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Qatar National Bank (Q.P.S.C.) (QNBK.QA)

QAR17.40 -0.12 (-0.68%)
QA DOH Financial Services Banks - Diversified
Address PO Box 1000
Doha, QA
CEO Abdulla Mubarak N. Al-Khalifa
Website qnb.com
IPO 2010-02-22
ISIN QA0006929895

Explore sections of this company profile

Description

Qatar National Bank (Q.P.S.C.), along with its subsidiary entities, delivers both conventional and Sharia-compliant banking solutions. Its operations are structured across four primary divisions: Corporate Banking, Consumer Banking, Asset and Wealth Management, and International Banking. For individual clients, the bank extends a comprehensive suite of personal financial solutions. These encompass various account types like checking, savings, term deposits, and notice accounts, alongside an array of payment cards (credit, debit, and prepaid). Lending options cover personal, supplementary, auto, auto lease, and home loans. Furthermore, it supplies insurance policies, such as life, income protection, critical illness, vehicle, home loan, and travel coverage. Asset management support is also available, complemented by convenient digital banking channels including mobile, online, ATM, SMS, and USSD access. Business customers benefit from a range of corporate banking offerings, comprising diverse account options such as current, call, fixed, and non-resident accounts, along with financing for working capital, projects, and vehicle purchases. The institution also handles structured and project financing, offers transaction banking functionalities, and provides business credit cards. Beyond this, QNB delivers specialized services in financial institutions, treasury management, investment banking, and advisory capacities, in addition to brokerage and custodial provisions. Its clientele spans private individuals, corporate entities, and high-net-worth clients. QNB maintains an extensive global footprint, operating 1,045 branches and 4,391 ATMs across continents including Africa, Asia, Europe, and throughout the Middle East and GCC region. Established in Doha, Qatar, in 1964, the bank was previously known as Qatar National Bank S.A.Q. before adopting its current designation, Qatar National Bank (Q.P.S.C.), in January 2016.

