Alinma 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.
Alinma Bank provides banking and investment services in Saudi Arabia through retail, corporate, treasury, and investment and brokerage divisions. Its offerings include current and savings accounts, personal, auto, real estate, and SME financing, treasury and trade finance services, and investment management, asset management, and brokerage services, alongside digital banking. Founded in 2006, 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 22.88 compared to a market price of SAR 25.16 (Trading near DCF model value). This is an analytical estimate, not investment advice.
Net income increased by about 32% over the three-year period, growing faster than revenue's approximately 22% increase, indicating profitability expanded ahead of sales. Operating cash flow moved in the opposite direction, declining each year and turning negative by the final year, from about SAR 8.36 billion to roughly -SAR 2.16 billion, unlike the steady growth in revenue and net income. Overall, the company's historical financial performance shows consistent growth in revenue and profitability alongside operating cash flow that declined into negative territory.
Over the 5 years on record, dividend per share moved both up and down, from SAR 0.95 to a recent SAR 0.5, with a low of SAR 0.5 and a high of SAR 1.2 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 4.77%, with a payout ratio of approximately 56.28%.
TASIV's Competitive Advantage assessment for this company is High (87/100), based on profitability, predictability, financial strength, and growth resilience.
Based on TASIV's Price-to-Book (P/B) model, the estimated intrinsic value of Alinma Bank is approximately SAR 22.88, compared to a current market price of SAR 25.16. 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, Alinma Bank is currently "Trading near DCF model value".
Alinma Bank's dividend yield is approximately 4.77%, with a payout ratio of approximately 56.28%, based on TASIV's most recent verified data.
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