Stock 1150 ALINMA BANK
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Financials Alinma Bank

Equities

1150

SA122050HV19

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
32.5 SAR -0.15% Intraday chart for Alinma Bank -3.39% +5.11%
Apr. 25 Fitch Keeps Alinma Bank's Ratings on Improved Profitability, Sound Asset-Quality Metrics MT
Apr. 24 Saudi Exchange Sets Fluctuation Limits for Alinma Bank’s Capital Increase MT

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 38,025 32,360 47,920 65,100 77,300 81,250 - -
Enterprise Value (EV) 1 38,025 32,360 47,920 65,100 77,300 81,250 81,250 81,250
P/E ratio 14.9 x 16.3 x 18.3 x 18.8 x 16.6 x 14.8 x 13.6 x 12.2 x
Yield 3.94% 1.85% 3.13% 2.92% - 2.92% 3.12% 3.47%
Capitalization / Revenue 6.78 x 5.64 x 7.19 x 8.18 x 7.95 x 7.37 x 6.74 x 6.14 x
EV / Revenue 6.78 x 5.64 x 7.19 x 8.18 x 7.95 x 7.37 x 6.74 x 6.14 x
EV / EBITDA - - - - - - - -
EV / FCF - - - - - - - -
FCF Yield - - - - - - - -
Price to Book 1.68 x 1.32 x 1.55 x 2.03 x 2.24 x 2.46 x 2.18 x 2 x
Nbr of stocks (in thousands) 2,500,000 2,500,000 2,500,000 2,500,000 2,500,000 2,500,000 - -
Reference price 2 15.21 12.94 19.17 26.04 30.92 32.50 32.50 32.50
Announcement Date 2/2/20 2/11/21 2/14/22 2/2/23 2/7/24 - - -
1SAR in Million2SAR
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 5,610 5,734 6,667 7,963 9,726 11,027 12,048 13,240
EBITDA - - - - - - - -
EBIT 1 3,534 3,621 4,302 5,198 6,682 7,667 8,525 9,548
Operating Margin 62.99% 63.15% 64.53% 65.28% 68.7% 69.53% 70.76% 72.12%
Earnings before Tax (EBT) 1 2,816 2,202 3,022 4,013 5,396 6,374 6,981 7,762
Net income 1 2,535 1,966 2,709 3,590 4,839 5,543 6,067 6,669
Net margin 45.18% 34.29% 40.64% 45.08% 49.75% 50.27% 50.36% 50.37%
EPS 2 1.020 0.7920 1.048 1.384 1.864 2.194 2.390 2.655
Free Cash Flow - - - - - - - -
FCF margin - - - - - - - -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - - - - - - -
Dividend per Share 2 0.6000 0.2400 0.6000 0.7600 - 0.9488 1.016 1.127
Announcement Date 2/2/20 2/11/21 2/14/22 2/2/23 2/7/24 - - -
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 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1
Net sales 1 - 1,724 1,669 1,808 1,932 2,075 2,148 2,179 2,437 2,541 2,569 2,527 2,741 2,796 2,875 -
EBITDA - - - - - - - - - - - - - - - -
EBIT 1 - 774.7 998.2 1,165 1,269 1,366 1,398 1,422 1,690 1,775 1,795 1,828 - - - -
Operating Margin - 44.95% 59.79% 64.47% 65.67% 65.81% 65.09% 65.23% 69.35% 69.87% 69.87% 72.34% - - - -
Earnings before Tax (EBT) 1 - 822.9 691 - 1,031 1,103 959.2 1,081 1,366 1,476 - 1,520 1,627 1,693 1,721 -
Net income 1 1,352 738.1 619.1 824.7 925.1 989 860.2 969.9 1,225 1,324 1,320 1,300 1,421 1,456 1,474 -
Net margin - 42.82% 37.09% 45.63% 47.88% 47.65% 40.05% 44.5% 50.27% 52.11% 51.38% 51.46% 51.83% 52.09% 51.28% -
EPS 2 - 0.2800 0.2240 0.2480 0.4320 0.3840 0.3200 0.3680 0.4720 0.5120 0.5120 0.5282 0.5470 0.5530 0.5592 -
Dividend per Share 2 - - - - - - - - - - - 0.2183 0.2242 0.2195 0.2273 0.2555
Announcement Date 8/5/21 11/1/21 2/14/22 5/12/22 7/27/22 11/1/22 2/2/23 5/10/23 7/27/23 11/1/23 2/7/24 - - - - -
1SAR in Million2SAR
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) 11.6% 8.39% 9.83% 11.5% 14.6% 17.5% 16.7% 17%
ROA (Net income/ Total Assets) 2% 1.36% 1.64% 1.93% 2.21% 2.14% 2.12% 2.05%
Assets 1 126,589 144,357 165,207 186,494 218,564 259,138 286,800 325,579
Book Value Per Share 2 9.040 9.840 12.40 12.80 13.80 13.20 14.90 16.30
Cash Flow per Share - - - - - - - -
Capex - - - - - - - -
Capex / Sales - - - - - - - -
Announcement Date 2/2/20 2/11/21 2/14/22 2/2/23 2/7/24 - - -
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 Alinma Bank

Trading Rating
Investor Rating
ESG Refinitiv
C-
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
HOLD
Number of Analysts
16
Last Close Price
32.5 SAR
Average target price
35.23 SAR
Spread / Average Target
+8.40%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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Islamic Banks
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  4. Financials Alinma Bank