1111TASIBalanced
Bank AlBilad
بنك البلاد
Fair Value (median)
193.03 SAR
Current Price
137.10
Fair
Now
Undervalued
Discount +29.0%· upside +40.8%
Blended from: DCF · DDM · Graham
Health Check
48.3
Overall / 100
Value79
Future25.3
Past51.6
Health70.1
Dividend15.3
Value79/100
Trades about 29% below its estimated fair value.
- Discount to fair value
- 29%
- Price to book
- —
- Fair-value confidence
- —
Future25.3/100
Modest growth of about 8% a year is expected.
- Forecast growth (rev.)
- 8%
- Revenue CAGR (3y)
- 5%
- Earnings CAGR (3y)
- -2.3%
Past51.6/100
A steady, profitable operating history.
- Return on equity
- 11.5%
- Net margin
- 31.4%
- Earnings CAGR (3y)
- -2.3%
- Profitable years
- 4/4
Health70.1/100
Balance sheet is manageable.
- Debt to equity
- 17%
- Net debt to equity
- 14.6%
- Cash covers total debt
- No
- Free cash flow
- Positive
Dividend15.3/100
Yields 2.44% but pays out more than it earns — watch sustainability.
- Dividend yield
- 2.44%
- Payout ratio
- 101.6%
- Covered by free cash flow
- No
- Years paying
- 4
- Dividend growth
- —
Rewards
- Trades 29% below estimated fair value.
- Healthy balance sheet.
Risks
- Dividend payout looks stretched.
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.
Dividend return (if you buy today)
Dividend yield
+2.44%
income / year on today’s price
Recent dividend / share
3.35
If you invest
Shares (≈)
72
Est. annual income
244.30 SAR
Trailing estimate from the most recent annual dividend — at this rate, dividends alone return your capital in ~40.9 years. Dividends aren’t guaranteed and exclude price changes.
Historical Wealth Simulator
Invest a fixed amount every year and see what it would be worth today.
If you invested 1,000.00 annually starting 2021، your value today is 5,559.28. You put in 6,000.00 over 6 years. Total return: -7.3% (+5.4% Dividends، -12.7% Capital gain).
Invested
6,000.00 SAR
Dividends
324.16 SAR
Capital gain
-764.88 SAR
InvestedCapital gainDividends— dashes = cost basistap a bar for figures
Split-adjusted prices; dividends taken as cash (not reinvested). Past performance isn’t a forecast.
Price, corporate actions & news
Demo series
D — DividendS — Split▲ good · ▼ bad newstap a marker for details
Valuation breakdown
Fair value = median of the applicable methods (DCF، DDM، Graham).
Discounted Cash Flow
Tap to adjust assumptions
193.03 SAR
Dividend Discount Model
Tap to adjust assumptions
196.27 SAR
Graham Number
Tap to adjust assumptions
46.13 SAR
Fair Value (median)193.03 SAR
▸ Show assumptions▾ Assumptions
- Effective discount rate
- 4.76%
- CAPM cost of equity
- 4.76%
- 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.
Growth & profitability
Revenue, net income and margin.
RevenueNet incomeNet margin %tap a bar for figures
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 | — | 1.68 | — | 1.68 | 3.35 | 1.8% |
| 2024 | — | 1.15 | — | 1.15 | 2.30 | 1.0% |
| 2023 | — | 1.16 | — | 1.16 | 2.31 | 1.3% |
| 2022 | — | 1.50 | — | 1.50 | 3.00 | 1.6% |
Key figures
| Metric | FY'22 | FY'23 | FY'24 | FY'25 |
|---|---|---|---|---|
| Revenue | 1.09B | 1.07B | 1.45B | 1.26B |
| Net Income | 424.60M | 390.06M | 621.84M | 395.61M |
| Net Margin | 38.9% | 36.4% | 43.0% | 31.4% |
| Operating Cash Flow | 470.40M | 394.75M | 624.90M | 514.42M |
| OCF Margin | 43.1% | 36.8% | 43.2% | 40.8% |
| Capital Expenditure | 99.09M | 141.07M | 213.73M | 193.41M |
| Free Cash Flow | 371.31M | 253.68M | 411.16M | 321.02M |
| FCF Margin | 34.1% | 23.6% | 28.4% | 25.5% |
| FCF Conversion | 87.4% | 65.0% | 66.1% | 81.1% |
| EPS (Diluted) | 3.54 | 3.25 | 5.18 | 3.30 |
| Dividend / Share | 3.00 | 2.31 | 2.30 | 3.35 |
Corporate actions
DCash Dividend
2.30 SAR /sh2026-04-23
DCash Dividend
3.35 SAR /sh2025-05-08
DCash Dividend
2.30 SAR /sh2024-04-28
DCash Dividend
2.31 SAR /sh2023-05-11
DCash Dividend
3.00 SAR /sh2022-05-15
Community Notes0
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