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The Saudi National Bank (1180.SR)
Riyadh, Riyadh Province, SA
The Saudi National Bank is a leading provider of diverse banking and financial services within Saudi Arabia. Its operations are organized into four core divisions: Retail, Wholesale, Capital Market, and International. The Retail division delivers banking solutions, including lending and current accounts, alongside Shariah-compliant products, to individual consumers and private banking clients. The Wholesale segment extends conventional credit facilities and various financing options to small, medium, and large-scale businesses and corporations. This segment also manages a spectrum of treasury and correspondent banking functions, encompassing money market transactions and foreign exchange, in addition to conducting investment and trading activities and mitigating associated liquidity, market, and credit risks. The Capital Market segment specializes in wealth management, asset management, investment banking, and stock brokerage services. Internationally, the bank's International segment provides banking services outside Saudi Arabia. Beyond its primary banking activities, the company also distributes and markets Islamic insurance offerings, functions as a private equity and hedge fund, issues bonds, invests in and manages real estate development ventures, and engages in trading derivatives and repos/reverse repos. Additional services include recruitment and trade finance. Customers also have access to essential amenities such as debit and credit cards, comprehensive online and mobile banking platforms, safe deposit boxes, efficient cash management, and currency exchange services. The Saudi National Bank boasts an extensive domestic presence with 506 branches, 12 retail service centers, 7 corporate service centers, and 130 QuickPay remittance centers across Saudi Arabia. Globally, it maintains four overseas branches in the Kingdom of Bahrain, the United Arab Emirates, Qatar, and the Republic of Singapore. Founded in 1953 and headquartered in Riyadh, Saudi Arabia, the institution was formerly known as The National Commercial Bank, adopting its current name, The Saudi National Bank, in April 2021.
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% | +0.31% | -1.25% | +7.24% | +4.01% | +12.57% | +5.91% | -1.43% | +95.83% | +59.19% |
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 | 4 | -2 |
| Buy | 11 | 0 |
| Hold | 0 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 1 | 0 |
-
Revenue growth+22.5% Q1'26: -32.4% (vs Q1'25)
-
EPS growth+17.1% Q1'26: +2.7% (vs Q1'25)
-
FCF margin— Q1'26: +36.7% (vs Q1'25)
-
EBIT margin— Q1'26: +108.6% (vs Q1'25)
-
ROIC— Q1'26: +5.6% (vs Q1'25)
-
Share dilution-0.3% Q1'26: +3.9% (vs Q1'25)
-
Debt / EBITDA— Q1'26: 11.12× (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 9 Rev. Ana. 9 EPS Ana. |
Dec 2027 11 Rev. Ana. 8 EPS Ana. |
Dec 2028 4 Rev. Ana. 7 EPS Ana. |
Dec 2029 5 Rev. Ana. 6 EPS Ana. |
