The Saudi National Bank provides various banking products and services in Saudi Arabia. The company operates through four segments: Retail, Wholesale, Capital Market, and International. The Retail segment provides banking services, including lending and current accounts, as well as products in compliance with Shariah rules to individuals and private banking customers. The Wholesale segment offers various conventional credit-related products and financing products to small sized businesses, medium and large establishments, and companies, as well as various treasury and correspondent banking products and services comprising money market and foreign exchange; carries out investment and trading activities; and manages liquidity, market, and credit risks related to investments. The Capital Market segment offers wealth management, asset management, investment banking, and shares brokerage services. The International segment provides banking services outside Saudi Arabia. It also distributes and markets Islamic insurance products; operates as a private equity and hedge fund; issues bonds; invests in and manages real estate development projects; engages in trading in derivatives and repos/reverse repos activities; and provides recruitment and trade finance services. In addition, the company offers debit and credit cards; online and mobile banking services; safe deposit boxes; and cash management and currency exchange services. It operates through 506 branches, 12 retail service centers, 7 corporate service centers, and 130 QuickPay remittance centers in Saudi Arabia, as well as four overseas branches in the Kingdom of Bahrain, the United Arab Emirates, Qatar, and the Republic of Singapore. The company was formerly known as The National Commercial Bank and changed its name to The Saudi National Bank in April 2021. The Saudi National Bank was founded in 1953 and is headquartered in Riyadh, Saudi Arabia.

The Saudi National Bank

Amlak International for Real Estate Finance Company provides real estate finance in Saudi Arabia. The company operates through Retail and Corporate segments. It provides finance products to small and medium sized businesses, individuals, corporates, high net worth individuals, and institutional customers. The company was incorporated in 2007 and is headquartered in Riyadh, the Kingdom of Saudi Arabia.

Amlak International for Real Estate Finance Company

Saudi National Bank provides personal, business, and corporate banking services, along with financial products. The bank is self-described as a leading financial institution in the Saudi market.

Metric
Company Name	The Saudi National Bank	Amlak International for Real Estate Finance Company
Symbol	1.18K	1.18K
MSH ID	COM:ALAHLI	COM:AMLAKINT
Market	STOCKS	STOCKS
Sector	Financial Services	Financial Services
Industry	Banks - Regional	Financial - Mortgages
Country	SA	SA
Stage
Employee Count	16.08K	300
Website	alahli.com	amlakint.com
LinkedIn
Founders

Metric
Market Cap	56.90B	277.49M
Enterprise Value
Monthly Web Traffic
Web Traffic Growth
Valuation
Raised Capital

Metric
Revenue	9.54B	84.64M
Revenue (LTM)
Revenue (NTM)
Gross Profit	9.54B	81.63M
EBITDA	6.63B	49.49M
Operating Income	6.03B	46.86M
Net Income	5.32B	8.46M
EPS	0.89	0.09
Diluted EPS	0.89	0.09
Revenue 2022
Revenue 2023
Revenue 2024
Revenue 2025
Revenue 2026

Metric
Revenue Growth (LTM)
Revenue Growth (NTM)
Gross Profit Growth (LTM)
EBITDA Growth (LTM)
Net Income Growth (LTM)
14-Day Growth Score
28-Day Growth Score
90-Day Growth Score
365-Day Growth Score

Metric
Gross Profit Margin	1	0.96
Operating Profit Margin	0.63	0.53
EBITDA Margin	0.70	0.58
Net Profit Margin	0.56	0.14
Return on Equity	0.12	0.03
Return on Assets	0.02	0.01
Return on Capital Employed	0.10	0.04

COM:ALAHLI

Saudi National Bank

Last Close

33.10

25/11 09:25

Market Cap

214.02B

Beta: -

Volume Today

1.03M

Avg: -

Company Overview

Market Metrics

Financial Performance

Growth Metrics

Profitability Ratios

Valuation Multiples

Operational Metrics

Cash Flow Metrics

Balance Sheet Metrics

Efficiency Metrics

Metric
P/E Ratio	12.83	32.09
P/B Ratio	1.51	1.05
Revenue Multiple (LTM)
Revenue Multiple (NTM)
EBITDA Multiple (LTM)
EBITDA Multiple (NTM)
Price to Sales Ratio	6.73	6.04
EV Multiple	16.57	-7.64

Metric
Days Sales Outstanding
Days Payables Outstanding
Days Inventory Outstanding		921.68
Operating Cycle		7.10K
Cash Conversion Cycle		7.10K
Asset Turnover	0.05	0.08

Metric
Operating Cash Flow	10.39B	-104.43M
Free Cash Flow	9.86B	-110.26M
Cash Flow to Debt	0.18	-0.15
Operating Cash Flow/Sales	1.09	-1.78
Free Cash Flow Yield	0.07	-0.14

Metric
Cash & Equivalents	20.00B	9.31K
Accounts Receivable		-123.58M
Inventory		7.58M
Goodwill	9.04B
Debt to Capitalization	0.60	0.70
Debt to Assets	0.01	0.61
Current Ratio
Quick Ratio	0.17	230.19

Metric
Rule of 40 (LTM)
Rule of 40 (NTM)
Stock Comp to Revenue	0.01
R&D to Revenue
SG&A to Revenue	0.08	0.09