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Bank Albilad (1140.SR)
Riyadh, Riyadh Province, SA
Operating within the Kingdom of Saudi Arabia, Bank Albilad offers a comprehensive range of financial solutions. The bank's operations are segmented across Retail, Corporate, Treasury, Investment Banking, and Brokerage divisions. It provides a diverse selection of deposit accounts, including various current, savings, and specialized corporate and SME accounts. For individuals, financing options encompass personal loans for shares, top-ups, refinancing, buyouts, and loans secured by mortgages. Its real estate offerings include financing for self-construction, government-subsidized housing, off-plan properties, and flexible declining mortgage plans for military personnel. Vehicle acquisition is supported through auto financing and leasing. Corporate clients benefit from working capital, asset, and contract financing, along with Mudaraba overdrafts and bespoke structured finance products. The bank also delivers cash management solutions and a full suite of trade finance instruments, such as letters of guarantee, letters of credit, documentary collections, and Musharakah contracts. Treasury services involve direct investments and foreign exchange. Specialized services for Small and Medium Enterprises (SMEs) include financing solutions and tailored programs for customs clearance, Hajj and Omrah, Point of Sale (POS) financing, franchises, and payroll. Additional services comprise POS systems, an e-commerce platform, remittance services, investment and asset management, money market access, and payroll administration including wage protection systems. Customers can also access credit, debit, and prepaid cards, alongside convenient internet banking. Established in 2004 and headquartered in Riyadh, Bank Albilad serves its clientele through an extensive network of 106 banking branches and 168 exchange and remittance centers.
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% | -2.71% | -3.25% | -6.52% | -1.77% | -5.69% | -4.13% | +29.20% | +233.52% | -20.33% |
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 | 1 | 0 |
| Buy | 1 | 0 |
| Hold | 5 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
-
Revenue growth+97.5% Q1'26: -39.1% (vs Q1'25)
-
EPS growth+9.0% Q1'26: +4.3% (vs Q1'25)
-
FCF margin— Q1'26: +189.0% (vs Q1'25)
-
EBIT margin— Q1'26: +92.0% (vs Q1'25)
-
ROIC— Q1'26: +13.9% (vs Q1'25)
-
Share dilution+0.0% Q1'26: -0.8% (vs Q1'25)
-
Debt / EBITDA— Q1'26: 3.39× (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 4 Rev. Ana. 3 EPS Ana. |
Dec 2027 3 Rev. Ana. 3 EPS Ana. |
Dec 2028 2 Rev. Ana. 2 EPS Ana. |
Dec 2029 1 Rev. Ana. 1 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
2.19B
est: 2.29B (-4.4%)
|
2.45B
est: 2.65B (-7.6%)
|
2.92B
est: 2.94B (-0.6%)
|
3.42B
est: 3.40B (+0.4%)
|
3.95B
est: 3.92B (+0.7%)
|
4.26B
est: 4.28B (-0.4%)
|
4.59B
est: 4.59B (-0.1%)
|
5.17B
est: 5.20B (-0.5%)
|
5.30B
est: 5.17B (+2.6%)
|
5.65B
est: 5.55B (+1.8%)
|
11.16B
est: 6.14B (+81.9%)
|
6.68B
6.57B – 6.83B
