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Alinma Bank (1150.SR)

SAR24.02 -0.38 (-1.56%)
SA SAU Financial Services Banks - Regional
Address Al Anoud Tower 11586
Riyadh, Riyadh Province, SA
CEO Abdullah Bin Ali Al Khalifa
Website alinma.com
IPO 2010-03-03
ISIN SA122050HV19

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Description

Operating within the Kingdom of Saudi Arabia, Alinma Bank offers a comprehensive suite of banking and investment solutions. For individual customers, its retail offerings encompass diverse account types such as current, family, education, and savings, alongside convenient self-service banking options. It issues a wide array of cards, including debit, credit, traveler, virtual, prepaid, purchase, and business expense cards, and also facilitates point-of-sale transactions. Furthermore, the bank extends various financing options, such as loans for vehicles, real estate, personal needs, and education, in addition to mortgage, consumer, and commercial financing. Bill payment services are also available. Beyond retail, Alinma Bank caters to corporate clients with specialized services like treasury management, letters of guarantee, documentary collections, and both import and export letters of credit, alongside guarantee verification. Its corporate solutions also include robust cash management, tailored corporate partner services, a range of finance and investment products, comprehensive financial advisory, payroll management, and payment gateway functionalities. The institution further provides extensive investment services, covering investment and asset management, custodianship, financial advisory, underwriting, and brokerage. It also operates as an authorized insurance agent. Its clientele spans individuals, small and medium-sized enterprises (SMEs), corporations, and large institutional accounts. With a physical footprint of 100 branch locations, Alinma Bank was established in 2006 and maintains its main office 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
SAR24.02 -0.38 (-1.56%)
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Volume Profile
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Liquidity & share structure
Average Volume
5M
Beta
0.09
Float Shares
2.23B
Free Float %
89.9%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+0.00% +0.00% -1.32% +7.14% +18.58% +18.11% +11.63% +10.75% +79.10% +269.80% +277.95%
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
24.02
DCF (Unlevered) 47.86 +99.3%

