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Bank AlJazira (1020.SR)
Jeddah, Makkah Province, SA
Operating within the Kingdom of Saudi Arabia, Bank AlJazira delivers a comprehensive suite of financial solutions that adhere to Shari'ah principles, catering to the diverse needs of individual clients, corporations, small and medium-sized enterprises (SMEs), and various institutional entities. Its operations are structured across several key divisions: Personal Banking, Corporate Banking, Treasury, an integrated Brokerage and Asset Management arm, and Takaful Ta'awuni. For its personal clientele, the bank provides essential services such as savings and checking accounts, financing options for real estate and personal needs, secure deposit facilities, international money transfers, a selection of investment offerings, and specialized banking for women, alongside extensive e-banking platforms. Corporate and institutional clients benefit from Islamic funding solutions, global transaction management (including cash management, trade finance, and corporate payroll), syndicated financing, and robust commercial and online banking platforms. The bank also extends its services to the public sector and other financial institutions. Its investment banking division delivers expertise in brokerage and asset management, alongside corporate investment banking activities like managing initial public offerings (IPOs), facilitating private placements, capital increases, and underwriting. The private banking sector offers premium services such as ATM and credit cards, secure deposit boxes, trading commission arrangements, foreign currency exchange, short-term deposit vehicles, structured financial products, real estate investment opportunities, and bespoke wealth management. Treasury services encompass Naqa'a and thrift savings schemes, foreign exchange transactions, FX forwards, complex structured products, hedging strategies, and margin financing. Established in Jeddah, Saudi Arabia, in 1975, Bank AlJazira maintained an extensive network of 79 branches and 62 Fawri remittance centers as of December 31, 2020.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +0.00% | +0.00% | -3.06% | +1.42% | -0.70% | +2.24% | -9.09% | +0.62% | -3.96% | +100.70% | +790.63% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 0 | 0 |
| Buy | 0 | 0 |
| Hold | 4 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
-
Revenue growth+177.6% Q1'26: -49.4% (vs Q1'25)
-
EPS growth+23.5% Q1'26: +14.3% (vs Q1'25)
-
FCF margin— Q1'26: -67.6% (vs Q1'25)
-
EBIT margin— Q1'26: +86.4% (vs Q1'25)
-
ROIC— Q1'26: +4.4% (vs Q1'25)
-
Share dilution-0.4% Q1'26: -0.2% (vs Q1'25)
-
Debt / EBITDA— Q1'26: 16.60× (vs Q1'25)
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
| Metric |
Dec 2015 actual |
Dec 2016 actual |
Dec 2017 actual |
Dec 2018 actual |
Dec 2019 actual |
Dec 2020 actual |
Dec 2021 actual |
Dec 2022 actual |
Dec 2023 actual |
Dec 2024 actual |
Dec 2025 actual |
Dec 2026 1 Rev. Ana. 1 EPS Ana. |
Dec 2027 3 Rev. Ana. 2 EPS Ana. |
Dec 2028 2 Rev. Ana. 2 EPS Ana. |
Dec 2029 1 Rev. Ana. 1 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
2.92B
est: 2.99B (-2.5%)
|
2.47B
est: 2.33B (+6.0%)
|
2.58B
est: 2.53B (+2.0%)
|
2.66B
est: 2.70B (-1.1%)
|
2.98B
est: 2.91B (+2.5%)
|
3.28B
est: 3.19B (+2.8%)
|
3.55B
est: 3.55B (-0.2%)
|
3.43B