Dec 2030 5 Rev. Ana. 6 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
17.75B
est: 17.59B (+0.9%)
|
18.87B
est: 18.74B (+0.7%)
|
18.75B
est: 18.35B (+2.2%)
|
19.33B
est: 19.19B (+0.7%)
|
20.77B
est: 19.99B (+3.9%)
|
21.94B
est: 21.04B (+4.3%)
|
29.42B
est: 30.08B (-2.2%)
|
34.07B
est: 33.27B (+2.4%)
|
35.89B
est: 34.09B (+5.3%)
|
37.62B
est: 36.42B (+3.3%)
|
46.07B
est: 38.97B (+18.2%)
|
41.18B
40.30B – 41.90B
+5.7% YoY
|
44.51B
41.39B – 45.80B
+8.1% YoY
|
47.85B
45.61B – 48.97B
+7.5% YoY
|
50.81B
48.43B – 52.00B
+6.2% YoY
|
59.45B
56.67B – 60.84B
+17.0% YoY
|
| EBITDA |
9.95B
est: 11.50B (-13.5%)
|
10.18B
est: 12.25B (-16.9%)
|
10.62B
est: 12.00B (-11.5%)
|
11.44B
est: 12.55B (-8.8%)
|
13.78B
est: 13.07B (+5.5%)
|
13.83B
est: 13.76B (+0.5%)
|
16.25B
est: 19.67B (-17.4%)
|
23.56B
est: 21.76B (+8.3%)
|
25.05B
est: 22.17B (+13.0%)
|
26.22B
est: 23.68B (+10.7%)
|
28.23B
est: 25.35B (+11.4%)
|
26.78B
26.21B – 27.25B
+5.7% YoY
|
28.95B
26.92B – 29.78B
+8.1% YoY
|
31.12B
29.66B – 31.85B
+7.5% YoY
|
33.05B
31.50B – 33.82B
+6.2% YoY
|
38.66B
36.85B – 39.57B
+17.0% YoY
|
| EBIT |
9.15B
est: 10.44B (-12.4%)
|
9.42B
est: 11.12B (-15.3%)
|
9.96B
est: 10.89B (-8.5%)
|
10.83B
est: 11.39B (-4.9%)
|
12.92B
est: 11.87B (+8.9%)
|
12.93B
est: 12.49B (+3.5%)
|
14.45B
est: 17.85B (-19.0%)
|
21.28B
est: 19.75B (+7.7%)
|
22.77B
est: 20.22B (+12.6%)
|
23.61B
est: 21.60B (+9.3%)
|
27.06B
est: 23.11B (+17.1%)
|
24.42B
23.90B – 24.85B
+5.7% YoY
|
26.40B
24.55B – 27.16B
+8.1% YoY
|
28.38B
27.05B – 29.05B
+7.5% YoY
|
30.14B
28.73B – 30.84B
+6.2% YoY
|
35.26B
33.61B – 36.09B
+17.0% YoY
|
| Net Income |
9.09B
est: 13.34B (-31.8%)
|
9.32B
est: 13.11B (-29.0%)
|
9.80B
est: 14.21B (-31.0%)
|
9.59B
est: 15.12B (-36.5%)
|
11.40B
est: 15.33B (-25.6%)
|
11.44B
est: 16.65B (-31.3%)
|
12.67B
est: 13.17B (-3.8%)
|
18.58B
est: 18.33B (+1.4%)
|
20.01B
est: 19.48B (+2.7%)
|
21.19B
est: 19.95B (+6.2%)
|
25.06B
est: 23.05B (+8.7%)
|
24.47B
22.88B – 25.66B
+6.2% YoY
|
26.61B
23.70B – 27.92B
+8.7% YoY
|
28.83B
27.08B – 29.71B
+8.4% YoY
|
32.05B
30.10B – 33.03B
+11.2% YoY
|
35.08B
32.95B – 36.15B
+9.4% YoY
|
| SGA |
1.48B
est: 1.50B (-1.3%)
|
2.07B
est: 1.60B (+29.6%)
|
1.59B
est: 1.56B (+1.6%)
|
1.62B
est: 1.64B (-0.8%)
|
1.53B
est: 1.70B (-10.3%)
|
1.71B
est: 1.79B (-4.9%)
|
3.08B
est: 2.56B (+20.2%)
|
2.66B
est: 2.84B (-6.1%)
|
2.87B
est: 2.79B (+2.7%)
|
3.22B
est: 2.98B (+7.9%)
|
2.82B
est: 3.19B (-11.8%)
|
3.37B
3.30B – 3.43B
+5.7% YoY
|
3.64B
3.39B – 3.75B
+8.1% YoY
|
3.92B
3.74B – 4.01B
+7.5% YoY
|
4.16B
3.97B – 4.26B
+6.2% YoY
|
4.87B
4.64B – 4.98B
+17.0% YoY
|
| EPS |
2.28
est: 2.24 (+1.8%)
|
2.33
est: 2.20 (+5.8%)
|
2.46
est: 2.39 (+3.0%)
|
2.41
est: 2.54 (-5.1%)
|
2.86
est: 2.58 (+11.1%)
|
2.87
est: 2.80 (+2.6%)
|
2.33
est: 2.21 (+5.3%)
|
3.27
est: 3.08 (+6.2%)
|
3.36
est: 3.27 (+2.6%)
|
3.57
est: 3.41 (+4.6%)
|
4.17
est: 3.99 (+4.6%)
|
4.13
3.85 – 4.32
+3.7% YoY
|
4.47
3.99 – 4.70
+8.1% YoY
|
4.86
4.56 – 5.01
+8.7% YoY
|
5.40
5.07 – 5.56
+11.2% YoY
|
5.91
