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Al Rajhi Banking and Investment Corporation 1120.SR

SA · Saudi Exchange (Tadawul) · XSAU · stock · Financial Services · website

Al Rajhi Banking and Investment Corporation statistics & valuation

Market capSAR 384.3B
P / E15.5×
P / S9.9×
P / B2.7×
Dividend yield2.30%
Net margin63.6%
Return on equity17.4%
FCF margin-66.5%
Net cashSAR 1.2B
Enterprise value USD$102.1B
Graham number -28.7%SAR 45.69

Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value (SAR 45.69); a green figure means the price is below it.

Profitability & efficiency

Net margin (%)
60.10% 60.60% 61.80% 63.60% 2022202320242025
Gross margin (%)
2022202320242025
Operating margin (%)
2022202320242025
Return on equity (%)
17.10% 15.60% 16.00% 17.40% 2022202320242025
Shares outstanding
6.00B 6.00B 6.00B 6.00B 2022202320242025
Net debt (SAR )
-SAR 67.59B -SAR 47.77B -SAR 35.46B -SAR 1.18B 2022202320242025
Share buybacks (SAR )
2022202320242025
Return on assets (%)
2.30% 2.10% 2.00% 2.40% 2022202320242025
Free cash flow margin (%)
16.00% 86.60% 94.30% -66.50% 2022202320242025
Debt / equity (×)
0.01× 0.04× 0.31× 0.56× 2022202320242025
EPS (SAR )
SAR 2.83 SAR 2.63 SAR 3.11 SAR 3.90 2022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

Al Rajhi Banking and Investment Corporation trades at about 16.4× earnings — below its 10-year norm (10-year range 18.3×–21.3×, median 21.2×).

16.4× 21.3×

Shaded band = 10-year range (18.3×–21.3×); dot = today's 16.4×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022
Net margin63.6%61.8%60.6%60.1%
FCF margin-66.5%94.3%86.6%16.0%
Return on assets2.4%2.0%2.1%2.3%
Return on equity17.4%16.0%15.6%17.1%

Computed from company filings · SA · as of 2025-12-31. Figures in SAR. Facts plus Stocktoria's own computed scores — not investment advice.