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) 53% Bullish
Rating 2026-05 Change
Strong Buy 2 0
Buy 6 -1
Hold 7 0
Sell 0 0
Strong Sell 0 0
Quality scores
Altman Z-Score
0.31
Distress
Piotroski F-Score
5 / 9
Average
Operational MOAT
  • Revenue growth
    +8.3% Q1'26: +86.1% (vs Q1'25)
  • EPS growth
    +15.8% Q1'26: -8.2% (vs Q1'25)
  • FCF margin
    Q1'26: -7.6% (vs Q1'25)
  • EBIT margin
    Q1'26: +35.8% (vs Q1'25)
  • ROIC
    Q1'26: +11.5% (vs Q1'25)
  • Share dilution
    +0.1% Q1'26: +0.0% (vs Q1'25)
  • Debt / EBITDA
    Q1'26: 4.66× (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 (0.11) × ERP
WACC = 32% × Ke + 68% × Kd (6.4%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 48.04 Current price: 24.02
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.
10 EPS Ana.
Dec 2027
11 Rev. Ana.
10 EPS Ana.
Dec 2028
4 Rev. Ana.
5 EPS Ana.
Dec 2029
5 Rev. Ana.
4 EPS Ana.
Revenue
2.95B
est: 3.03B (-2.6%)
3.21B
est: 3.26B (-1.5%)
4.32B
est: 4.18B (+3.4%)
4.77B
est: 4.89B (-2.5%)
5.60B
est: 5.51B (+1.6%)
5.68B
est: 5.60B (+1.4%)
6.65B
est: 6.71B (-0.9%)
7.97B
est: 8.05B (-1.0%)
9.69B
est: 9.20B (+5.3%)
10.93B
est: 10.94B (0.0%)
11.84B
est: 11.65B (+1.7%)
12.68B
12.32B – 12.93B
+8.8% YoY
13.76B
13.26B – 14.75B
+8.6% YoY
15.04B
14.55B – 15.75B
+9.3% YoY
16.32B
15.78B – 17.08B
+8.5% YoY
EBITDA
1.63B
est: 1.63B (+0.3%)
1.67B
est: 1.75B (-4.7%)
2.21B
est: 2.24B (-1.4%)
2.70B
est: 2.63B (+2.7%)
3.09B
est: 2.96B (+4.5%)
2.45B
est: 3.01B (-18.4%)
3.29B
est: 3.60B (-8.7%)
4.29B
est: 4.32B (-0.7%)
5.72B
est: 7.06B (-18.9%)
6.86B
est: 8.39B (-18.3%)
7.56B
est: 8.94B (-15.5%)
9.73B
9.45B – 9.92B
+8.8% YoY
10.56B
10.17B – 11.32B
+8.6% YoY
11.54B
11.17B – 12.09B
+9.3% YoY
12.52B
12.11B – 13.11B
+8.5% YoY
EBIT
1.47B
est: 1.51B (-3.0%)
1.50B
est: 1.63B (-7.8%)
2.01B
est: 2.09B (-3.7%)
2.52B
est: 2.45B (+2.9%)
2.82B
est: 2.76B (+2.2%)
2.20B
est: 2.80B (-21.4%)
3.04B
est: 3.36B (-9.5%)
4.01B
est: 4.02B (-0.3%)
5.40B
est: 6.77B (-20.3%)
6.50B
est: 8.05B (-19.3%)
7.13B
est: 8.58B (-16.9%)
9.34B
9.07B – 9.52B
+8.8% YoY
10.14B
9.76B – 10.86B
+8.6% YoY
11.08B
10.72B – 11.60B
+9.3% YoY
12.02B
11.62B – 12.58B
+8.5% YoY
Net Income
1.47B
est: 1.44B (+1.8%)
1.50B
est: 1.47B (+2.0%)
2.01B
est: 1.96B (+2.4%)
2.52B
est: 2.43B (+3.5%)
2.53B
est: 2.69B (-5.9%)
1.97B
est: 2.15B (-8.7%)
2.71B
est: 2.84B (-4.5%)
3.60B
est: 3.71B (-3.0%)
4.84B
est: 5.18B (-6.5%)
5.83B
est: 4.71B (+23.9%)
6.40B
est: 4.98B (+28.4%)
5.08B
4.83B – 5.33B
+2.0% YoY
5.88B
5.34B – 6.42B
+15.6% YoY
6.12B
5.86B – 6.50B
+4.2% YoY
7.71B
7.38B – 8.18B
+25.9% YoY
SGA
315.63M
est: 390.69M (-19.2%)
435.91M
est: 420.09M (+3.8%)
520.56M
est: 538.78M (-3.4%)
578.72M
est: 630.87M (-8.3%)
720.99M
est: 710.68M (+1.5%)
720.26M
est: 722.22M (-0.3%)
936.71M
