Bank Albilad
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from Bank Albilad's yearly results (2022–2025), compared with Financial Services companies in Saudi Arabia. Tap ? on any ratio for what it means.
What stands out
- Growth Efficiency Ratio: Sales grew 20% in 3 years; of every extra SAR 100 of sales, SAR 96 became extra profit. Higher than 96% of Financial Services companies in Saudi Arabia.
- Steadiness Ratio: Sales and profit both grew in each of the last 3 years. Steadier than 89% 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 96Sales grew 20% in 3 years; of every extra SAR 100 of sales, SAR 96 became extra profit.
Higher than 96% of Financial Services companies in Saudi Arabia.
Asset Productivity Ratio
+20% / +34%In 3 years sales changed by +20% while total assets changed by +34%. 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 (10)
Bank Albilad owes SAR 0.87 for every SAR 1 it owns. Net profit rose 9% in the year to Dec 2025, and grew 14% a year on average over 3 years.
Compared with Financial Services companies in Saudi Arabia · latest annual results Dec 2025.
P/E ratio
10.5Investors pay SAR 10.5 for every SAR 1 of Bank Albilad's yearly profit, lower than 70% of Financial Services companies in Saudi Arabia.
P/B ratio
1.30The share price is 1.30 times Bank Albilad's book value per share, higher than 77% of Financial Services companies in Saudi Arabia.
Market cap
SAR 31.0 BThe total market value of all of Bank Albilad's shares at today's price (share price × number of shares), larger than 82% of Financial Services companies in Saudi Arabia. PosiCap size class: Meso Cap.
Net worth (book value)
SAR 23.8 BWhat Bank Albilad 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 15.85Net worth divided by the number of shares. The share price of SAR 20.68 is 1.3 times this, which is the P/B above.
Owes vs Owns
0.87×Bank Albilad owes SAR 0.87 for every SAR 1 it owns (high), higher than 94% of Financial Services companies in Saudi Arabia. Banks and lenders usually show higher figures.
Dividend yield
5.05%Bank Albilad pays 5.05% of its share price as dividends a year, higher than 50% of dividend-paying Financial Services companies in Saudi Arabia.
Revenue growth
+9%Revenue rose 9% in the year to Dec 2025, and grew 6% a year on average over 3 years.
Profit growth
+9%Net profit rose 9% in the year to Dec 2025, and grew 14% a year on average over 3 years.
Profit margin
49.3%Bank Albilad keeps SAR 49 of every SAR 100 of revenue as net profit.
Questions
What is Bank Albilad's P/E ratio?
Investors pay SAR 10.5 for every SAR 1 of Bank Albilad's yearly profit, lower than 70% 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 Bank Albilad: SAR 31.0 B ÷ SAR 23.8 B (30 Jun 2026) = 1.3.
How much does Bank Albilad owe compared with what it owns?
Bank Albilad owes SAR 0.87 for every SAR 1 it owns (high), higher than 94% of Financial Services companies in Saudi Arabia. Banks and lenders usually show higher figures.
Does Bank Albilad pay a dividend?
Yes. Bank Albilad pays 5.05% of its share price as dividends a year, higher than 50% of dividend-paying Financial Services companies in Saudi Arabia.
Is Bank Albilad's revenue growing?
Revenue rose 9% in the year to Dec 2025, and grew 6% 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.