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Al Rajhi Banking and Investment Corporation (1120.SR)

SAR64.45 -1.10 (-1.68%)
SA SAU Financial Services Banks - Regional
Address Al Rajhi Bank 12263-2743
Riyadh, Riyadh Province, SA
CEO Waleed Bin Abdullah Ali Al-Mogbel
IPO 2010-03-03
ISIN SA0007879113

Explore sections of this company profile

Description

Al Rajhi Banking and Investment Corporation, along with its various affiliates, delivers a comprehensive array of banking and investment solutions, catering to clients both within the Kingdom of Saudi Arabia and globally. Its operations are structured across four key divisions: Retail, Corporate, Treasury, and Investment Services & Brokerage. The institution provides diverse account types, encompassing personal options for current, future, affluent, private, and female clients, as well as business and escrow accounts. Financial services include personal, vehicle (auto, car, fleet), home, and real estate financing, alongside payroll, POS merchant, contract, invoice, and working capital facilities. It also issues credit and debit cards. Additionally, Al Rajhi offers a broad spectrum of insurance products, such as personal accident, medical, staff guarantee, marine cargo, engineering, machine breakdown, property, vehicle, and professional indemnity. For trade and liquidity management, it offers documentary collections, letters of credit and guarantee, supply chain finance, e-trade solutions, automated trade notifications, and sophisticated cash management services. A specialized offering, Ijara Mawsufha Fi Al Dhimmah, is available for financing substantial project endeavors. Its treasury department deals in direct investments, banknotes, foreign exchange, and gold trading. Beyond core banking, the corporation extends into real estate and engineering consulting, recruitment, micro consumer financing, finance leasing, and funding for small and medium-sized enterprises. It also engages in technical services related to finance, digital payment systems, and financial settlements. Customers benefit from convenient digital access through phone and online banking platforms, along with other digital services. A substantial physical infrastructure supports its operations, comprising 521 branches and 4,891 ATMs. Established in 1957, the firm's headquarters are located in Riyadh, Saudi Arabia.

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
SAR64.45 -1.10 (-1.68%)
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Volume Profile
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Liquidity & share structure
Average Volume
6M
Beta
0.32
Float Shares
5.87B
Free Float %
97.8%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+0.00% +0.00% -2.84% +2.41% +3.21% +2.46% +12.37% +39.53% +54.24% +323.39% +1,074.60%
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
64.45
DCF (Unlevered) 235.26 +265.0%
DCF (Levered) 287.19 +345.6%

