Riyad Bankبنك الرياض
- Price
- 20.31 SAR
- Fair value
- 24.97 SAR
- Discount to fair value
- +19%
- Mkt cap
- 80.90B
- P/E
- 7.8×
- P/B
- 1.07×
- EV
- 82.00B
- Div yield
- 6.46%
- ROE
- 13.8%
- Net margin
- 56.7%
Current price20.31SAR
Fair value (est., median)24.97SAR
UndervaluedFair valueOvervalued
-18.7% below fair valueWould need to rise ~22.9% to reach fair value.
Median ofDDM 24.67Graham 32.41Residual Income 25.26Earnings Power 23.46
Health Check
67.7
Overall / 100
Good (66+)Caution (40–65)Risk (<40)
Rewards
- Trades 18.7% below estimated fair value.
- Attractive, covered dividend (6.46%).
Risks
—
Scores are computed automatically from the real financial statements (Value from fair value; the rest from growth, profitability, balance sheet and dividends). A decision aid, not investment advice.
Price, corporate actions & news
Demo series
D — DividendS — Split▲ good · ▼ bad newstap a marker for details
Growth & profitability
Revenue, net income and margin.
RevenueNet incomeNet margin %tap a bar for figures
Key figures
Covers 4 years · FY2022–FY2025
| Metric | FY'22 | FY'23 | FY'24 | FY'25 | TTM'26 |
|---|---|---|---|---|---|
| Revenue | 13.33B | 15.76B | 17.25B | 18.35B | — |
| Net Income | 7.02B | 8.05B | 9.32B | 10.41B | 10.54B |
| Net Margin | 52.7% | 51.1% | 54.0% | 56.7% | — |
| Operating Cash Flow | 2.00B | -5.92B | 10.35B | -23.89B | — |
| OCF Margin | 15.0% | -37.6% | 60.0% | -130.2% | — |
| Capital Expenditure | 1.30B | 2.95B | 1.77B | 1.98B | — |
| Free Cash Flow | 700.87M | -8.87B | 8.57B | -25.87B | — |
| FCF Margin | 5.3% | -56.3% | 49.7% | -140.9% | — |
| FCF Conversion | 10.0% | -110.2% | 92.0% | -248.4% | — |
| EPS (Diluted) | 1.76/sh | 2.02/sh | 2.34/sh | 2.61/sh | 2.65/sh |
| Dividend / Share | 0.78/sh | 0.97/sh | 1.16/sh | 1.31/sh | — |
Dividend return (if you buy today)if you buy today
Dividend yield6.46%
Dividend / share1.31
If you invest
Shares (≈)492
Est. annual income645.75
At this rate, dividends alone return your capital in ~15.5 years.
Dividend history
Dividend / share & historical yield (SAR).
Dividend / share yield %tap a bar for figures
Quarterly dividends & yield
Per-share dividends by quarter, full-year total, and yield on the year's average price · SAR
| Year | Q1 | Q2 | Q3 | Q4 | Full year | Yield (avg) |
|---|---|---|---|---|---|---|
| 2026 | — | 0.41 | — | — | 0.41 | 2.0% |
| 2025 | — | 0.68 | 0.64 | — | 1.31 | 6.2% |
| 2024 | 0.56 | — | 0.60 | — | 1.16 | 5.7% |
| 2023 | 0.49 | — | 0.49 | — | 0.97 | 4.3% |
| 2022 | — | 0.41 | 0.38 | — | 0.78 | 3.0% |
Corporate actions
SStock Split
1.333333×2026-04-06
DCash Dividend
0.41 /sh2026-04-06
DCash Dividend
0.64 /sh2025-08-05
DCash Dividend
0.68 /sh2025-04-14
DCash Dividend
0.60 /sh2024-08-12
DCash Dividend
0.56 /sh2024-03-25
DCash Dividend
0.49 /sh2023-07-30
DCash Dividend
0.49 /sh2023-03-27
DCash Dividend
0.38 /sh2022-07-31
DCash Dividend
0.41 /sh2022-04-13
Valuation breakdown
Fair value = median of the applicable methods (DDM، Graham، Residual Income، Earnings Power).
Each method below is a different lens on the same company — no single method dominates the result.
Discounted Cash Flow
Excluded — non-positive free cash flow
N/A
Dividend Discount Model
Values the share from the dividends it's expected to keep paying. · Tap to adjust assumptions
24.67
Graham Number
A conservative benchmark built from earnings and book value. · Tap to adjust assumptions
32.41
Residual Income (justified P/B)
Values the profit the company earns above the cost of its equity. · Tap to adjust assumptions
25.26
Earnings Power Value
Values today's earning power as-is, assuming no growth. · Tap to adjust assumptions
23.46
DCF only is anchored on FY2025 — the latest year with positive cash flow that supports a value. The other methods (DDM, Graham, RIM, EPV) use current / normalized figures.
Fair Value (median)24.97
▸ Show assumptions▾ Assumptions
- Effective discount rate
- 8.48%
- CAPM cost of equity
- 10.50%
- Risk-free rate
- 4.50%
- Equity risk premium
- 6.00%
- DCF growth (stage 1)
- 8.00%
- DCF terminal growth
- 3.00%
- DCF forecast years
- 5
- DDM dividend growth
- 3.00%
Tune these per company in the Hajras Odoo backend; values recompute automatically.
Wealth simulator
What if you'd invested in Riyad Bank regularly?
Starting year
- Invested
- 1K/yr · 15K total(2012 → today · 15 yrs)
- your value today is
- 29K SAR
- Total return
- +93.5%(+39.6% Dividends · +53.9% Capital gain)
- Annualised (IRR)
- +9.7%
Invested15KSAR
Dividends5.9KSAR
Capital gain8.1KSAR
InvestedCapital gainDividendstap a bar for figures
Major shareholders
As of 2026-06-16Disclosed holders at or above the 5% reporting threshold.
صندوق الاستثمارات العامه
21.75%
المؤسسه العامه للتامينات الا جتماعيه
10.39%
شركة النهله للتجارة و المقاولات
8.74%
شركة اصيلة للاستثمار مساهمة مقفلة
8.00%
Total disclosed48.88%
The Saudi Exchange publishes only holders at or above 5%; smaller stakes are not disclosed.
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