est: 865.25M (+8.3%)
1.09B
est: 1.04B (+5.3%)
1.18B
est: 1.13B (+3.9%)
1.29B
est: 1.35B (-4.2%)
1.17B
est: 1.44B (-18.6%)
1.56B
1.52B – 1.59B
+8.8% YoY
1.70B
1.63B – 1.82B
+8.6% YoY
1.85B
1.79B – 1.94B
+9.3% YoY
2.01B
1.95B – 2.11B
+8.5% YoY
EPS
0.74
est: 0.58 (+27.4%)
0.76
est: 0.59 (+28.2%)
1.01
est: 0.79 (+27.9%)
1.27
est: 0.98 (+29.8%)
1.02
est: 1.08 (-5.9%)
0.99
est: 0.87 (+14.3%)
1.05
est: 1.14 (-8.0%)
1.45
est: 1.49 (-2.9%)
1.87
est: 2.08 (-10.2%)
2.22
est: 1.87 (+18.4%)
2.57
est: 1.98 (+29.9%)
2.07
1.94 – 2.14
+4.8% YoY
2.23
2.15 – 2.58
+7.7% YoY
2.46
2.36 – 2.61
+10.3% YoY
3.10
2.97 – 3.29
+25.9% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-21 B 3/5 1/5 5/5 4/5 2/5 3/5 2/5
2026-05-20 B 3/5 1/5 5/5 4/5 2/5 3/5 2/5
2026-05-19 B 3/5 1/5 5/5 4/5 2/5 3/5 2/5
2026-05-18 B 3/5 1/5 5/5 4/5 2/5 3/5 2/5
2026-05-17 B 3/5 1/5 5/5 4/5 2/5 3/5 2/5
2026-05-14 B 3/5 1/5 5/5 4/5 2/5 3/5 2/5
2026-05-13 B 3/5 1/5 5/5 4/5 2/5 3/5 2/5
2026-05-12 B 3/5 1/5 5/5 4/5 2/5 3/5 2/5
2026-05-11 B 3/5 1/5 5/5 4/5 2/5 3/5 2/5
2026-05-10 B 3/5 1/5 5/5 4/5 2/5 3/5 2/5
2026-05-07 B+ 3/5 1/5 5/5 5/5 2/5 3/5 2/5
2026-05-06 B+ 3/5 1/5 5/5 5/5 2/5 3/5 2/5
2026-05-05 B+ 3/5 1/5 5/5 5/5 2/5 3/5 2/5
2026-05-04 B+ 3/5 1/5 5/5 5/5 2/5 3/5 2/5
2026-05-03 C- 1/5 1/5 1/5 1/5 1/5 3/5 1/5
2026-04-30 C- 1/5 1/5 1/5 1/5 1/5 3/5 1/5
2026-04-29 C- 1/5 1/5 1/5 1/5 1/5 3/5 1/5
2026-04-28 C- 1/5 1/5 1/5 1/5 1/5 3/5 1/5
2026-04-27 D+ 1/5 1/5 1/5 1/5 1/5 2/5 1/5
2026-04-26 B+ 3/5 1/5 4/5 5/5 1/5 4/5 3/5
2026-04-23 B+ 3/5 1/5 4/5 5/5 1/5 4/5 3/5
2026-04-22 B 3/5 1/5 4/5 5/5 1/5 3/5 2/5
2026-04-21 B+ 3/5 3/5 4/5 5/5 1/5 3/5 3/5
2026-04-20 B+ 3/5 3/5 4/5 5/5 1/5 3/5 3/5
2026-04-19 B+ 3/5 3/5 4/5 5/5 1/5 3/5 3/5
2026-04-16 B+ 3/5 3/5 4/5 5/5 1/5 3/5 3/5
2026-04-15 B+ 3/5 3/5 4/5 5/5 1/5 3/5 3/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
2.03B
OE per share TTM
0.81
Owner's Yield
3.40%
Maintenance CapEx ratio
40.21%
Maint CapEx / Avg PPE
35.3%

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
1.71M
Shares Outstanding
2.49B

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
Abdullah Bin Ali Al Khalifa Chief Executive Officer, MD & Director 461.4K male
Abdullah Mohammed Al-Salamah Chief Human Capital Officer
Adel Saleh Abalkhail Chief Financial Officer male
Arwa Alshehri Head of Investor Relations
Eyad Osama Othman Chief Legal & Corporate Governance Officer male
Hisham Abdullah Al Turaigi Chief Credit Officer male
Meshal Hamad Alrabiah Chief Risk Officer male
Meshary Abdulaziz Mohammed AlJubair Chief Operating Officer male
Mohammed Sultan Alsehali Chief Internal Audit Officer
Saleh Abdullah Ibrahem Al Zumaie Deputy Chief Executive Officer male
Saud Aied AlMufaddaly Chief Compliance Officer male
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