6.3
11.41
10.72
11.76
12.83
13.29
14.47
13.54
- -
Return on Capital (%)
6.91
8.46
24.19
15.4
15.72
12.78
11.92
12.82
7.95
14.41
13.37
14.85
16.4
16.53
17.57
16.03
- -
Return on Common Equity (%)

Capital Structure

SAR

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
1,500
1,500
1,500
Market Capitalization
37,230
40,650
36,585

Working Capital

SAR

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
15,500
14,993
17,048
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

SAR

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
12.92%
14.92%
27.93%
Free Cash Flow
-117.97%
168.49%
-43.69%
Net Income, GAAP
18.5%
17.88%
8.65%
Sales/Revenue/Turnover
11.05%
7.79%
9.41%
Total Cash Common Dividend
- -
- -
-40%

Quarterly Revenue

SAR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1,341
1,408
1,446
1,459
5,654
2025
1,464
1,541
- -
1,647
6,186
2026
1,529
1,613
- -
- -
- -

Quarterly Earnings Per Share

SAR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.43
0.45
0.47
0.53
1.88
2025
0.47
0.51
- -
0.54
2.05
2026
0.49
0.48
- -
- -
- -

Quarterly Dividends Per Share

SAR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
0.42
- -
0.75
2025
- -
- -
- -
- -
0.45
2026
- -
- -
- -
- -
- -
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Business
Bank Albilad (1140.SR) operates as a Saudi joint stock Sharia-compliant commercial bank offering a comprehensive range of retail, corporate, investment, and treasury banking products and services; these include current and savings accounts, personal financing, vehicle and real estate financing, credit, debit and prepaid cards, cash management, trade finance, project financing, SME-specific accounts and advisory services, remittances via its Enjaz subsidiary, asset management and brokerage through Albilad Capital, and digital banking via its mobile app supporting payments, notifications and beneficiary management. The bank maintains an extensive physical and digital network across the Kingdom of Saudi Arabia with over 150 branches, nearly 1,000 ATMs, 177 Enjaz remittance centers, and AI-enhanced customer service driving a 9.8% rise in retail banking revenue in 2024. Founded in 2004 and headquartered at Al Mutamarat in Riyadh, Bank Albilad serves individual, corporate, SME and public sector clients primarily in Saudi Arabia under the supervision of the Saudi Central Bank. In October 2025, its subsidiary Albilad Capital signed a strategic cooperation agreement with State Street Corporation to enhance securities services, combining global expertise with local market knowledge to support Saudi Vision 2030 capital market development. The bank increased its capitalization to 10 billion Saudi riyals in 2022 via a rights issue and continues digital transformation initiatives through its Horizon Financial Innovation Center.