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Saudi Awwal Bank (1060.SR)

SAR31.74 -0.30 (-0.94%)
SA SAU Financial Services Banks - Regional
Address 7383 King Fahad Branch Road 13325
Riyadh, Riyadh Province, SA
CEO Anthony William Cripps
Website sab.com
IPO 2010-03-04
ISIN SA0007879089

Explore sections of this company profile

Description

Established in Riyadh, Kingdom of Saudi Arabia, in 1978, Saudi Awwal Bank is a leading financial institution that delivers a broad spectrum of banking and financial solutions throughout the Kingdom. The bank strategically manages its operations across several key divisions, including Retail Banking, Corporate and Institutional Banking, and Treasury, along with other supporting segments. For individual clients, its extensive offerings feature various account types, such as current, savings, and commodity investment options; diverse personal and home financing solutions, including loans secured by cash deposits; a comprehensive range of credit, debit, and prepaid cards; and in-depth wealth management services. These wealth services cover asset management, brokerage, securities, investment banking advisory, debt capital markets, project and export finance, equity research, and Takaful (Islamic insurance) services. Additionally, it provides efficient payments and transfer capabilities, exclusive private banking, secure safe deposit lockers, and convenient digital banking access via online, mobile, and telephone channels. Businesses can access deposit accounts, a variety of credit facilities, and specialized business credit cards. The bank also offers advanced liquidity and cash management services, encompassing collection, payment, and point-of-sale solutions. Its trade and receivables finance capabilities include import/export services, guarantees, and tailored structured trade solutions. Investment banking advisory, derivatives trading, repurchase agreements, and Sharia-compliant financial products are also fundamental components of its corporate services. Beyond its core banking activities, Saudi Awwal Bank functions as an insurance agent and engages in the purchasing, selling, and leasing of land and real estate properties. The bank serves its clientele across Saudi Arabia through an extensive network of 108 branches.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
SAR31.74 -0.30 (-0.94%)
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Volume Profile
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Liquidity & share structure
Average Volume
2M
Beta
0.03
Float Shares
1.36B
Free Float %
66.3%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+0.00% +0.00% +0.24% +3.39% +10.92% +5.37% +5.96% -11.49% +11.69% +65.71% +104.68%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
31.74
DCF (Unlevered) 219.03 +590.1%
DCF (Levered) 53.64 +69.0%

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.

