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

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

عبداللطيف جميل للتمويل provides financial services including various types of financing for individuals and businesses.

عبداللطيف جميل للتمويل

Amlak Finance PJSC is a specialized real estate financier that provides Sharia-compliant property financing products and solutions.

Amlak Finance

أملاك العالمية للتمويل provides personal and real estate financing services, and offers financing programs for small and medium enterprises. The company is self-described as supporting its clients to achieve financial goals.

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

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

Metric
Revenue	84.64M	9.54B
Revenue (LTM)
Revenue (NTM)
Gross Profit	81.63M	9.54B
EBITDA	49.49M	6.63B
Operating Income	46.86M	6.03B
Net Income	8.46M	5.32B
EPS	0.09	0.89
Diluted EPS	0.09	0.89
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	0.96	1
Operating Profit Margin	0.53	0.63
EBITDA Margin	0.58	0.70
Net Profit Margin	0.14	0.56
Return on Equity	0.03	0.12
Return on Assets	0.01	0.02
Return on Capital Employed	0.04	0.10

COM:AMLAKINT

أملاك العالمية للتمويل

Last Close

11.94

25/11 09:25

Market Cap

1.04B

Beta: -

Volume Today

70.14K

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

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

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

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

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