+8.7% YoY
|
7.23B
7.16B – 7.32B
+8.3% YoY
|
7.63B
7.63B – 7.64B
+5.6% YoY
|
8.09B
7.98B – 8.23B
+5.9% YoY
|
| EBITDA |
889.61M
est: 1.17B (-23.7%)
|
905.35M
est: 1.35B (-32.9%)
|
1.04B
est: 1.50B (-30.4%)
|
1.22B
est: 1.73B (-29.6%)
|
1.64B
est: 1.99B (-17.9%)
|
1.76B
est: 2.18B (-19.1%)
|
2.16B
est: 2.34B (-7.7%)
|
2.61B
est: 2.65B (-1.3%)
|
2.94B
est: 2.55B (+15.5%)
|
3.40B
est: 2.74B (+24.4%)
|
3.70B
est: 3.02B (+22.5%)
|
3.29B
3.23B – 3.36B
+8.7% YoY
|
3.56B
3.53B – 3.61B
+8.3% YoY
|
3.76B
3.76B – 3.76B
+5.6% YoY
|
3.98B
3.93B – 4.05B
+5.9% YoY
|
| EBIT |
788.42M
est: 1.04B (-23.9%)
|
809.02M
est: 1.20B (-32.6%)
|
936.17M
est: 1.33B (-29.6%)
|
1.11B
est: 1.54B (-27.9%)
|
1.39B
est: 1.77B (-21.7%)
|
1.50B
est: 1.94B (-22.5%)
|
1.88B
est: 2.08B (-9.5%)
|
2.32B
est: 2.35B (-1.4%)
|
2.64B
est: 2.29B (+15.4%)
|
3.13B
est: 2.46B (+27.2%)
|
3.40B
est: 2.72B (+25.1%)
|
2.96B
2.91B – 3.02B
+8.7% YoY
|
3.20B
3.17B – 3.24B
+8.3% YoY
|
3.38B
3.38B – 3.38B
+5.6% YoY
|
3.58B
3.53B – 3.64B
+5.9% YoY
|
| Net Income |
788.42M
est: 955.84M (-17.5%)
|
807.72M
est: 810.78M (-0.4%)
|
942.05M
est: 941.93M (+0.0%)
|
612.69M
est: 1.07B (-42.7%)
|
1.24B
est: 1.29B (-3.7%)
|
1.35B
est: 1.32B (+2.1%)
|
1.69B
est: 1.70B (-0.7%)
|
2.08B
est: 2.17B (-4.2%)
|
2.37B
est: 3.05B (-22.3%)
|
2.81B
est: 2.85B (-1.4%)
|
3.05B
est: 3.26B (-6.6%)
|
2.98B
2.88B – 3.07B
-8.8% YoY
|
3.28B
3.19B – 3.38B
+10.3% YoY
|
3.35B
3.23B – 3.48B
+2.2% YoY
|
3.58B
3.52B – 3.66B
+6.7% YoY
|
| SGA |
235.28M
est: 322.88M (-27.1%)
|
291.00M
est: 373.90M (-22.2%)
|
342.67M
est: 414.21M (-17.3%)
|
406.50M
est: 479.51M (-15.2%)
|
619.82M
est: 551.90M (+12.3%)
|
640.67M
est: 603.38M (+6.2%)
|
679.99M
est: 647.46M (+5.0%)
|
770.53M
est: 733.01M (+5.1%)
|
710.84M
est: 713.35M (-0.4%)
|
696.73M
est: 766.50M (-9.1%)
|
1.51B
est: 847.23M (+78.8%)
|
921.27M
906.08M – 941.93M
+8.7% YoY
|
997.80M
988.38M – 1.01B
+8.3% YoY
|
1.05B
1.05B – 1.05B
+5.6% YoY
|
1.12B
1.10B – 1.14B
+5.9% YoY
|
| EPS |
0.79
est: 0.64 (+23.2%)
|
0.82
est: 0.54 (+50.7%)
|
0.94
est: 0.63 (+48.7%)
|
1.12
est: 0.72 (+56.1%)
|
1.25
est: 0.87 (+44.2%)
|
1.36
est: 0.89 (+53.5%)
|
1.13
est: 1.14 (-0.9%)
|
1.39
est: 1.46 (-4.6%)
|
1.59
est: 2.04 (-22.1%)
|
1.88
est: 1.90 (-1.2%)
|
2.05
est: 2.18 (-6.1%)
|
2.01
1.93 – 2.06
-8.0% YoY
|
2.20
2.14 – 2.27
+9.6% YoY
|
2.25
2.17 – 2.33
+2.2% YoY
|
2.40
2.36 – 2.45
+6.7% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-21 | B+ | 3/5 | 5/5 | 4/5 | 4/5 | 2/5 | 2/5 | 1/5 |
| 2026-05-20 | B+ | 3/5 | 5/5 | 4/5 | 4/5 | 2/5 | 2/5 | 1/5 |
| 2026-05-19 | B+ | 3/5 | 5/5 | 4/5 | 4/5 | 2/5 | 2/5 | 1/5 |
| 2026-05-18 | B+ | 3/5 | 5/5 | 4/5 | 4/5 | 2/5 | 2/5 | 1/5 |
| 2026-05-17 | B+ | 3/5 | 5/5 | 4/5 | 4/5 | 2/5 | 2/5 | 1/5 |
| 2026-05-14 | B+ | 3/5 | 5/5 | 4/5 | 4/5 | 2/5 | 2/5 | 1/5 |
| 2026-05-13 | B+ | 3/5 | 5/5 | 4/5 | 4/5 | 2/5 | 2/5 | 1/5 |
| 2026-05-12 | B+ | 3/5 | 5/5 | 4/5 | 4/5 | 2/5 | 2/5 | 1/5 |
| 2026-05-11 | B+ | 3/5 | 5/5 | 4/5 | 4/5 | 2/5 | 2/5 | 1/5 |
| 2026-05-10 | B+ | 3/5 | 5/5 | 4/5 | 4/5 | 2/5 | 2/5 | 1/5 |
| 2026-05-07 | C | 2/5 | 5/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 |
| 2026-05-06 | C | 2/5 | 5/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 |
| 2026-05-05 | C | 2/5 | 5/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 |
| 2026-05-04 | C | 2/5 | 5/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 |
| 2026-05-03 | C | 2/5 | 5/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-30 | C | 2/5 | 5/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-29 | C | 2/5 | 5/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-28 | C | 2/5 | 5/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-27 | C | 2/5 | 5/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-26 | C | 2/5 | 5/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-23 | A | 4/5 | 5/5 | 5/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-04-22 | A | 4/5 | 5/5 | 5/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-04-21 | A | 4/5 | 5/5 | 5/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-04-20 | A | 4/5 | 5/5 | 5/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-04-19 | A | 4/5 | 5/5 | 5/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-04-16 | A | 4/5 | 5/5 | 5/5 | 5/5 | 2/5 | 3/5 | 2/5 |
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 | 1.59% | 306.5K | 0.60% |
| 2 | iShares MSCI Saudi Arabia Capped UCITS ETF IKSA.L | 1.59% | 8.23M | 0.60% |
| 3 | Invesco MSCI Saudi Arabia UCITS ETF MSAU.L | 1.57% | 731.1K | 0.50% |
| 4 | iShares MSCI Saudi Arabia ETF KSA | 1.45% | 9.42M | 0.75% |
| 5 | Columbia Research Enhanced Emerging Economies ETF ECON | 0.18% | 593.9K | 0.54% |
| 6 | HSBC MSCI Emerging Markets Climate Paris Aligned UCITS ETF HPEM.L | 0.16% | 62.5K | 0.18% |
| 7 | iShares MSCI EM Islamic UCITS ETF ISDE.L | 0.11% | 839.9K | 0.35% |
| 8 | HSBC MSCI Emerging Markets Islamic Screened Capped UCITS ETF HIEM.SW | 0.10% | 168.5K | 0.35% |
| 9 | iShares MSCI Emerging Markets Quality Factor ETF EQLT | 0.10% | 11.6K | 0.35% |
| 10 | iShares ESG Advanced MSCI EM ETF EMXF | 0.08% | 138.3K | 0.16% |
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 Bin Mohammed Bin Ali Al Onaizan | Chief Executive Officer & Director | 865.0K | male |
| Abdulaziz Saleh Al ghufaili | Executive Vice President of Technology | — | male |
| Abdullah Mohammad Al-Arifi | Executive Vice President of Risk Management | — | male |
| Abdulmohsen Abdulaziz Almulhem | Chief Marketing & Communications Officer | — | — |
| Amal Abdullah AlMarei | Chief Compliance & Anti-Financial Crime Officer | — | — |
| Bashaar Yahya Al Qunaibit | Senior Executive Vice President Businesses | — | male |
| Haitham Medainy AlMedainy | Executive Vice President of Human Resources | — | male |
| Hisham Ali AlAkil | Executive Vice President of Finance | — | male |
| Mohammad Abdulaziz Alzoman | Chief Sharia Officer | — | — |
| Saad Ibrahim Aldrees | Executive Vice President of Corporate Banking | — | male |
| Saleh bin Suliman AlHabib | Executive Vice President of Shared Services | — | 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 1140.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.