Ratings Trend (MoM) 87% Bullish
Rating 2026-05 Change
Strong Buy 3 0
Buy 10 0
Hold 2 0
Sell 0 0
Strong Sell 0 0
Quality scores
Altman Z-Score
0.35
Distress
Piotroski F-Score
4 / 9
Average
Operational MOAT
  • Revenue growth
    +101.1% Q1'26: +103.4% (vs Q1'25)
  • EPS growth
    +0.8% Q1'26: +4.1% (vs Q1'25)
  • FCF margin
    Q1'26: +11.4% (vs Q1'25)
  • EBIT margin
    Q1'26: +33.1% (vs Q1'25)
  • ROIC
    Q1'26: +9.3% (vs Q1'25)
  • Share dilution
    +0.0% Q1'26: +0.0% (vs Q1'25)
  • Debt / EBITDA
    Q1'26: 4.17× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* 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.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.03) × ERP
WACC = 84% × Ke + 16% × Kd (77.6%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 219.37 Current price: 31.74
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
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
4 Rev. Ana.
3 EPS Ana.
Dec 2027
9 Rev. Ana.
8 EPS Ana.
Dec 2028
8 Rev. Ana.
7 EPS Ana.
Dec 2029
7 Rev. Ana.
2 EPS Ana.
Revenue
6.64B
est: 7.14B (-7.0%)
6.86B
est: 6.91B (-0.7%)
7.08B
est: 7.11B (-0.5%)
7.34B
est: 7.41B (-0.9%)
9.20B
est: 9.81B (-6.1%)
8.86B
est: 9.04B (-1.9%)
7.68B
est: 7.88B (-2.5%)
9.65B
est: 9.68B (-0.3%)
12.81B
est: 12.98B (-1.3%)
14.14B
est: 13.86B (+2.0%)
28.42B
est: 14.70B (+93.3%)
15.31B
14.95B – 15.69B
+4.1% YoY
16.53B
15.57B – 17.15B
+8.0% YoY
18.08B
18.00B – 18.16B
+9.4% YoY
19.50B
18.69B – 20.11B
+7.8% YoY
EBITDA
4.43B
est: 2.16B (+105.3%)
4.01B
est: 2.09B (+92.1%)
4.08B
est: 2.15B (+90.0%)
5.06B
est: 2.24B (+126.4%)
3.63B
est: 2.96B (+22.5%)
-3.62B
est: 2.73B (-232.8%)
4.55B
est: 2.38B (+91.2%)
6.18B
est: 2.92B (+111.4%)
8.79B
est: 5.88B (+49.5%)
est: 6.28B (-100.0%)
9.84B
est: 6.66B (+47.8%)
6.93B
6.77B – 7.10B
+4.1% YoY
7.48B
7.05B – 7.77B
+8.0% YoY
8.19B
8.15B – 8.23B
+9.4% YoY
8.83B
8.46B – 9.11B
+7.8% YoY
EBIT
4.33B
est: 1.74B (+148.3%)
3.89B
est: 1.69B (+130.9%)
3.95B
est: 1.74B (+127.6%)
4.93B
est: 1.81B (+172.6%)
3.20B
est: 2.39B (+33.4%)
-4.30B
est: 2.21B (-294.9%)
3.93B
est: 1.92B (+104.0%)
5.72B
est: 2.36B (+141.7%)
8.22B
est: 5.30B (+55.1%)
-546.65M
est: 5.66B (-109.7%)
9.56B
est: 6.01B (+59.1%)
6.25B
6.11B – 6.41B
+4.1% YoY
6.75B
6.36B – 7.00B
+8.0% YoY
7.39B
7.35B – 7.42B
+9.4% YoY
7.97B
7.64B – 8.22B
+7.8% YoY
Net Income
4.33B
est: 5.89B (-26.5%)
3.89B
est: 5.52B (-29.5%)
3.95B
est: 5.65B (-30.1%)
2.72B
est: 6.15B (-55.8%)
2.75B
est: 3.56B (-22.7%)
-4.16B
est: -4.05B (-2.6%)
3.20B
est: 3.56B (-9.9%)
4.83B
est: 4.83B (+0.0%)
7.00B
est: 7.60B (-7.8%)
8.07B
est: 7.86B (+2.7%)
8.45B
est: 7.75B (+9.0%)
8.26B
7.74B – 8.41B
+6.5% YoY
9.08B
7.77B – 9.52B
+9.9% YoY
10.17B
9.16B – 10.68B
+12.1% YoY
10.89B
10.31B – 11.34B
+7.1% YoY
SGA
529.27M
est: 943.99M (-43.9%)
601.22M
est: 913.03M (-34.2%)
697.41M
est: 940.31M (-25.8%)
693.79M
est: 978.91M (-29.1%)
1.35B
