The Saudi Investment Bankالإستثمار
- Price
- 13.40 SAR
- Fair value
- 14.95 SAR
- Discount to fair value
- +10%
- Mkt cap
- 16.75B
- P/E
- 8.0×
- P/B
- 0.75×
- EV
- 12.26B
- Div yield
- 5.96%
- ROE
- 9.3%
- Net margin
- 43.9%
Current price13.4SAR
Fair value (est., median)14.95SAR
UndervaluedFair valueOvervalued
-10.3% below fair valueWould need to rise ~11.5% to reach fair value.
Median ofDCF 34.74DDM 12.29Graham 25.17Residual Income 13.75Earnings Power 14.95
Health Check
73.1
Overall / 100
Good (66+)Caution (40–65)Risk (<40)
Rewards
- Trades 10.3% below estimated fair value.
- Healthy balance sheet.
- Attractive, covered dividend (5.96%).
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 detailsDemo series
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 | 3.28B | 3.95B | 4.16B | 4.78B | — |
| Net Income | 1.37B | 1.59B | 1.79B | 2.10B | 2.45B |
| Net Margin | 41.6% | 40.3% | 42.9% | 43.9% | — |
| Operating Cash Flow | -3.03B | 9.72B | 4.52B | 1.39B | — |
| OCF Margin | -92.3% | 245.9% | 108.6% | 29.0% | — |
| Capital Expenditure | 453.38M | 218.43M | 382.65M | 362.29M | — |
| Free Cash Flow | -3.48B | 9.50B | 4.14B | 1.02B | — |
| FCF Margin | -106.1% | 240.4% | 99.4% | 21.4% | — |
| FCF Conversion | -255.1% | 596.1% | 231.7% | 48.9% | — |
| EPS (Diluted) | 1.09/sh | 1.28/sh | 1.43/sh | 1.68/sh | 1.96/sh |
| Dividend / Share | 0.66/sh | 0.68/sh | 0.72/sh | 0.80/sh | — |
Dividend return (if you buy today)if you buy today
Dividend yield5.96%
Dividend / share0.80
If you invest
Shares (≈)746
Est. annual income595.53
At this rate, dividends alone return your capital in ~16.8 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 | — | — | — | — | — | — |
| 2025 | — | — | — | — | 0.80 | — |
| 2024 | — | — | — | — | 0.72 | — |
| 2023 | — | — | — | — | 0.68 | — |
| 2022 | — | — | — | — | 0.66 | — |
Valuation breakdown
Fair value = median of the applicable methods (DCF، 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
Values the company from the future cash it's expected to generate. · Tap to adjust assumptions
34.74
Dividend Discount Model
Values the share from the dividends it's expected to keep paying. · Tap to adjust assumptions
12.29
Graham Number
A conservative benchmark built from earnings and book value. · Tap to adjust assumptions
25.17
Residual Income (justified P/B)
Values the profit the company earns above the cost of its equity. · Tap to adjust assumptions
13.75
Earnings Power Value
Values today's earning power as-is, assuming no growth. · Tap to adjust assumptions
14.95
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)14.95
▸ Show assumptions▾ Assumptions
- Effective discount rate
- 9.69%
- 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 The Saudi Investment Bank regularly?
Starting year
- Invested
- 1K/yr · 1K total(2026 → today · 1 yrs)
- your value today is
- 1.1K SAR
- Total return
- +6.0%(+6.0% Dividends · +0.0% Capital gain)
- Annualised (IRR)
- +14.0%
Invested1KSAR
Dividends60SAR
Capital gain0SAR
InvestedCapital gainDividendstap a bar for figures
Community Notes0
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