Bank Albiladبنك الجزيرة
- Price
- 24.43 SAR
- Fair value
- 35.82 SAR
- Discount to fair value
- +32%
- Mkt cap
- 36.65B
- P/E
- 12.0×
- P/B
- 1.72×
- EV
- 24.71B
- Div yield
- 1.84%
- ROE
- 14.3%
- Net margin
- 49.3%
Current price24.43SAR
Fair value (est., median)35.82SAR
UndervaluedFair valueOvervalued
-31.8% below fair valueWould need to rise ~46.6% to reach fair value.
Median ofDCF 111.78Graham 24.82Residual Income 42.25Earnings Power 29.4
Health Check
70.7
Overall / 100
Good (66+)Caution (40–65)Risk (<40)
Rewards
- Trades 31.8% below estimated fair value.
- Healthy balance sheet.
- Attractive, covered dividend (1.84%).
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 | 5.17B | 5.30B | 5.65B | 6.19B | — |
| Net Income | 2.08B | 2.37B | 2.81B | 3.05B | 3.08B |
| Net Margin | 40.2% | 44.7% | 49.6% | 49.3% | — |
| Operating Cash Flow | 8.84B | 1.29B | 7.71B | 4.66B | — |
| OCF Margin | 170.8% | 24.4% | 136.4% | 75.4% | — |
| Capital Expenditure | 317.02M | 316.79M | 453.33M | 574.84M | — |
| Free Cash Flow | 8.52B | 975.75M | 7.26B | 4.09B | — |
| FCF Margin | 164.6% | 18.4% | 128.4% | 66.1% | — |
| FCF Conversion | 409.2% | 41.2% | 258.6% | 134.0% | — |
| EPS (Diluted) | 1.39/sh | 1.58/sh | 1.87/sh | 2.03/sh | 2.06/sh |
| Dividend / Share | — | 0.33/sh | 0.75/sh | 0.45/sh | — |
Dividend return (if you buy today)if you buy today
Dividend yield1.84%
Dividend / share0.45
If you invest
Shares (≈)409
Est. annual income184.05
At this rate, dividends alone return your capital in ~54.3 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 | — | 0.55 | — | — | 0.55 | 2.1% |
| 2025 | — | — | 0.45 | — | 0.45 | 1.6% |
| 2024 | — | 0.33 | 0.42 | — | 0.75 | 2.5% |
| 2023 | — | 0.33 | — | — | 0.33 | 1.2% |
| 2022 | — | — | — | — | — | — |
Corporate actions
DCash Dividend
0.55 /sh2026-05-06
DCash Dividend
0.45 /sh2025-08-06
SStock Split
1.2×2025-04-15
DCash Dividend
0.42 /sh2024-09-15
SStock Split
1.25×2024-04-30
DCash Dividend
0.33 /sh2024-04-30
DCash Dividend
0.33 /sh2023-05-02
SStock Split
1.333333×2022-04-12
DCash Dividend
0.25 /sh2020-04-27
DCash Dividend
0.20 /sh2019-07-28
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
111.78
Dividend Discount Model
Values the share from the dividends it's expected to keep paying. · Tap to adjust assumptions
13.58
Graham Number
A conservative benchmark built from earnings and book value. · Tap to adjust assumptions
24.82
Residual Income (justified P/B)
Values the profit the company earns above the cost of its equity. · Tap to adjust assumptions
42.25
Earnings Power Value
Values today's earning power as-is, assuming no growth. · Tap to adjust assumptions
29.40
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)35.82
▸ Show assumptions▾ Assumptions
- Effective discount rate
- 6.41%
- CAPM cost of equity
- 6.54%
- 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.
Analyst Price Targets
1 houseHistorical — last published analyst views, not a current target.
Hajras fair value: 35.82
Aljazira Capital
as of 2022-10-25 · Bank AlBilad - Results Flash Note Q3-22
Hold
49.90
—
Wealth simulator
What if you'd invested in Bank Albilad regularly?
Starting year
- Invested
- 1K/yr · 17K total(2010 → today · 17 yrs)
- your value today is
- 50.2K SAR
- Total return
- +195.1%(+23.4% Dividends · +171.7% Capital gain)
- Annualised (IRR)
- +12.0%
Invested17KSAR
Dividends4KSAR
Capital gain29.2KSAR
InvestedCapital gainDividendstap a bar for figures
Major shareholders
As of 2026-06-16Disclosed holders at or above the 5% reporting threshold.
شركة محمد ابراهيم السبيعي واولاده للاستثمار مساهمة مقفلة
19.34%
شركة صندوق عبدالرحمن بن عبدالعزيز الراجحي للاستثمار
6.73%
شركة عبدالله ابراهيم السبيعي الاستثماريه المحدودة شركة شخص واحد
6.36%
Total disclosed32.43%
The Saudi Exchange publishes only holders at or above 5%; smaller stakes are not disclosed.
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