1. Saudi Arabia Stocks

  2. •

    Finance

  3. •

    Major banks
Alinma Bank

Alinma Bank

TTADAWUL:1150
21.46
SAR
-0.53
(-2.41%)
73.32BMarket Cap
Feb 03Next Earn
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
0.77
0.88
0.99
1.08
1.45
1.6
1.88
1.91
2.23
2.67
3.25
3.67
3.97
- -
Basic EPS, GAAP
0.34
0.43
0.49
0.5
0.67
0.84
0.85
0.66
0.91
1.21
1.62
1.96
2.14
- -
Free Cash Flow per Basic Share
-0.19
1.45
0.79
1.77
-1.31
1.07
0.52
2.6
-1.02
2.59
2.61
1.66
-1.18
- -
Dividend per Share
- -
0.02
0.36
0.26
0.26
0.4
0.5
- -
0.43
0.57
0.9
0.67
1
0.25
Book Value per Share
5.61
5.98
6.12
6.39
6.83
7.1
7.48
8.14
10.24
10.63
11.52
13.9
16.18
16.71
Tangible Book Value per Share
5.5
5.87
6.02
6.3
6.74
7.1
7.48
8.14
10.24
10.63
11.52
13.9
16.18
16.71
Basic Weighted Avg Shares
2,970
2,970
2,980
2,980
2,980
2,980
2,981
2,981
2,982
2,985
2,985
2,982
2,984
3,041
Sales/Revenue/Turnover
2,279
2,603
2,951
3,210
4,320
4,771
5,604
5,680
6,643
7,968
9,686
10,934
11,841
- -
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
154
154
161
164
200
178
273
251
251
279
325
354
431
- -
Net Income, GAAP
1,005
1,264
1,470
1,502
2,011
2,517
2,535
1,966
2,709
3,599
4,839
5,832
6,397
- -
Effective Tax Rate (%)
- -
- -
- -
- -
- -
- -
10
10.71
10.33
10.31
10.31
10.31
10.23
- -
Profit Margin (%)
44.09
48.58
49.81
46.8
46.56
52.76
45.23
34.61
40.78
45.17
49.96
53.33
54.02
- -
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
20,488
26,823
29,262
36,434
42,987
35,690
44,814
50,568
41,772
63,055
97,714
102,151
125,654
138,984
Total Equity
16,832
17,939
18,352
19,178
20,344
21,298
22,445
24,429
30,711
31,876
34,334
41,442
48,241
50,124
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
3.14
3.08
3.18
2.91
3.38
4.18
4.08
2.76
3.67
4.3
4.26
4.23
4.03
- -
Return on Common Equity (%)
6
7.27
8.1
8.01
10.18
12.09
11.59
8.39
9.83
11.5
14.62
15.39
14.27
- -

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
2,981
2,981
3,000
Market Capitalization
60,562
71,690
73,320

Working Capital

SAR

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
15,405
18,295
19,438
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
10.38%
14.87%
16.41%
Free Cash Flow
-58.63%
-140.34%
-171.42%
Net Income, GAAP
17.48%
27.06%
9.7%
Sales/Revenue/Turnover
15.22%
15.93%
8.3%
Total Cash Common Dividend
- -
- -
50.1%

Quarterly Revenue

SAR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
2,566
2,739
2,818
2,811
10,934
2025
2,813
2,940
- -
3,133
11,841
2026
3,008
3,116
- -
- -
- -

Quarterly Earnings Per Share

SAR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.44
0.48
0.53
0.51
1.96
2025
0.51
0.51
- -
0.57
2.14
2026
0.56
0.5
- -
- -
- -

Quarterly Dividends Per Share

SAR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
0.21
0.25
0.67
2025
- -
- -
- -
0.25
1
2026
- -
- -
- -
- -
- -

Company Description

Company Profile APIChatGPT
CEO
Abdullah Ali Abdullah Al-Khalifa
Full Time Employees
4,216
Sector
Finance
Industry
Major banks
Address
Al Anoud Tower Riyadh Riyadh Province Saudi Arabia 11586
IPO Date
Mar 6, 2008
Website
alinma.com
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Business
Alinma Bank is a Saudi joint stock company founded in 2006 and headquartered in Riyadh, Kingdom of Saudi Arabia. It operates as a Shariah-compliant Islamic financial institution offering comprehensive banking and investment services domestically. The bank’s core products and services encompass retail banking, corporate banking, treasury operations, investment and brokerage services, and real estate financing. Its retail segment provides personal finance, auto leasing, credit cards, current accounts, family accounts, education accounts, and online banking platforms. The corporate segment delivers tailored financing solutions for small and medium enterprises and larger corporate clients, supported by treasury and capital market services through its subsidiary Alinma Capital. Digital banking services are facilitated via the alinma App, Internet banking, digital branches, and the alinma API Portal. Recent major developments include a strategic partnership with Huawei to accelerate digital transformation efforts and the launch of an integrated sustainability strategy aligned with local and global standards. Alinma Bank is focusing on strengthening core banking activities targeting mid-corporate and SME sectors, projecting a compound annual growth rate (CAGR) of 8.9% in net interest income and 10.2% in loan growth through 2028. Expansion efforts include enhancing asset management and capital market services via Alinma Capital, advancing merchant services and fintech investments through Alinmapay, and developing new financial product capabilities via Alinma SPV Limited. The bank has also updated its strategic guidance as of 2024, improving cost of risk metrics and emphasizing disciplined growth, digital transformation, and improved asset quality. Alinma Bank serves customers primarily in Saudi Arabia but aims to expand its fintech and investment offerings. It stands as a key player in the Kingdom’s Islamic banking sector with a capital base of SAR 25 billion and a workforce exceeding 4,000 employees. The bank continues to innovate in digital channels and sustainable banking aligned with Saudi Arabia’s Vision 2030 economic diversification goals. This description reflects the latest developments and comprehensive overview of Alinma Bank’s business activities and strategic initiatives as of late 2025.