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) 68% Bullish
Rating 2026-05 Change
Strong Buy 6 +1
Buy 7 0
Hold 6 0
Sell 0 0
Strong Sell 0 0
Quality scores
Altman Z-Score
0.47
Distress
Piotroski F-Score
3 / 9
Average
Operational MOAT
★ Strong MOAT
  • Revenue growth
    +125.1% Q1'26: +14.4% (vs Q1'25)
  • EPS growth
    +25.3% Q1'26: -24.8% (vs Q1'25)
  • FCF margin
    Q1'26: +23.6% (vs Q1'25)
  • EBIT margin
    Q1'26: +70.7% (vs Q1'25)
  • ROIC
    Q1'26: +9.9% (vs Q1'25)
  • Share dilution
    +0.0% Q1'26: +0.0% (vs Q1'25)
  • Debt / EBITDA
    Q1'26: 5.88× (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 (0.36) × ERP
WACC = 77% × Ke + 23% × Kd (32.4%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 235.70 Current price: 64.45
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
11 Rev. Ana.
11 EPS Ana.
Dec 2027
12 Rev. Ana.
11 EPS Ana.
Dec 2028
4 Rev. Ana.
4 EPS Ana.
Dec 2029
3 Rev. Ana.
2 EPS Ana.
Revenue
13.73B
est: 13.07B (+5.1%)
15.26B
est: 15.47B (-1.3%)
15.87B
est: 15.71B (+1.0%)
17.27B
est: 17.33B (-0.4%)
19.46B
est: 19.45B (+0.1%)
20.67B
est: 20.06B (+3.0%)
25.64B
est: 25.57B (+0.3%)
28.55B
est: 28.70B (-0.5%)
27.43B
est: 27.13B (+1.1%)
31.91B
est: 31.68B (+0.8%)
71.82B
est: 38.37B (+87.2%)
44.02B
43.49B – 44.93B
+14.7% YoY
48.13B
46.74B – 50.13B
+9.3% YoY
52.46B
52.25B – 52.67B
+9.0% YoY
51.19B
50.13B – 52.81B
-2.4% YoY
EBITDA
7.50B
est: 7.21B (+4.1%)
8.56B
est: 8.54B (+0.3%)
9.58B
est: 8.67B (+10.5%)
10.76B
est: 9.56B (+12.5%)
12.40B
est: 10.73B (+15.6%)
12.93B
est: 11.07B (+16.8%)
17.53B
est: 14.11B (+24.3%)
20.45B
est: 15.83B (+29.2%)
20.11B
est: 13.83B (+45.4%)
est: 16.15B (-100.0%)
29.88B
est: 19.56B (+52.7%)
22.44B
22.17B – 22.91B
+14.7% YoY
24.54B
23.83B – 25.56B
+9.3% YoY
26.74B
26.64B – 26.85B
+9.0% YoY
26.10B
25.56B – 26.92B
-2.4% YoY
EBIT
7.13B
est: 6.52B (+9.3%)
8.13B
est: 7.72B (+5.2%)
9.12B
est: 7.84B (+16.3%)
10.14B
est: 8.65B (+17.1%)
11.33B
est: 9.71B (+16.7%)
11.81B
est: 10.02B (+17.9%)
16.44B
est: 12.76B (+28.9%)
19.12B
est: 14.33B (+33.5%)
18.53B
est: 12.52B (+48.0%)
-1.98B
est: 14.62B (-113.6%)
27.53B
est: 17.71B (+55.4%)
20.32B
20.07B – 20.74B
+14.7% YoY
22.21B
21.58B – 23.14B
+9.3% YoY
24.21B
24.11B – 24.31B
+9.0% YoY
23.63B
23.14B – 24.37B
-2.4% YoY
Net Income
7.13B
est: 6.70B (+6.5%)
8.13B
est: 7.90B (+2.8%)
9.12B
est: 8.70B (+4.8%)
3.77B
est: 9.70B (-61.1%)
10.16B
est: 10.79B (-5.8%)
10.60B
est: 10.60B (-0.1%)
14.75B
est: 14.69B (+0.4%)
17.15B
est: 16.84B (+1.8%)
16.62B
est: 16.59B (+0.2%)
19.72B
est: 12.55B (+57.1%)
24.79B
est: 15.82B (+56.7%)
18.10B
17.40B – 18.80B
+14.4% YoY
19.59B
18.61B – 20.57B
+8.3% YoY
21.73B
20.59B – 22.88B
+10.9% YoY
22.00B
21.41B – 22.90B
+1.2% YoY
SGA
1.38B
est: 1.27B (+8.7%)
1.44B
est: 1.50B (-4.0%)
1.67B
est: 1.52B (+9.6%)
1.93B
est: 1.68B (+14.5%)
2.53B
est: 1.89B (+34.2%)
2.65B
est: 1.95B (+35.9%)
2.65B
est: 2.48B (+6.9%)
2.73B
est: 2.78B (-2.1%)
2.39B
