Saudi Investment Bank (SAIB) 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.
The Saudi Investment Bank provides commercial and retail banking services to individuals, small and medium-sized businesses, and corporate and institutional clients in Saudi Arabia. Its operations span retail and corporate banking, treasury and investment activities, and asset management and brokerage, offering deposit accounts, Shariah-compliant and structured financing, trade services, and cards alongside marine cargo insurance and payroll services. Founded in 1976, 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 16.13 compared to a market price of SAR 14.89 (Trading near DCF model value). This is an analytical estimate, not investment advice.
Net income increased by about 38% over the three-year period, growing faster than revenue's approximately 21% increase, indicating profitability expanded ahead of sales. Operating cash flow moved in the opposite direction, declining by roughly 86% from about SAR 9.72 billion to SAR 1.39 billion, even as revenue and net income both grew each year. Overall, the company's historical financial performance shows steady growth in revenue and profitability alongside a steep decline in operating cash flow.
Dividend per share fluctuated over the 5-year recorded period, ranging between SAR 0.4 and SAR 0.81, and ended at SAR 0.7 versus SAR 0.75 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 4.70%, with a payout ratio of approximately 35.99%.
TASIV's Competitive Advantage assessment for this company is High (76/100), based on profitability, predictability, financial strength, and growth resilience.
Based on TASIV's Price-to-Book (P/B) model, the estimated intrinsic value of Saudi Investment Bank (SAIB) is approximately SAR 16.13, compared to a current market price of SAR 14.89. 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, Saudi Investment Bank (SAIB) is currently "Trading near DCF model value".
Saudi Investment Bank (SAIB)'s dividend yield is approximately 4.70%, with a payout ratio of approximately 35.99%, based on TASIV's most recent verified data.
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