est: 3.55B (-3.3%)
|
3.32B
est: 3.28B (+1.3%)
|
3.78B
est: 3.77B (+0.3%)
|
10.49B
est: 4.37B (+140.0%)
|
4.84B
4.78B – 4.93B
+10.8% YoY
|
5.56B
5.44B – 5.76B
+14.9% YoY
|
6.12B
6.03B – 6.21B
+10.1% YoY
|
6.72B
6.64B – 6.85B
+9.8% YoY
|
| EBITDA |
1.37B
est: 1.03B (+32.5%)
|
953.05M
est: 803.57M (+18.6%)
|
944.04M
est: 871.43M (+8.3%)
|
1.09B
est: 928.26M (+17.8%)
|
1.32B
est: 1.00B (+32.2%)
|
245.64M
est: 1.10B (-77.6%)
|
1.35B
est: 1.22B (+10.5%)
|
1.49B
est: 1.22B (+22.3%)
|
1.36B
est: 1.20B (+13.5%)
|
1.59B
est: 1.38B (+15.1%)
|
1.93B
est: 1.60B (+20.4%)
|
1.77B
1.75B – 1.81B
+10.8% YoY
|
2.04B
1.99B – 2.11B
+14.9% YoY
|
2.24B
2.21B – 2.27B
+10.1% YoY
|
2.46B
2.43B – 2.51B
+9.8% YoY
|
| EBIT |
1.29B
est: 861.83M (+49.3%)
|
871.94M
est: 671.78M (+29.8%)
|
857.51M
est: 728.51M (+17.7%)
|
1.00B
est: 776.02M (+28.9%)
|
1.12B
est: 836.49M (+34.1%)
|
31.20M
est: 918.70M (-96.6%)
|
1.15B
est: 1.02B (+12.7%)
|
1.30B
est: 1.02B (+27.0%)
|
1.18B
est: 1.05B (+12.6%)
|
1.40B
est: 1.21B (+16.5%)
|
1.77B
est: 1.40B (+26.8%)
|
1.55B
1.53B – 1.58B
+10.8% YoY
|
1.78B
1.74B – 1.84B
+14.9% YoY
|
1.96B
1.93B – 1.99B
+10.1% YoY
|
2.15B
2.13B – 2.19B
+9.8% YoY
|
| Net Income |
1.29B
est: 2.25B (-42.7%)
|
871.94M
est: 1.27B (-31.5%)
|
857.51M
est: 1.19B (-28.2%)
|
378.28M
est: 948.37M (-60.1%)
|
991.02M
est: 940.17M (+5.4%)
|
33.75M
est: 701.65M (-95.2%)
|
1.01B
est: 1.20B (-16.4%)
|
1.11B
est: 1.02B (+9.3%)
|
1.02B
est: 1.22B (-16.4%)
|
1.23B
est: 1.22B (+0.8%)
|
1.51B
est: 1.71B (-11.7%)
|
1.28B
1.26B – 1.31B
-24.8% YoY
|
1.62B
1.47B – 1.77B
+26.4% YoY
|
1.85B
1.70B – 2.01B
+14.2% YoY
|
2.13B
2.10B – 2.18B
+15.2% YoY
|
| SGA |
457.87M
est: 420.60M (+8.9%)
|
370.51M
est: 327.85M (+13.0%)
|
380.41M
est: 355.54M (+7.0%)
|
414.81M
est: 378.72M (+9.5%)
|
443.91M
est: 408.24M (+8.7%)
|
429.89M
est: 448.36M (-4.1%)
|
502.57M
est: 499.30M (+0.7%)
|
470.17M
est: 498.45M (-5.7%)
|
453.84M
est: 480.91M (-5.6%)
|
590.48M
est: 552.78M (+6.8%)
|
1.70B
est: 640.89M (+164.5%)
|
709.91M
701.69M – 723.31M
+10.8% YoY
|
815.50M
797.52M – 844.77M
+14.9% YoY
|
897.62M
884.64M – 910.60M
+10.1% YoY
|
985.75M
974.33M – 1.00B
+9.8% YoY
|
| EPS |
1.58
est: 1.75 (-9.9%)
|
1.07
est: 0.99 (+7.7%)
|
0.97
est: 0.93 (+4.1%)
|
0.32
est: 0.74 (-56.8%)
|
0.77
est: 0.73 (+4.9%)
|
0.03
est: 0.55 (-95.2%)
|
0.75
est: 0.94 (-20.2%)
|
0.81
est: 0.79 (+2.2%)
|
0.69
est: 0.95 (-27.5%)
|
0.65
est: 0.95 (-31.7%)
|
1.00
est: 1.33 (-24.8%)
|
1.00
0.98 – 1.02
-24.8% YoY
|
1.27
1.15 – 1.39
+27.0% YoY
|
1.45
1.33 – 1.57
+14.2% YoY
|
1.67
1.64 – 1.71
+15.2% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-21 | B+ | 3/5 | 5/5 | 3/5 | 3/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-20 | B+ | 3/5 | 5/5 | 3/5 | 3/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-19 | B+ | 3/5 | 5/5 | 3/5 | 3/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-18 | B+ | 3/5 | 5/5 | 3/5 | 3/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-17 | B+ | 3/5 | 5/5 | 3/5 | 3/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-14 | B+ | 3/5 | 5/5 | 3/5 | 3/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-13 | B+ | 3/5 | 5/5 | 3/5 | 3/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-12 | B | 3/5 | 4/5 | 3/5 | 3/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-11 | B | 3/5 | 4/5 | 3/5 | 3/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-10 | B+ | 3/5 | 5/5 | 3/5 | 