Riyad Bank

$ 20.95 0.24 %

Established in 1957 and headquartered in Riyadh, Saudi Arabia, Riyad Bank operates as a prominent financial services provider, delivering a comprehensive range of banking and investment solutions within the Kingdom and internationally. Its activities are structured across several key divisions. The Retail Banking segment focuses on individual clients and small to medium-sized enterprises (SMEs), offering essential services such as deposit accounts, various credit options, and investment products. Corporate Banking caters to larger businesses, providing current accounts, deposit facilities, loans, overdrafts, and other tailored credit arrangements. The Treasury and Investments division is responsible for managing investment portfolios and engaging in money market, trading, treasury, and derivative product activities. The Investment Banking and Brokerage unit specializes in investment and asset management, encompassing services like securities dealing, management, arrangement, advisory, and custody. Beyond these core segments, Riyad Bank extends its product offerings to include diverse financial tools such as prepaid, reward, and credit cards; trade finance, payroll processing, and cash deposit solutions; time deposits; and sweeping services. It also offers a full spectrum of financing options, including working capital, personal, car, home, contract, capital expenditure, and project funding, in addition to syndicated loans and Sharia-compliant Islamic banking products. Modern digital banking services are also a key component of its offerings. The bank further engages in real estate acquisition and sales and acts as an authorized agent for insurance products. Its extensive operational reach is supported by a network of branches across Saudi Arabia, the United Kingdom, and the United States, complemented by a representative office in Singapore, numerous ATMs, and a wide array of points of sale.

CEO: Nadir Sami Al Koraya - https://www.riyadbank.com

Price objectif

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Recommandation

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DCF

$ 28.52

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1010.SR vs S&P500

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Quick ratio

0.14

indicates that the company may have difficulty covering its short-term debts with its readily available assets.

P/E ratio

8.38

may indicate that the company is undervalued or has poor growth prospects.

EPS

2.50

is the net profit of a company divided by the number of outstanding shares, indicating the profit earned per share.

ROE

14.42 %

reflects reasonable profitability, showing good use of equity.

ROIC

6.92 %

does not generate enough return to cover its financing costs, which indicates value destruction and may pose long-term profitability issues.

WACC

14.24

is a company's average cost of capital, weighted by the proportion of debt and equity in its financing. It represents the minimum return the company must generate to satisfy its investors.

Debt-to-Equity Ratio

0.65

indicates that the company uses more equity than debt, suggesting prudent management.

Free cash flow per share

5.41

is a measure of a company's financial flexibility that is determined by dividing free cash flow by the total number of shares outstanding.

Dividend payout ratio

50.25 %

indicates that the company is retaining a large portion of its profits to reinvest in growth

Earnings per share

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Financials

Piotroski score
6 indicates moderate financial health
Altman score
-0.47 indicates a high risk of bankruptcy
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Cash / Debt

Cash Ratio
0.14 indicates liquidity risk, as the company may not have enough cash to meet its immediate obligations
Debt Ratio
0.10 indicates that the company uses little debt to finance its assets, suggesting good financial stability
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Free Cash Flow

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Earnings Per Share (annual)

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Sales

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