Al Rajhi Bankالراجحي
- Price
- 67.50 SAR
- Fair value
- 50.26 SAR
- Discount to fair value
- −34%
- Mkt cap
- 270.00B
- P/E
- 11.2×
- P/B
- 1.89×
- EV
- 291.11B
- Div yield
- 3.27%
- ROE
- 16.9%
- Net margin
- 61.8%
Current price67.5SAR
Fair value (est., median)50.26SAR
UndervaluedFair valueOvervalued
+34.3% above fair valueWould need to fall ~25.5% to reach fair value.
Median ofDCF 68.79DDM 30.67Graham 67.05Residual Income 50.26Earnings Power 46.62
Health Check
56.2
Overall / 100
Good (66+)Caution (40–65)Risk (<40)
Rewards
- Strong return on equity (16.9%).
- Attractive, covered dividend (3.27%).
Risks
- Trades 34.3% above estimated fair value.
- 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 7 years · FY2019–FY2025
| Metric | FY'22 | FY'23 | FY'24 | FY'25 | TTM'26 |
|---|---|---|---|---|---|
| Revenue | 28.56B | 27.48B | 31.98B | 39.03B | — |
| Net Income | 17.05B | 16.21B | 19.21B | 24.12B | 25.64B |
| Net Margin | 59.7% | 59.0% | 60.1% | 61.8% | — |
| Operating Cash Flow | 7.99B | 27.42B | 43.12B | -22.37B | — |
| OCF Margin | 28.0% | 99.8% | 134.8% | -57.3% | — |
| Capital Expenditure | 2.63B | 3.43B | 3.29B | 3.52B | — |
| Free Cash Flow | 5.36B | 24.00B | 39.83B | -25.90B | — |
| FCF Margin | 18.8% | 87.3% | 124.5% | -66.3% | — |
| FCF Conversion | 31.5% | 148.0% | 207.3% | -107.4% | — |
| EPS (Diluted) | 4.26/sh | 4.05/sh | 4.80/sh | 6.03/sh | 6.41/sh |
| Dividend / Share | — | 2.40/sh | 2.40/sh | 2.21/sh | — |
Dividend return (if you buy today)if you buy today
Dividend yield3.27%
Dividend / share2.21
If you invest
Shares (≈)148
Est. annual income327.08
At this rate, dividends alone return your capital in ~30.5 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 | — | — | — | — | — | — |
| 2025 | — | — | — | — | 2.21 | — |
| 2024 | — | — | — | — | 2.40 | — |
| 2023 | — | — | — | — | 2.40 | — |
| 2022 | — | — | — | — | — | — |
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
68.79
Dividend Discount Model
Values the share from the dividends it's expected to keep paying. · Tap to adjust assumptions
30.67
Graham Number
A conservative benchmark built from earnings and book value. · Tap to adjust assumptions
67.05
Residual Income (justified P/B)
Values the profit the company earns above the cost of its equity. · Tap to adjust assumptions
50.26
Earnings Power Value
Values today's earning power as-is, assuming no growth. · Tap to adjust assumptions
46.62
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)50.26
▸ Show assumptions▾ Assumptions
- Effective discount rate
- 10.42%
- CAPM cost of equity
- 12.00%
- Risk-free rate
- 4.50%
- Equity risk premium
- 7.50%
- DCF growth (stage 1)
- 8.00%
- DCF terminal growth
- 3.00%
- DCF forecast years
- 10
- DDM dividend growth
- 3.00%
Tune these per company in the Hajras Odoo backend; values recompute automatically.
Analyst Price Targets
1 houseHistorical — last published analyst views, not a current target.
Hajras fair value: 50.26
Aljazira Capital
as of 2023-01-31 · Al Rajhi Bank (AlRajhi) - Results Flash Note Q4-22
Hold
95.00
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