3/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-07 | B | 3/5 | 4/5 | 3/5 | 3/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-06 | B | 3/5 | 4/5 | 3/5 | 3/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-05 | B | 3/5 | 4/5 | 3/5 | 3/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-04 | B | 3/5 | 4/5 | 3/5 | 3/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-03 | B+ | 3/5 | 5/5 | 3/5 | 3/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-30 | C | 2/5 | 4/5 | 1/5 | 1/5 | 1/5 | 3/5 | 1/5 |
| 2026-04-29 | C+ | 2/5 | 5/5 | 1/5 | 1/5 | 1/5 | 3/5 | 1/5 |
| 2026-04-28 | C+ | 2/5 | 5/5 | 1/5 | 1/5 | 1/5 | 3/5 | 1/5 |
| 2026-04-27 | C+ | 2/5 | 5/5 | 1/5 | 1/5 | 1/5 | 3/5 | 1/5 |
| 2026-04-26 | C+ | 2/5 | 5/5 | 1/5 | 1/5 | 1/5 | 3/5 | 1/5 |
| 2026-04-23 | B+ | 3/5 | 5/5 | 3/5 | 4/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-22 | B+ | 3/5 | 5/5 | 3/5 | 4/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-21 | B+ | 3/5 | 5/5 | 3/5 | 4/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-20 | B+ | 3/5 | 5/5 | 3/5 | 4/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-19 | B+ | 3/5 | 5/5 | 3/5 | 4/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-16 | A- | 4/5 | 5/5 | 4/5 | 4/5 | 1/5 | 3/5 | 3/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
ETF Ownership
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | iShares MSCI Saudi Arabia Capped UCITS ETF IKSA.L | 0.67% | 3.44M | 0.60% |
| 2 | iShares MSCI Saudi Arabia Capped UCITS ETF IKSD.L | 0.67% | 128.1K | 0.60% |
| 3 | Invesco MSCI Saudi Arabia UCITS ETF MSAU.L | 0.63% | 292.0K | 0.50% |
| 4 | iShares MSCI Saudi Arabia ETF KSA | 0.61% | 3.94M | 0.75% |
| 5 | Invesco MSCI Emerging Markets Universal Screened UCITS ETF ESEM.L | 0.07% | 41.8K | 0.19% |
| 6 | Goldman Sachs ActiveBeta Emerging Markets Equity ETF GEM | 0.06% | 979.8K | 0.59% |
| 7 | Dimensional - Emerging Markets Value ETF DFEV | 0.05% | 1.09M | 0.46% |
| 8 | Avantis Emerging Markets ex-China Equity ETF AVXC | 0.05% | 196.8K | 0.33% |
| 9 | Avantis Responsible Emerging Markets Equity ETF AVSE | 0.05% | 106.4K | 0.33% |
| 10 | Franklin Emerging Market Core Dividend Tilt Index ETF DIEM | 0.04% | 31.0K | 0.19% |
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Naif Abdulkarim Al Abdulkareem | Chief Executive Officer, MD & Executive Director | 1M | male |
| Fahad A. Bin Al-Elayan | Senior Vice President and Head of Sharia, Social Responsibility Group & Sustainability | — | — |
| Faisal Al-Mansour | Senior Vice President and Head of Human Capital, Corporate Strategy & Support Group | — | male |
| Hamad bin Ibrahim Al-Essa | Senior Vice President, Chief Compliance & AFC Officer | — | male |
| Hani bin Salah Noori | Senior Vice President & Chief Financial Officer | — | male |
| Hesham Ezz Elddin | Assistant General Manager of Development & Support | — | male |
| Ibrahim A. Al-Omar | Senior Vice President & Chief Operating Officer | — | male |
| Osama Bin Khafer Al-Ibrahim | Senior Vice President & Chief Risk Officer | — | male |
| Bader Al Boqami | Senior Vice President and Head of Marketing & Customer Excellence Group | — | male |
| Sami J. Al-Mehaid | Senior Vice President and Head of Corporate & Institutional Banking Group | — | male |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for 1020.SR
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