est: 1.30B (+4.2%)
1.63B
est: 1.19B (+36.4%)
1.01B
est: 1.04B (-3.0%)
1.34B
est: 1.28B (+4.5%)
1.39B
est: 1.47B (-5.5%)
1.39B
est: 1.57B (-10.9%)
2.50B
est: 1.66B (+50.7%)
1.73B
1.69B – 1.77B
+4.1% YoY
1.87B
1.76B – 1.94B
+8.0% YoY
2.04B
2.03B – 2.05B
+9.4% YoY
2.20B
2.11B – 2.27B
+7.8% YoY
EPS
2.89
est: 2.87 (+0.8%)
2.60
est: 2.69 (-3.3%)
2.64
est: 2.75 (-4.1%)
3.29
est: 2.99 (+10.0%)
1.53
est: 1.73 (-11.8%)
-2.03
est: -1.97 (-3.0%)
1.56
est: 1.73 (-9.9%)
2.35
est: 2.35 (+0.0%)
3.41
est: 3.70 (-7.8%)
3.78
est: 3.79 (-0.3%)
3.81
est: 3.91 (-2.6%)
3.91
3.77 – 4.09
+0.0% YoY
4.17
3.78 – 4.63
+6.5% YoY
4.69
4.46 – 5.20
+12.6% YoY
5.30
5.01 – 5.52
+13.0% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-21 A- 4/5 4/5 4/5 4/5 2/5 3/5 3/5
2026-05-20 A- 4/5 4/5 4/5 4/5 2/5 3/5 3/5
2026-05-19 A- 4/5 4/5 4/5 4/5 2/5 3/5 3/5
2026-05-18 A- 4/5 4/5 4/5 4/5 2/5 3/5 3/5
2026-05-17 A- 4/5 4/5 4/5 4/5 2/5 3/5 3/5
2026-05-14 A- 4/5 4/5 4/5 4/5 2/5 3/5 3/5
2026-05-13 A- 4/5 4/5 4/5 4/5 2/5 3/5 3/5
2026-05-12 A- 4/5 4/5 4/5 4/5 2/5 3/5 3/5
2026-05-11 A- 4/5 4/5 4/5 4/5 2/5 3/5 3/5
2026-05-10 A- 4/5 4/5 4/5 4/5 2/5 3/5 3/5
2026-05-07 A- 4/5 4/5 4/5 4/5 2/5 3/5 3/5
2026-05-06 A- 4/5 4/5 4/5 4/5 2/5 3/5 3/5
2026-05-05 A- 4/5 4/5 4/5 5/5 1/5 3/5 3/5
2026-05-04 A- 4/5 4/5 4/5 5/5 1/5 3/5 3/5
2026-05-03 A- 4/5 4/5 4/5 5/5 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 4/5 1/5 1/5 1/5 3/5 1/5
2026-04-28 C 2/5 4/5 1/5 1/5 1/5 3/5 1/5
2026-04-27 C 2/5 4/5 1/5 1/5 1/5 3/5 1/5
2026-04-26 C 2/5 4/5 1/5 1/5 1/5 3/5 1/5
2026-04-23 A 4/5 4/5 4/5 5/5 2/5 4/5 3/5
2026-04-22 A 4/5 4/5 4/5 5/5 2/5 4/5 3/5
2026-04-21 A 4/5 4/5 4/5 5/5 2/5 4/5 3/5
2026-04-20 A 4/5 4/5 4/5 5/5 2/5 4/5 3/5
2026-04-19 A 4/5 4/5 4/5 5/5 2/5 4/5 3/5
2026-04-16 A 4/5 4/5 4/5 5/5 2/5 4/5 3/5
2026-04-15 A+ 4/5 5/5 4/5 5/5 2/5 4/5 4/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
6.87B
OE per share TTM
3.34
Owner's Yield
9.79%
Maintenance CapEx ratio
41.55%
Maint CapEx / Avg PPE
27.4%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
1.75M
Shares Outstanding
2.05B

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Ali Alqahtani Chief Compliance Officer male
Anthony William Cripps MD, Chief Executive Officer & Executive Director male
Faten Abalkhail Chief Governance & Corporate Affairs Officer female
Faten Abdullah Aba Al-Khail Chief Governance & Corporate Affairs Officer female
Ghada Aljarbou Chief Operating Officer female
Ibrahim Abo-Mouti Head of Corporate Communications male
Khalid Ismail Chief Risk Officer male
Lama Ahmad Ghazzaoui Chief Financial Officer female
Mohammed Abdullatif Al-Shaikh Chief Treasury & Investment Officer male
Musaifer AlOsaimi Chief Information Officer male
Rania AlSharyoufi Chief Human Resources Officer female
Reema Alhamoud Chief Legal Officer female
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits