Riyad Bank intrinsic value and dividend analysis using DCF, P/B, PEG and PSG models. Includes dividend yield, payout ratio, and dividend sustainability assessment. Sector: Banks. Listed on Saudi Exchange Tadawul.
Riyad Bank is a full-service Saudi bank providing retail, corporate, treasury, and investment banking and brokerage services, including deposit accounts, consumer and mortgage lending, corporate credit facilities, and Islamic banking products. It operates a branch network across Saudi Arabia with additional offices in the United Kingdom and United States, and also offers digital banking, payment processing, and insurance agency services. Founded in 1957, the bank is headquartered in Riyadh.
TASIV estimates this company's intrinsic value using a Price-to-Book (P/B) model. As of TASIV's most recent data refresh, the estimated intrinsic value is SAR 30.69 compared to a market price of SAR 20.37 (Trading significantly below DCF model value). This is an analytical estimate, not investment advice.
Net income increased by about 29% over the three-year period, outpacing revenue growth of approximately 16%, indicating profitability expanded faster than sales. Operating cash flow moved between negative and positive values in each of the three years, showing no consistent direction relative to the steady growth in revenue and net income. Overall, the company's historical financial performance shows steady growth in revenue and profitability alongside a fluctuating operating cash flow.
Dividend per share fluctuated over the 5-year recorded period, ranging between SAR 0.65 and SAR 1.75, and ended at SAR 1.19 versus SAR 1.15 at the start. Payments have been made on a Semi-Annual basis throughout this period. Overall, the company's per-share dividend has varied year to year without a consistent direction. Current dividend yield is approximately 5.84%, with a payout ratio of approximately 45.72%.
TASIV's Competitive Advantage assessment for this company is High (79/100), based on profitability, predictability, financial strength, and growth resilience.
This company currently meets the following TASIV screener criteria: Value Screener.
Based on TASIV's Price-to-Book (P/B) model, the estimated intrinsic value of Riyad Bank is approximately SAR 30.69, compared to a current market price of SAR 20.37. This is an analytical estimate based on the company's financial data, not investment advice or a recommendation to buy or sell.
According to TASIV's model, Riyad Bank is currently "Trading significantly below DCF model value".
Riyad Bank's dividend yield is approximately 5.84%, with a payout ratio of approximately 45.72%, based on TASIV's most recent verified data.
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