Al Rajhi 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.
Al Rajhi Bank provides banking and investment services in Saudi Arabia and internationally through retail, corporate, treasury, and investment services and brokerage divisions. It offers savings accounts, personal, auto, real estate, and point-of-sale financing, credit cards, insurance products, and cash management services, alongside mutual fund investments, share trading, and trade finance instruments such as letters of credit and guarantee. 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 48.31 compared to a market price of SAR 66.00 (Trading above DCF model value). This is an analytical estimate, not investment advice.
Net income increased by about 49% over the three-year period, growing slightly faster than revenue's approximately 42% increase, with both metrics rising steadily each year. Operating cash flow moved in a markedly different direction, rising sharply in the middle year before turning negative in the final year, ending well below its starting level despite the continued growth in revenue and net income. Overall, the company's historical financial performance shows steady growth in revenue and profitability alongside an operating cash flow that turned negative.
Over the 5 years on record, dividend per share fell in each period, moving from SAR 2.4 to SAR 1.75 — a decline of about 27%. Payments have been made on a Semi-Annual basis throughout this period. The company's per-share dividend has declined steadily across the recorded period. Current dividend yield is approximately 3.35%, with a payout ratio of approximately 53.49%.
TASIV's Competitive Advantage assessment for this company is High (94/100), based on profitability, predictability, financial strength, and growth resilience.
Based on TASIV's Price-to-Book (P/B) model, the estimated intrinsic value of Al Rajhi Bank is approximately SAR 48.31, compared to a current market price of SAR 66.00. 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, Al Rajhi Bank is currently "Trading above DCF model value".
Al Rajhi Bank's dividend yield is approximately 3.35%, with a payout ratio of approximately 53.49%, based on TASIV's most recent verified data.
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