Bank AlBilad 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 Albilad provides banking products and services in Saudi Arabia through retail, corporate, treasury, and investment banking and brokerage divisions. It offers current and savings accounts, personal and real estate financing, auto leasing, remittance and currency exchange services, corporate and SME financing programs, trade finance, and payment and payroll solutions. Founded in 2004, 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 23.86 compared to a market price of SAR 25.44 (Trading near DCF model value). This is an analytical estimate, not investment advice.
Net income increased by about 29% over the three-year period, growing faster than revenue's approximately 17% increase, indicating profitability expanded ahead of sales. Operating cash flow grew at a much faster rate overall, roughly 248%, though it followed an uneven path, rising sharply in the middle year and partly receding in the final year rather than matching the steadier growth in revenue and net income. Overall, the company's historical financial performance shows growth across all three metrics, with operating cash flow expanding the most but least evenly.
Dividend per share fluctuated over the 5-year recorded period, ranging between SAR 0.45 and SAR 1.05, and ended at SAR 1.05 versus SAR 0.5 at the start. Payments have been made on an 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 4.13%, with a payout ratio of approximately 51.65%.
TASIV's Competitive Advantage assessment for this company is High (89/100), 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 AlBilad is approximately SAR 23.86, compared to a current market price of SAR 25.44. 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 AlBilad is currently "Trading near DCF model value".
Bank AlBilad's dividend yield is approximately 4.13%, with a payout ratio of approximately 51.65%, based on TASIV's most recent verified data.
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