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
QAR17.40 -0.12 (-0.68%)
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Volume Profile
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Liquidity & share structure
Average Volume
2M
Beta
0.36
Float Shares
4.49B
Free Float %
49.3%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+1.12% +3.45% +3.75% -2.01% +0.50% -3.54% +5.02% +12.43% +1.69% +48.27% +2,107.56%
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
17.40
DCF (Unlevered) 14.10 -19.0%
DCF (Levered) 104.61 +501.2%
Ratings Trend (MoM) 91% Bullish
Rating 2026-05 Change
Strong Buy 3 0
Buy 7 0
Hold 1 0
Sell 0 0
Strong Sell 0 0
Quality scores
Altman Z-Score
0.37
Distress
Piotroski F-Score
7 / 9
Strong
MOAT Score
3 / 10
No MOAT
Operational MOAT
✗ Below peers
  • Revenue growth Banks - Diversified: +4.3%
    +233.8% Q1'26: +203.7% (vs Q1'25)
  • EPS growth Banks - Diversified: +17.7%
    +3.0% Q1'26: +4.7% (vs Q1'25)
  • FCF margin Banks - Diversified: +154.0%
    -42.4% Q1'26: -4.0% (vs Q1'25)
  • EBIT margin Banks - Diversified: +20.4%
    +15.8% Q1'26: +16.9% (vs Q1'25)
  • ROIC Banks - Diversified: +2.3%
    +5.8% Q1'26: +95.7% (vs Q1'25)
  • Share dilution Banks - Diversified: +3.0%
    -1.1% Q1'26: -1.0% (vs Q1'25)
  • Debt / EBITDA Banks - Diversified: 3.66×
    11.76× Q1'26: 0.00× (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 = 38% × Ke + 62% × Kd (33.9%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 14.10 Current price: 17.40
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
7 Rev. Ana.
7 EPS Ana.
Dec 2027
7 Rev. Ana.
7 EPS Ana.
Dec 2028
7 Rev. Ana.
5 EPS Ana.
Dec 2029
3 Rev. Ana.
1 EPS Ana.
Dec 2030
6 Rev. Ana.
1 EPS Ana.
Revenue
15.72B
est: 16.13B (-2.5%)
22.86B
est: 22.23B (+2.8%)
22.76B
est: 23.05B (-1.2%)
24.10B
est: 23.84B (+1.1%)
25.12B
est: 25.00B (+0.5%)
25.22B
est: 25.49B (-1.1%)
27.78B
est: 27.28B (+1.8%)
34.20B
est: 34.17B (+0.1%)
37.52B
est: 31.71B (+18.3%)
40.43B
est: 40.41B (+0.0%)
134.96B
est: 44.00B (+206.8%)
46.56B
45.62B – 47.62B
+5.8% YoY
49.28B
47.42B – 51.76B
+5.8% YoY
52.04B
52.00B – 52.07B
+5.6% YoY
53.95B
52.38B – 55.95B
+3.7% YoY
608.25B
590.52B – 630.74B
+1,027.4% YoY
EBITDA
12.55B
est: 5.31B (+136.4%)
13.79B
est: 7.31B (+88.5%)
14.49B
est: 7.58B (+91.2%)
15.04B
est: 7.84B (+91.8%)
16.02B
est: 8.22B (+94.8%)
13.82B
est: 8.39B (+64.7%)
14.99B
est: 8.98B (+67.0%)
19.07B
est: 11.24B (+69.7%)
est: 8.01B (-100.0%)
est: 10.21B (-100.0%)
22.36B
est: 11.11B (+101.3%)
11.76B
11.52B – 12.03B
+5.8% YoY
12.45B
11.98B – 13.07B
+5.8% YoY
13.14B
13.13B – 13.15B
+5.6% YoY
13.63B
13.23B – 14.13B
+3.7% YoY
153.62B
149.15B – 159.31B
+1,027.4% YoY
EBIT
12.23B
est: 4.91B (+148.8%)
13.17B
est: 6.77B (+94.4%)
13.93B
est: 7.02B (+98.5%)
14.53B
est: 7.26B (+100.2%)
15.24B
est: 7.61B (+100.2%)
13.07B
est: 7.76B (+68.4%)
14.30B
est: 8.31B (+72.0%)
18.37B
est: 10.41B (+76.5%)
-792.62M
est: 7.37B (-110.7%)
-1.05B
est: 9.40B (-111.2%)
21.37B
est: 10.23B (+108.8%)
10.83B
10.61B – 11.08B
+5.8% YoY
11.46B
11.03B – 12.04B
+5.8% YoY
12.10B
12.09B – 12.11B
+5.6% YoY
12.55B
12.18B – 13.01B
+3.7% YoY
141.47B
137.34B – 146.70B
+1,027.4% YoY
Net Income
11.26B
est: 11.33B (-0.6%)
12.36B
est: 12.23B (+1.1%)
13.13B
est: 12.98B (+1.1%)
13.79B
est: 13.69B (+0.7%)
14.35B
est: 13.59B (+5.6%)
12.00B
est: 11.62B (+3.3%)
13.21B
est: 12.63B (+4.6%)
14.35B
est: 13.50B (+6.3%)
15.51B
est: 14.92B (+4.0%)
16.72B
est: 15.81B (+5.8%)
15.85B
est: 15.92B (-0.5%)
17.87B
15.78B – 18.09B
+12.2% YoY
20.26B
17.89B – 21.70B
+13.4% YoY
22.20B
20.58B – 22.69B
