Bank Aljaziraالبنك العربي الوطني
- Price
- 11.50 SAR
- Fair value
- 14.03 SAR
- Discount to fair value
- +18%
- Mkt cap
- 14.67B
- P/E
- 11.5×
- P/B
- 0.67×
- EV
- 3.80B
- Div yield
- 0.10%
- ROE
- 5.9%
- Net margin
- 28.6%
Current price11.5SAR
Fair value (est., median)14.03SAR
UndervaluedFair valueOvervalued
-18.0% below fair valueWould need to rise ~22.0% to reach fair value.
Median ofDCF 19.09Graham 19.05Residual Income 5.78Earnings Power 9
Health Check
54.8
Overall / 100
Good (66+)Caution (40–65)Risk (<40)
Rewards
- Trades 18% below estimated fair value.
- Healthy balance sheet.
Risks
- Low fair-value confidence — methods disagree or data is thin.
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 | 3.43B | 3.32B | 3.78B | 4.46B | — |
| Net Income | 1.11B | 882.21M | 1.04B | 1.28B | 1.55B |
| Net Margin | 32.3% | 26.5% | 27.4% | 28.6% | — |
| Operating Cash Flow | 4.55B | -1.68B | 1.64B | -761.49M | — |
| OCF Margin | 132.6% | -50.7% | 43.4% | -17.1% | — |
| Capital Expenditure | 203.92M | 203.97M | 252.64M | 342.35M | — |
| Free Cash Flow | 4.34B | -1.89B | 1.39B | -1.10B | — |
| FCF Margin | 126.7% | -56.8% | 36.8% | -24.7% | — |
| FCF Conversion | 391.7% | -214.0% | 134.2% | -86.5% | — |
| EPS (Diluted) | 0.87/sh | 0.69/sh | 0.81/sh | 1.00/sh | 1.21/sh |
| Dividend / Share | 0.46/sh | 0.00/sh | 0.00/sh | 0.01/sh | — |
Dividend return (if you buy today)if you buy today
Dividend yield0.10%
Dividend / share0.01
If you invest
Shares (≈)869
Est. annual income9.99
At this rate, dividends alone return your capital in ~1,000.0 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 | 0.50 | — | — | — | 0.50 | 4.3% |
| 2025 | — | — | — | — | 0.01 | 0.1% |
| 2024 | — | — | — | — | 0.00 | 0.0% |
| 2023 | — | — | — | — | 0.00 | 0.0% |
| 2022 | 0.22 | — | 0.26 | — | 0.46 | 3.0% |
Corporate actions
DCash Dividend
0.50 /sh2026-02-09
SStock Split
1.25×2025-04-29
SStock Split
1.25×2024-04-25
DCash Dividend
0.26 /sh2022-08-08
DCash Dividend
0.22 /sh2022-02-14
DCash Dividend
0.22 /sh2021-08-10
DCash Dividend
0.19 /sh2020-04-16
DCash Dividend
0.19 /sh2019-08-05
DCash Dividend
0.32 /sh2019-04-17
DCash Dividend
0.20 /sh2018-05-10
Valuation breakdown
Fair value = median of the applicable methods (DCF، 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
Values the company from the future cash it's expected to generate. · Tap to adjust assumptions
19.09
Dividend Discount Model
Values the share from the dividends it's expected to keep paying. · Tap to adjust assumptions
0.17
Graham Number
A conservative benchmark built from earnings and book value. · Tap to adjust assumptions
19.05
Residual Income (justified P/B)
Values the profit the company earns above the cost of its equity. · Tap to adjust assumptions
5.78
Earnings Power Value
Values today's earning power as-is, assuming no growth. · Tap to adjust assumptions
9.00
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)14.03
▸ Show assumptions▾ Assumptions
- Effective discount rate
- 9.79%
- 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 Bank Aljazira regularly?
Starting year
- Invested
- 1K/yr · 17K total(2010 → today · 17 yrs)
- your value today is
- 25K SAR
- Total return
- +46.9%(+15.4% Dividends · +31.5% Capital gain)
- Annualised (IRR)
- +4.6%
Invested17KSAR
Dividends2.6KSAR
Capital gain5.4KSAR
InvestedCapital gainDividendstap a bar for figures
Major shareholders
As of 2026-06-16Disclosed holders at or above the 5% reporting threshold.
البنك العربي ش م ع
40.00%
شركة راشد عبدالرحمن الراشد واولا ده
10.00%
ابراهيم عبدالرحمن محمد القنيبط
6.12%
شركة الجبر للا ستثمار
5.65%
شركة إتحاد الأخوة للتنميه
1.87% managed
5.00%
Total disclosed66.77%
The Saudi Exchange publishes only holders at or above 5%; smaller stakes are not disclosed.
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