Saudi Awwal Bankالأول
- Price
- 33.72 SAR
- Fair value
- 36.96 SAR
- Discount to fair value
- +9%
- Mkt cap
- 69.29B
- P/E
- 8.2×
- P/B
- 0.87×
- EV
- 50.72B
- Div yield
- 5.58%
- ROE
- 10.7%
- Net margin
- 56.9%
Current price33.72SAR
Fair value (est., median)36.96SAR
UndervaluedFair valueOvervalued
-8.8% below fair valueTrading close to fair value.
Median ofDCF 108.17DDM 27.98Graham 58.07Residual Income 36.3Earnings Power 36.96
Health Check
76.2
Overall / 100
Good (66+)Caution (40–65)Risk (<40)
Rewards
- Healthy balance sheet.
- Attractive, covered dividend (5.58%).
- Above-average growth expected.
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 | 9.65B | 12.81B | 14.14B | 14.84B | — |
| Net Income | 4.83B | 7.00B | 8.07B | 8.45B | 8.40B |
| Net Margin | 50.0% | 54.6% | 57.1% | 56.9% | — |
| Operating Cash Flow | 30.55B | 8.29B | -748.93M | 7.66B | — |
| OCF Margin | 316.4% | 64.7% | -5.3% | 51.6% | — |
| Capital Expenditure | 661.03M | 554.77M | 893.38M | 769.94M | — |
| Free Cash Flow | 29.89B | 7.74B | -1.64B | 6.89B | — |
| FCF Margin | 309.6% | 60.4% | -11.6% | 46.4% | — |
| FCF Conversion | 619.1% | 110.5% | -20.3% | 81.5% | — |
| EPS (Diluted) | 2.35/sh | 3.41/sh | 3.93/sh | 4.11/sh | 4.09/sh |
| Dividend / Share | 0.96/sh | 1.69/sh | 1.92/sh | 1.88/sh | — |
Dividend return (if you buy today)if you buy today
Dividend yield5.58%
Dividend / share1.88
If you invest
Shares (≈)296
Est. annual income557.34
At this rate, dividends alone return your capital in ~17.9 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 | — | — | — | — | 1.88 | — |
| 2024 | — | — | — | — | 1.92 | — |
| 2023 | — | — | — | — | 1.69 | — |
| 2022 | — | — | — | — | 0.96 | — |
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
108.17
Dividend Discount Model
Values the share from the dividends it's expected to keep paying. · Tap to adjust assumptions
27.98
Graham Number
A conservative benchmark built from earnings and book value. · Tap to adjust assumptions
58.07
Residual Income (justified P/B)
Values the profit the company earns above the cost of its equity. · Tap to adjust assumptions
36.30
Earnings Power Value
Values today's earning power as-is, assuming no growth. · Tap to adjust assumptions
36.96
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)36.96
▸ Show assumptions▾ Assumptions
- Effective discount rate
- 9.93%
- 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 Saudi Awwal Bank regularly?
Starting year
- Invested
- 1K/yr · 1K total(2026 → today · 1 yrs)
- your value today is
- 1.1K SAR
- Total return
- +5.6%(+5.6% Dividends · 0.0% Capital gain)
- Annualised (IRR)
- +13.1%
Invested1KSAR
Dividends56SAR
Capital gain0SAR
InvestedCapital gainDividendstap a bar for figures
Community Notes0
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