Alinma Bank
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from Alinma Bank's yearly results (2022–2025), compared with Financial Services companies in Saudi Arabia. Tap ? on any ratio for what it means.
What stands out
- Steadiness Ratio: Sales and profit both grew in each of the last 3 years. Steadier than 89% of Financial Services companies in Saudi Arabia.
- Growth Efficiency Ratio: Sales grew 49% in 3 years; of every extra SAR 100 of sales, SAR 72 became extra profit. Higher than 87% of Financial Services companies in Saudi Arabia.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
3/3 · 3/3Sales and profit both grew in each of the last 3 years.
Steadier than 89% of Financial Services companies in Saudi Arabia.
Growth Efficiency Ratio
SAR 72Sales grew 49% in 3 years; of every extra SAR 100 of sales, SAR 72 became extra profit.
Higher than 87% of Financial Services companies in Saudi Arabia.
Asset Productivity Ratio
+49% / +55%In 3 years sales changed by +49% while total assets changed by +55%. Assets grew faster than sales.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
—Data incomplete
Tangible Net Worth Ratio
—Data incomplete
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
Alinma Bank owes SAR 0.85 for every SAR 1 it owns. Net profit rose 10% in the year to Dec 2025, and grew 21% a year on average over 3 years.
Compared with Financial Services companies in Saudi Arabia · latest annual results Dec 2025.
P/E ratio
10.6Investors pay SAR 10.6 for every SAR 1 of Alinma Bank's yearly profit, lower than 62% of Financial Services companies in Saudi Arabia.
P/B ratio
1.27The share price is 1.27 times Alinma Bank's book value per share, higher than 74% of Financial Services companies in Saudi Arabia.
Market cap
SAR 63.7 BThe total market value of all of Alinma Bank's shares at today's price (share price × number of shares), larger than 89% of Financial Services companies in Saudi Arabia. PosiCap size class: Tito Cap.
Net worth (book value)
SAR 50.1 BWhat Alinma Bank would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
SAR 16.71Net worth divided by the number of shares. The share price of SAR 21.22 is 1.3 times this, which is the P/B above.
Return on equity (ROE)
13.9%Alinma Bank earned 13.9% on its shareholders' money over the last year, higher than 87% of Financial Services companies in Saudi Arabia.
Owes vs Owns
0.85×Alinma Bank owes SAR 0.85 for every SAR 1 it owns (high), higher than 82% of Financial Services companies in Saudi Arabia. Banks and lenders usually show higher figures.
Dividend yield
4.88%Alinma Bank pays 4.88% of its share price as dividends a year, lower than 56% of dividend-paying Financial Services companies in Saudi Arabia.
Revenue growth
+8%Revenue rose 8% in the year to Dec 2025, and grew 14% a year on average over 3 years.
Profit growth
+10%Net profit rose 10% in the year to Dec 2025, and grew 21% a year on average over 3 years.
Profit margin
54.0%Alinma Bank keeps SAR 54 of every SAR 100 of revenue as net profit.
Questions
What is Alinma Bank's P/E ratio?
Investors pay SAR 10.6 for every SAR 1 of Alinma Bank's yearly profit, lower than 62% of Financial Services companies in Saudi Arabia.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For Alinma Bank: SAR 63.7 B ÷ SAR 50.1 B (30 Jun 2026) = 1.3.
What is Alinma Bank's return on equity?
Alinma Bank earned 13.9% on its shareholders' money over the last year, higher than 87% of Financial Services companies in Saudi Arabia.
How much does Alinma Bank owe compared with what it owns?
Alinma Bank owes SAR 0.85 for every SAR 1 it owns (high), higher than 82% of Financial Services companies in Saudi Arabia. Banks and lenders usually show higher figures.
Does Alinma Bank pay a dividend?
Yes. Alinma Bank pays 4.88% of its share price as dividends a year, lower than 56% of dividend-paying Financial Services companies in Saudi Arabia.
Is Alinma Bank's revenue growing?
Revenue rose 8% in the year to Dec 2025, and grew 14% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.