Bank Al Jazira 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.
Bank AlJazira is a Shari'ah-compliant Saudi bank offering personal banking, corporate banking, treasury, brokerage, and asset management services. Its products include savings and current accounts, credit cards, real estate and auto financing, and insurance, alongside treasury operations, private banking and wealth management, and investment banking services such as IPOs and debt capital markets. Founded in 1975, the bank is headquartered in Jeddah.
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 13.28 compared to a market price of SAR 11.97 (Trading below DCF model value). This is an analytical estimate, not investment advice.
Net income rose by about 48% over the three-year period, faster than revenue's approximately 34% increase, indicating profitability grew ahead of sales. Operating cash flow stayed negative in two of the three years, moving from roughly -SAR 1.68 billion to about -SAR 0.76 billion with one positive year in between, unlike the steady growth seen in revenue and net income. Overall, the company's historical performance shows consistent growth in revenue and profitability alongside operating cash flow that remained mostly negative.
Over the 5 years on record, dividend per share moved both up and down, from SAR 0.8 to a recent SAR 0.5, with a low of SAR 0.3 and a high of SAR 0.8 along the way. Payments have been made on an Annual basis throughout this period. The company's dividend history shows no consistent year-over-year direction. Current dividend yield is approximately 4.18%, with a payout ratio of approximately 42.55%.
TASIV's Competitive Advantage assessment for this company is High (85/100), based on profitability, predictability, financial strength, and growth resilience.
Based on TASIV's Price-to-Book (P/B) model, the estimated intrinsic value of Bank Al Jazira is approximately SAR 13.28, compared to a current market price of SAR 11.97. 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, Bank Al Jazira is currently "Trading below DCF model value".
Bank Al Jazira's dividend yield is approximately 4.18%, with a payout ratio of approximately 42.55%, based on TASIV's most recent verified data.
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