+9.6% YoY
23.34B
22.46B – 24.46B
+5.1% YoY
26.31B
25.31B – 27.57B
+12.7% YoY
SGA
324.85M
est: 343.01M (-5.3%)
838.43M
est: 472.61M (+77.4%)
4.50B
est: 489.96M (+818.3%)
768.24M
est: 506.77M (+51.6%)
796.63M
est: 531.44M (+49.9%)
695.35M
est: 541.92M (+28.3%)
617.71M
est: 580.05M (+6.5%)
565.83M
est: 726.43M (-22.1%)
746.24M
est: 539.64M (+38.3%)
811.08M
est: 687.80M (+17.9%)
860.06M
est: 748.82M (+14.9%)
792.40M
776.40M – 810.54M
+5.8% YoY
838.71M
807.14M – 880.95M
+5.8% YoY
885.70M
885.10M – 886.30M
+5.6% YoY
918.30M
891.54M – 952.27M
+3.7% YoY
10.35B
10.05B – 10.74B
+1,027.4% YoY
EPS
1.22
est: 1.23 (-0.5%)
1.31
est: 1.32 (-1.1%)
1.37
est: 1.41 (-2.5%)
1.49
est: 1.48 (+0.5%)
1.45
est: 1.47 (-1.5%)
1.19
est: 1.26 (-5.4%)
1.32
est: 1.37 (-3.5%)
1.44
est: 1.46 (-1.4%)
1.55
est: 1.62 (-4.0%)
1.69
est: 1.75 (-3.4%)
1.74
est: 1.75 (-0.8%)
1.84
1.73 – 1.98
+5.0% YoY
2.13
1.96 – 2.38
+15.8% YoY
2.36
2.25 – 2.48
+10.8% YoY
2.56
2.46 – 2.68
+8.1% YoY
2.88
2.77 – 3.02
+12.7% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-25 A- 4/5 5/5 5/5 4/5 1/5 3/5 2/5
2026-05-24 A- 4/5 5/5 5/5 4/5 1/5 3/5 2/5
2026-05-21 A- 4/5 5/5 5/5 4/5 1/5 3/5 2/5
2026-05-20 A- 4/5 5/5 5/5 4/5 1/5 3/5 2/5
2026-05-19 A- 4/5 5/5 5/5 4/5 1/5 3/5 2/5
2026-05-18 A- 4/5 5/5 5/5 4/5 1/5 3/5 2/5
2026-05-17 A- 4/5 5/5 5/5 4/5 1/5 3/5 2/5
2026-05-14 A- 4/5 5/5 5/5 4/5 1/5 3/5 2/5
2026-05-13 A- 4/5 5/5 5/5 4/5 1/5 3/5 2/5
2026-05-12 A- 4/5 5/5 5/5 4/5 1/5 3/5 2/5
2026-05-11 A- 4/5 5/5 5/5 4/5 1/5 3/5 2/5
2026-05-10 A- 4/5 5/5 5/5 4/5 1/5 3/5 2/5
2026-05-07 A- 4/5 5/5 5/5 4/5 1/5 3/5 2/5
2026-05-06 A- 4/5 5/5 5/5 4/5 1/5 3/5 2/5
2026-05-05 A- 4/5 5/5 5/5 4/5 1/5 3/5 2/5
2026-05-04 A- 4/5 5/5 5/5 4/5 1/5 3/5 2/5
2026-05-03 A- 4/5 5/5 5/5 4/5 1/5 3/5 2/5
2026-04-30 A- 4/5 5/5 5/5 4/5 1/5 3/5 2/5
2026-04-29 A- 4/5 5/5 5/5 4/5 1/5 3/5 2/5
2026-04-28 A- 4/5 5/5 5/5 4/5 1/5 3/5 2/5
2026-04-27 A- 4/5 5/5 5/5 4/5 1/5 3/5 2/5
2026-04-26 A- 4/5 5/5 5/5 4/5 1/5 3/5 2/5
2026-04-23 A- 4/5 5/5 5/5 4/5 1/5 3/5 2/5
2026-04-22 A- 4/5 5/5 5/5 4/5 1/5 3/5 2/5
2026-04-21 A- 4/5 5/5 5/5 4/5 1/5 3/5 2/5
2026-04-20 A- 4/5 5/5 5/5 4/5 1/5 3/5 2/5
2026-04-19 A- 4/5 5/5 5/5 4/5 1/5 3/5 2/5
2026-04-16 A- 4/5 5/5 5/5 5/5 1/5 3/5 2/5
2026-04-15 A- 4/5 5/5 5/5 5/5 1/5 3/5 2/5
2026-04-14 A- 4/5 5/5 5/5 5/5 1/5 3/5 2/5
2026-04-13 A- 4/5 5/5 5/5 5/5 1/5 3/5 2/5
2026-04-12 A- 4/5 5/5 5/5 5/5 1/5 3/5 2/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
24.39B
OE per share TTM
2.60
Owner's Yield
15.09%
Maintenance CapEx ratio
60.12%
Maint CapEx / Avg PPE
14.2%

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
1.57M
Shares Outstanding
9.11B

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
Abdulla Mubarak N. Al-Khalifa Group Chief Executive Officer male
Abdullah Nasser Al-Khalifa Senior Executive Vice President of Group Human Capital male
Adel Ali Mohamed Al-Malki Senior Executive Vice President of Group Retail Banking male
Ali Rashid Ali Al-Mohannadi Executive GM & Group Chief Operating Officer male
Heba Ali Ghaith Al-Tamimi Senior Executive Vice President of Group Communication female
Majid Ahadian Chief Representative Officer of Iran male
Ramzi Talat A. Mari Group Chief Financial Officer male
Riadh Al Fayech Group Chief Compliance Officer male
Yousef Ali Darwish Senior Executive Vice President of Group Projects & General Services male
Yousef Mahmoud Hussain Naama Al-Neama Executive GM & Group Chief Business Officer male
Ziad Sadek Itani Chief Executive Officer of Lebanon 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