1. Saudi Arabia Stocks

  2. •

    Finance

  3. •

    Major banks
Saudi National Bank

Saudi National Bank

TTADAWUL:1180
34.62
SAR
-1.86
(-5.10%)
4.17EPS
9.26P/E
229.45BMarket Cap
Feb 03Next Earn
Saudi National Bank
TADAWUL:1180
(Saudi Exchange)

Recent

price

34.62

P/E

ratio

9.26

div

yld

- -

ROIC.AI

2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
SAR
3.72
4.11
4.45
4.72
4.7
4.85
5.21
5.5
5.41
5.73
6.03
6.29
6.87
6.77
Revenue per Share
1.97
2.17
2.28
2.33
2.46
2.41
2.86
2.87
2.33
3.12
3.36
3.57
4.21
4.18
Basic EPS, GAAP
0.94
2.39
-5.55
0.24
0.2
0.95
9.84
4.87
3
-1.06
4.57
-7.41
0.97
-0.01
Free Cash Flow per Basic Share
0.68
0.81
0.72
0.68
1.05
1.05
1.65
0.9
1.2
1.51
1.31
1.82
2.02
- -
Dividend per Share
10.26
11.33
13.58
14.71
15.8
16.24
17.16
19.92
27.42
28.05
29.61
32.39
34.27
36.11
Book Value per Share
10.04
11.16
13.46
14.63
15.73
16.04
17.16
19.92
20.28
21.05
22.78
25.71
27.71
29.62
Tangible Book Value per Share
3,986
3,989
3,989
3,998
3,990
3,986
3,989
3,989
5,433
5,947
5,948
5,945
5,942
6,120
Basic Weighted Avg Shares
14,817
16,387
17,753
18,874
18,748
19,332
20,775
21,941
29,417
34,071
35,890
37,402
40,844
41,453
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
667
690
804
761
654
607
866
901
1,796
2,280
2,279
2,608
2,304
2,376
Depreciation Expense
7,852
8,655
9,089
9,317
9,802
9,594
11,401
11,440
12,668
18,581
20,010
21,193
25,013
25,552
Net Income, GAAP
- -
- -
- -
- -
- -
10.23
11.11
10.62
11.55
11.98
11.7
10.68
10.41
10.61
Effective Tax Rate (%)
52.99
52.82
51.2
49.36
52.28
49.63
54.88
52.14
43.06
54.54
55.75
56.66
61.24
61.64
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
1,511
9,550
9,941
9,918
10,250
9,431
2,841
3,528
8,195
14,809
45,614
96,445
133,251
142,705
LT Debt
42,536
46,921
55,546
59,926
64,276
65,669
69,343
80,215
162,770
166,778
176,629
193,275
203,827
214,860
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
16.95
14.81
13.62
13.35
12.65
15.37
14.52
9.86
10.46
9.86
8.32
7.99
7.78
Return on Capital (%)
- -
20.09
18.29
16.5
16.1
15.02
17.12
15.47
10.49
11.32
11.71
11.5
12.64
12.53
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
5,931
5,935
5,935
Market Capitalization
224,666
248,202
229,447

Working Capital

SAR

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
66,773
73,505
87,611
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
16.48%
25.23%
5.46%
Free Cash Flow
8.6%
-212.17%
-113.02%
Net Income, GAAP
11.38%
17.81%
18.03%
Sales/Revenue/Turnover
9.05%
13.73%
9.2%
Total Cash Common Dividend
21.57%
31.01%
11.11%

Quarterly Revenue

SAR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
9,256
9,278
9,533
9,398
37,402
2025
9,930
9,882
- -
10,341
40,844
2026
10,193
11,038
- -
- -
- -

Quarterly Earnings Per Share

SAR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.82
0.84
0.87
0.93
3.57
2025
0.96
0.99
- -
1.08
4.21
2026
1.04
1.07
- -
- -
- -

Quarterly Dividends Per Share

SAR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
0.88
- -
1.82
2025
0.96
- -
- -
- -
2.02
2026
- -
- -
- -
- -
- -
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Business
The Saudi National Bank (SNB) is the largest commercial bank in Saudi Arabia, offering a comprehensive range of banking and investment services across the Kingdom and internationally. Its core products and services include commercial banking; current, savings, time, and deposit accounts; auto leasing; home financing and mortgage lending; corporate loans; currency exchange; money transfer; asset management; share brokerage; initial public offering subscription; private banking; and digital banking services under its NEO platform. SNB also provides Shariah-compliant banking products and operates subsidiaries and affiliates in multiple countries. The bank serves retail, corporate, and institutional clients, leveraging its position as the largest institutional and specialized financier in Saudi Arabia. Its strategic focus aligns with Saudi Vision 2030, supporting mega projects and economic transformation in the Kingdom. Founded in 1953 and headquartered in Riyadh, SNB was formerly known as The National Commercial Bank until its 2021 merger with Samba Financial Group, a landmark $15 billion transaction which created one of the Arabian Gulf’s largest banks. Recent major developments include a SAR 3.4 billion mortgage portfolio acquisition agreement signed in early 2025 with the Saudi Real Estate Refinance Company to enhance liquidity and sustainability in the secondary mortgage market. SNB also raised SAR 6 billion through a Tier 1 sukuk issuance in late 2024 to strengthen its capital in line with Basel III standards, with plans for additional sukuk issuance in 2025. The bank is expanding its digital offerings through "NEO" digital banking and has launched new financing portfolios under its Ahalina program to support entrepreneurship and SME development in partnership with Saudi Arabia’s Social Development Bank. Additionally, SNB is actively engaged in significant syndicated loan transactions to fund Saudi Arabia’s economic overhaul, including a recent US$1 billion syndicated loan to support regional growth and diversification efforts. The bank is publicly traded under ticker 1180.SR and is majority-owned by the Saudi government through its Public Investment Fund and the General Organization for Social Insurance. SNB’s robust balance sheet, diverse product offerings, strategic acquisitions, and partnerships position it as a leading financial institution facilitating trade, capital flows, and development within Saudi Arabia and beyond.