5.55 – 6.09
+9.4% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-21 | B | 3/5 | 3/5 | 4/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-05-20 | B | 3/5 | 3/5 | 4/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-05-19 | B | 3/5 | 3/5 | 4/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-05-18 | B | 3/5 | 3/5 | 4/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-05-17 | B | 3/5 | 3/5 | 4/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-05-14 | B | 3/5 | 3/5 | 4/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-05-13 | B | 3/5 | 3/5 | 4/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-05-12 | B | 3/5 | 3/5 | 4/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-05-11 | B | 3/5 | 3/5 | 4/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-05-10 | B | 3/5 | 3/5 | 4/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-05-07 | B+ | 3/5 | 3/5 | 4/5 | 5/5 | 1/5 | 3/5 | 2/5 |
| 2026-05-06 | B+ | 3/5 | 3/5 | 4/5 | 5/5 | 1/5 | 3/5 | 2/5 |
| 2026-05-05 | B+ | 3/5 | 3/5 | 4/5 | 5/5 | 1/5 | 3/5 | 2/5 |
| 2026-05-04 | B+ | 3/5 | 3/5 | 4/5 | 5/5 | 1/5 | 3/5 | 2/5 |
| 2026-05-03 | B+ | 3/5 | 3/5 | 4/5 | 5/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-30 | C | 2/5 | 3/5 | 1/5 | 1/5 | 1/5 | 3/5 | 1/5 |
| 2026-04-29 | C | 2/5 | 3/5 | 1/5 | 1/5 | 1/5 | 3/5 | 1/5 |
| 2026-04-28 | C | 2/5 | 3/5 | 1/5 | 1/5 | 1/5 | 3/5 | 1/5 |
| 2026-04-27 | C | 2/5 | 3/5 | 1/5 | 1/5 | 1/5 | 3/5 | 1/5 |
| 2026-04-26 | C | 2/5 | 3/5 | 1/5 | 1/5 | 1/5 | 3/5 | 1/5 |
| 2026-04-23 | C | 2/5 | 3/5 | 1/5 | 1/5 | 1/5 | 3/5 | 1/5 |
| 2026-04-22 | C | 2/5 | 3/5 | 1/5 | 1/5 | 1/5 | 3/5 | 1/5 |
| 2026-04-21 | A- | 4/5 | 3/5 | 4/5 | 5/5 | 2/5 | 3/5 | 3/5 |
| 2026-04-20 | A- | 4/5 | 3/5 | 4/5 | 5/5 | 2/5 | 3/5 | 3/5 |
| 2026-04-19 | A- | 4/5 | 3/5 | 4/5 | 5/5 | 2/5 | 3/5 | 3/5 |
| 2026-04-16 | A- | 4/5 | 3/5 | 4/5 | 5/5 | 2/5 | 3/5 | 3/5 |
| 2026-04-15 | A- | 4/5 | 3/5 | 4/5 | 5/5 | 2/5 | 4/5 | 3/5 |
| 2026-04-14 | A- | 4/5 | 3/5 | 4/5 | 5/5 | 2/5 | 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.
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 |
|---|---|---|---|
| Tareq Abdulrahman Al-Sadhan | Chief Executive Officer & Director | 2M | male |
| Fuad Bin Abdullah Al Harbi | Group Chief Compliance Officer | — | male |
| Hasan Faisal Hammad | Group Chief Human Resources Officer | — | male |
| Hussein Hassan Hussein Eid | Group Chief Financial Officer | — | male |
| Saleh Mohammed Saleh | Head of Group Shared Services & Group Chief Operating Officer | — | male |
| Sara Abdullatif Nugali | Head of Group Strategy & Business Development | — | female |
| Saud Abdulaziz Bajbair | Group Head of Retail Business | — | male |
| Wael bin Abdulaziz Raies | Head of Group Strategy and Innovation | — | male |
| Abdulbadie Alyafi | Head of Investor Relations | — | male |
| Waleed Bin Hassan Abdulshakoor | Group Chief Legal Counsel | — | 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 1180.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.