est: 2.24B (+6.8%)
2.26B
est: 2.62B (-13.5%)
4.03B
est: 3.17B (+26.9%)
3.64B
3.59B – 3.71B
+14.7% YoY
3.98B
3.86B – 4.14B
+9.3% YoY
4.34B
4.32B – 4.35B
+9.0% YoY
4.23B
4.14B – 4.36B
-2.4% YoY
EPS
1.78
est: 1.67 (+6.3%)
2.03
est: 1.98 (+2.7%)
2.28
est: 2.18 (+4.8%)
2.57
est: 2.42 (+6.0%)
2.54
est: 2.70 (-5.8%)
2.65
est: 2.65 (0.0%)
3.69
est: 3.67 (+0.5%)
4.24
est: 4.21 (+0.7%)
3.95
est: 4.15 (-4.8%)
4.67
est: 3.12 (+49.9%)
5.85
est: 3.91 (+49.5%)
4.48
4.35 – 4.70
+14.5% YoY
4.94
4.65 – 5.14
+10.3% YoY
5.45
5.15 – 5.72
+10.3% YoY
5.50
5.35 – 5.73
+0.9% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-21 A- 4/5 5/5 5/5 4/5 2/5 2/5 2/5
2026-05-20 A- 4/5 5/5 5/5 4/5 2/5 2/5 2/5
2026-05-19 B+ 3/5 5/5 5/5 4/5 1/5 2/5 2/5
2026-05-18 B+ 3/5 5/5 5/5 4/5 1/5 2/5 2/5
2026-05-17 B+ 3/5 5/5 5/5 4/5 1/5 2/5 2/5
2026-05-14 A- 4/5 5/5 5/5 4/5 2/5 2/5 2/5
2026-05-13 A- 4/5 5/5 5/5 5/5 2/5 2/5 2/5
2026-05-12 A- 4/5 5/5 5/5 5/5 2/5 2/5 2/5
2026-05-11 A- 4/5 5/5 5/5 5/5 2/5 2/5 2/5
2026-05-10 A- 4/5 5/5 5/5 5/5 2/5 2/5 2/5
2026-05-07 A 4/5 5/5 5/5 5/5 2/5 3/5 2/5
2026-05-06 A 4/5 5/5 5/5 5/5 2/5 3/5 2/5
2026-05-05 A 4/5 5/5 5/5 5/5 2/5 3/5 2/5
2026-05-04 A 4/5 5/5 5/5 5/5 2/5 3/5 2/5
2026-05-03 A- 4/5 5/5 5/5 5/5 1/5 3/5 2/5
2026-04-30 A- 4/5 5/5 5/5 5/5 1/5 3/5 2/5
2026-04-29 A- 4/5 5/5 5/5 5/5 1/5 3/5 2/5
2026-04-28 A- 4/5 5/5 5/5 5/5 1/5 3/5 2/5
2026-04-27 A- 4/5 5/5 5/5 5/5 1/5 3/5 2/5
2026-04-26 A- 4/5 5/5 5/5 5/5 1/5 3/5 2/5
2026-04-23 A- 4/5 5/5 5/5 5/5 1/5 3/5 2/5
2026-04-22 A- 4/5 5/5 5/5 5/5 1/5 3/5 2/5
2026-04-21 A- 4/5 5/5 5/5 5/5 2/5 2/5 1/5
2026-04-20 B+ 3/5 4/5 5/5 5/5 2/5 2/5 1/5
2026-04-19 B+ 3/5 4/5 5/5 5/5 2/5 2/5 1/5
2026-04-16 B+ 3/5 4/5 5/5 5/5 2/5 2/5 1/5
2026-04-15 A- 4/5 4/5 5/5 5/5 2/5 2/5 2/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
32.27B
OE per share TTM
8.15
Owner's Yield
12.11%
Maintenance CapEx ratio
1.79%
Maint CapEx / Avg PPE
37.5%

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
1.17M
Shares Outstanding
6.00B

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
Waleed Bin Abdullah Ali Al-Mogbel Chief Executive Officer, MD & Executive Director 835.0K male
Abdullah Saleh Alomari Chief Operating Officer male
Abdulrahman Abdullah Abdulrahman Al-Fadda Chief Financial Officer male
Abid Shakeel Head of Strategy Department
Ahmed Saleh Al Sudais Chief Human Resources Officer male
Abdullah Saad Aljabr Chief Marketing & Customer Experience Officer
Hamad Ibrahim Al-Washmi Chief Compliance Officer
Salim Hamad Musallam Chief Credit Officer
Thamer Alhumud Chief Governance & Legal Officer
Turki Mohammed Al-Dhfayan Chief Strategic Projects & Acting Chief Digital Officer male
Dhary Mohali Al-Shammry Chief Internal Auditor
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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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.

Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits