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The Saudi Investment Bank (1030.SR)
Riyadh, Riyadh Province, SA
Established in 1976 and headquartered in Riyadh, Kingdom of Saudi Arabia, The Saudi Investment Bank (SAIB) delivers a broad spectrum of commercial and retail banking services. It caters to a diverse client base across Saudi Arabia, including individual consumers, small and medium-sized enterprises (SMEs), and both corporate and institutional customers. The bank organizes its operations into distinct segments: Retail Banking, Corporate Banking, Treasury and Investments, and Asset Management and Brokerage. SAIB's offerings include various account types such as current, salary, Murabaha, and escrow accounts, alongside time deposits. It provides extensive financing solutions, encompassing working capital, Shariah-compliant facilities, contract and project funding, real estate development, home and personal loans, secured lending, trade finance, and syndicated loans. Beyond core banking, the institution is involved in money market activities and international trade services, and offers a full suite of securities services including dealing, management, advisory, and custody. Additional services range from structured products, liquidity management, foreign exchange, treasury and investment solutions, and trade and business finance, to secured finance and cash management. Customers can also access marine cargo insurance, a variety of debit, prepaid, and credit cards, as well as digital banking through internet and phone platforms, payroll services, and efficient payment and transfer and ATM/cash deposit facilities. As of December 31, 2020, SAIB's extensive network comprised 52 branches, 368 ATMs, and 9,800 point-of-sale (POS) terminals.
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% | +1.13% | +5.51% | +1.82% | +2.06% | -8.84% | -3.53% | +31.37% | +95.34% | +28.60% |
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 | 2 | 0 |
| Hold | 3 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 1 | 0 |
-
Revenue growth+171.0% Q1'26: +167.8% (vs Q1'25)
-
EPS growth+17.5% Q1'26: +7.7% (vs Q1'25)
-
FCF margin— Q1'26: +115.4% (vs Q1'25)
-
EBIT margin— Q1'26: +22.1% (vs Q1'25)
-
ROIC— Q1'26: +4.1% (vs Q1'25)
-
Share dilution+0.0% Q1'26: +0.0% (vs Q1'25)
-
Debt / EBITDA— Q1'26: 14.95× (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 3 Rev. Ana. 1 EPS Ana. |
Dec 2027 3 Rev. Ana. 2 EPS Ana. |
Dec 2028 2 Rev. Ana. 1 EPS Ana. |
Dec 2029 1 Rev. Ana. 1 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
2.24B
est: 2.75B (-18.6%)
|
2.11B
est: 2.38B (-11.2%)
|
2.55B
est: 2.65B (-3.7%)
|
2.71B
est: 2.84B (-4.4%)
|
2.86B
est: 2.76B (+3.7%)
|
2.84B
est: 2.83B (+0.5%)
|
2.76B
est: 2.90B (-4.9%)
|
3.29B
est: 3.24B (+1.5%)
|
3.97B
est: 3.69B (+7.6%)
|
4.17B
est: 4.23B (-1.4%)
|
11.31B
est: 4.24B (+166.8%)
|
4.38B
4.33B – 4.46B
+3.3% YoY
|
4.45B
4.15B – 4.81B
+1.6% YoY
|
4.69B
4.44B – 4.94B
+5.3% YoY
|
5.37B
5.15B – 5.63B
+14.4% YoY
|
| EBITDA |
1.41B
est: 1.49B (-5.5%)
|
1.14B
est: 1.29B (-11.3%)
|
1.50B
est: 1.44B (+4.8%)
|
1.55B
est: 1.54B (+0.6%)
|
473.02M
est: 1.50B (-68.4%)
|
1.37B
est: 1.53B (-10.4%)
|
1.42B
est: 1.57B (-9.7%)
|
1.87B
est: 1.76B (+6.3%)
|
2.21B
est: 1.82B (+21.3%)
|
2.45B
est: 2.09B (+16.9%)
|
2.81B
est: 2.10B (+33.9%)
|
2.17B
2.14B – 2.20B
+3.3% YoY
|
2.20B
2.05B – 2.38B
+1.6% YoY
|
2.32B
2.20B – 2.44B
+5.3% YoY
|
2.65B
2.55B – 2.79B
+14.4% YoY
|
| EBIT |
1.33B
est: 1.36B (-2.2%)
|
1.05B
est: 1.17B (-10.2%)
|
1.41B
est: 1.31B (+7.9%)
|
1.44B
est: 1.40B (+3.1%)
|
329.50M
est: 1.36B (-75.8%)
|
1.23B
est: 1.40B (-12.0%)
|
1.27B
est: 1.43B (-11.4%)
|
1.71B
est: 1.60B (+7.0%)
|
2.03B
est: 1.68B (+21.0%)
|
2.27B
est: 1.93B (+17.9%)
|
2.72B
est: 1.93B (+40.8%)
|
1.99B
1.97B – 2.03B
+3.3% YoY
|
2.03B
1.89B – 2.19B
+1.6% YoY
|
2.13B
2.02B – 2.25B
+5.3% YoY
|
2.44B
2.34B – 2.56B
+14.4% YoY
|
| Net Income |
1.33B
est: 1.46B (-9.1%)
|
1.05B
est: 1.10B (-4.6%)
|
1.41B
est: 1.23B (+15.0%)
|
575.90M
est: 1.42B (-59.5%)
|
239.46M
est: 829.74M (-71.1%)
|
979.56M
est: 985.47M (-0.6%)
|
1.06B
est: 965.32M (+10.0%)
|
1.51B
est: 1.51B (-0.2%)
|
1.76B
est: 1.67B (+5.3%)
|
1.96B
est: 1.79B (+9.3%)
|
2.43B
est: 1.85B (+31.5%)
|
1.72B
1.62B – 1.82B
-7.1% YoY
|
1.65B
1.49B – 1.80B
-4.2% YoY
|
1.78B
1.68B – 1.89B
+8.2% YoY
|
2.27B
2.15B – 2.42B
+27.4% YoY
|
| SGA |
224.69M
est: 373.72M (-39.9%)
|
229.42M
est: 322.62M (-28.9%)
|
225.67M
est: 359.68M (-37.3%)
|
252.00M
est: 385.26M (-34.6%)
|
264.65M
est: 374.88M (-29.4%)
|
249.66M
est: 384.31M (-35.0%)
|
361.61M
est: 393.47M (-8.1%)
|
475.49M
est: 440.37M (+8.0%)
|
610.32M
est: 476.76M (+28.0%)
|
674.20M
est: 547.39M (+23.2%)
|
631.99M
est: 548.49M (+15.2%)
|
566.85M
560.28M – 576.49M
+3.3% YoY
|
575.84M
537.34M – 621.95M
+1.6% YoY
|
606.50M
574.16M – 638.83M
+5.3% YoY
|
694.06M
666.00M – 728.71M
+14.4% YoY
|
| EPS |
1.33
est: 1.17 (+13.5%)
|
0.84
est: 0.88 (-5.1%)
|
1.10
est: 0.98 (+11.9%)
|
0.39
est: 1.14 (-65.8%)
|
0.10
est: 0.67 (-85.0%)
|
0.96
est: 0.79 (+21.5%)
|
0.79
est: 0.77 (+2.1%)
|
1.09
est: 1.21 (-10.1%)
|
1.28
est: 1.34 (-4.4%)
|
1.43
est: 1.47 (-2.7%)
|
1.68
est: 1.47 (+14.0%)
|
1.38
1.30 – 1.46
-6.5% YoY
|
1.32
1.19 – 1.45
-4.2% YoY
|
1.42
1.35 – 1.51
+7.6% YoY
|
1.82
1.72 – 1.94
+28.2% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-21 | A- | 4/5 | 5/5 | 4/5 | 4/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-20 | A- | 4/5 | 5/5 | 4/5 | 4/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-19 | A- | 4/5 | 5/5 | 4/5 | 4/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-18 | A- | 4/5 | 5/5 | 4/5 | 4/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-17 | A- | 4/5 | 5/5 | 4/5 | 4/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-14 | A- | 4/5 | 5/5 | 4/5 | 4/5 | 1/5 | 4/5 | 3/5 |
| 2026-05-13 | A- | 4/5 | 5/5 | 4/5 | 4/5 | 1/5 | 4/5 | 3/5 |
| 2026-05-12 | A- | 4/5 | 5/5 | 4/5 | 4/5 | 1/5 | 4/5 | 3/5 |
| 2026-05-11 | A- | 4/5 | 5/5 | 4/5 | 4/5 | 1/5 | 4/5 | 3/5 |
| 2026-05-10 | A- | 4/5 | 5/5 | 4/5 | 4/5 | 1/5 | 4/5 | 3/5 |
| 2026-05-07 | C+ | 2/5 | 5/5 | 1/5 | 1/5 | 1/5 | 4/5 | 1/5 |
| 2026-05-06 | C+ | 2/5 | 5/5 | 1/5 | 1/5 | 1/5 | 4/5 | 1/5 |
| 2026-05-05 | C+ | 2/5 | 5/5 | 1/5 | 1/5 | 1/5 | 4/5 | 1/5 |
| 2026-05-04 | C+ | 2/5 | 5/5 | 1/5 | 1/5 | 1/5 | 4/5 | 1/5 |
| 2026-05-03 | C+ | 2/5 | 5/5 | 1/5 | 1/5 | 1/5 | 4/5 | 1/5 |
| 2026-04-30 | C+ | 2/5 | 5/5 | 1/5 | 1/5 | 1/5 | 4/5 | 1/5 |
| 2026-04-29 | C+ | 2/5 | 5/5 | 1/5 | 1/5 | 1/5 | 4/5 | 1/5 |
| 2026-04-28 | C+ | 2/5 | 5/5 | 1/5 | 1/5 | 1/5 | 4/5 | 1/5 |
| 2026-04-27 | C+ | 2/5 | 5/5 | 1/5 | 1/5 | 1/5 | 4/5 | 1/5 |
| 2026-04-26 | C+ | 2/5 | 5/5 | 1/5 | 1/5 | 1/5 | 4/5 | 1/5 |
| 2026-04-23 | A | 4/5 | 5/5 | 4/5 | 5/5 | 1/5 | 4/5 | 3/5 |
| 2026-04-22 | A | 4/5 | 5/5 | 4/5 | 5/5 | 1/5 | 4/5 | 3/5 |
| 2026-04-21 | A | 4/5 | 5/5 | 4/5 | 5/5 | 1/5 | 4/5 | 3/5 |
| 2026-04-20 | A | 4/5 | 5/5 | 4/5 | 5/5 | 1/5 | 4/5 | 3/5 |
| 2026-04-19 | A | 4/5 | 5/5 | 4/5 | 5/5 | 1/5 | 4/5 | 3/5 |
| 2026-04-16 | A | 4/5 | 5/5 | 4/5 | 5/5 | 1/5 | 4/5 | 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 IKSD.L | 0.74% | 143.4K | 0.60% |
| 2 | iShares MSCI Saudi Arabia Capped UCITS ETF IKSA.L | 0.74% | 3.85M | 0.60% |
| 3 | Invesco MSCI Saudi Arabia UCITS ETF MSAU.L | 0.72% | 334.9K | 0.50% |
| 4 | iShares MSCI Saudi Arabia ETF KSA | 0.68% | 4.41M | 0.75% |
| 5 | FlexShares Emerging Markets Quality Low Volatility Index Fund QLVE | 0.54% | 89.8K | 0.19% |
| 6 | Fidelity Emerging Markets Multifactor ETF FDEM | 0.39% | 2.31M | 0.25% |
| 7 | Hartford Multifactor Emerging Markets ETF ROAM | 0.15% | 159.8K | 0.44% |
| 8 | Goldman Sachs ActiveBeta Emerging Markets Equity ETF GEM | 0.07% | 1.26M | 0.59% |
| 9 | Avantis Emerging Markets ex-China Equity ETF AVXC | 0.05% | 211.7K | 0.33% |
| 10 | Avantis Responsible Emerging Markets Equity ETF AVSE | 0.04% | 93.3K | 0.33% |
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 |
|---|---|---|---|
| Abdulaziz Omar Abdulaziz Al-Afaleq | Chief Operating Officer | — | male |
| Ahmed Abdulrahman Almohsen | Chief Financial Officer | — | male |
| Badr Ahmed Allaf | Chief Compliance Officer | — | male |
| Fahad Hassan Khalil | Chief Human Resources Officer | — | male |
| Faisal Bin Abdullah Al-Omran | Chief Executive Officer | — | male |
| Majed Abdulghani Fakeeh | Chief Corporate Banking Officer | — | male |
| Monirah Saleh AlSwaydani | Chief Corporate Governance Officer | — | female |
| Naif Al-Hammad | Treasurer & Chief Investment Officer | — | male |
| Najla AlMutairi | Head of Market Intelligence & IR | — | — |
| Salman Badar Al-Fughom | Deputy Chief Executive Officer | — | male |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
Share your view on this stock and instantly see how the community has voted over the last 6 months.
Community Opinion for 1030.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.
