Riyad Bank
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from Riyad 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.
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 67Sales grew 38% in 3 years; of every extra SAR 100 of sales, SAR 67 became extra profit.
Higher than 75% of Financial Services companies in Saudi Arabia.
Asset Productivity Ratio
+38% / +44%In 3 years sales changed by +38% while total assets changed by +44%. 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)
Riyad Bank owes SAR 0.85 for every SAR 1 it owns. Net profit rose 12% 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
7.7Investors pay SAR 7.7 for every SAR 1 of Riyad Bank's yearly profit, lower than 98% of Financial Services companies in Saudi Arabia.
P/B ratio
0.96The share price is 0.96 times Riyad Bank's book value per share, higher than 60% of Financial Services companies in Saudi Arabia.
Market cap
SAR 76.9 BThe total market value of all of Riyad Bank's shares at today's price (share price × number of shares), larger than 94% of Financial Services companies in Saudi Arabia. PosiCap size class: Tito Cap.
Net worth (book value)
SAR 80.3 BWhat Riyad 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 20.16Net worth divided by the number of shares. The share price of SAR 19.30 is 1.0 times this, which is the P/B above.
Owes vs Owns
0.85×Riyad Bank owes SAR 0.85 for every SAR 1 it owns (high), higher than 84% of Financial Services companies in Saudi Arabia. Banks and lenders usually show higher figures.
Dividend yield
5.60%Riyad Bank pays 5.60% of its share price as dividends a year, higher than 56% of dividend-paying Financial Services companies in Saudi Arabia.
Revenue growth
+6%Revenue rose 6% in the year to Dec 2025, and grew 11% a year on average over 3 years.
Profit growth
+12%Net profit rose 12% in the year to Dec 2025, and grew 14% a year on average over 3 years.
Profit margin
56.7%Riyad Bank keeps SAR 57 of every SAR 100 of revenue as net profit.
Questions
What is Riyad Bank's P/E ratio?
Investors pay SAR 7.7 for every SAR 1 of Riyad Bank's yearly profit, lower than 98% 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 Riyad Bank: SAR 76.9 B ÷ SAR 80.3 B (30 Jun 2026) = 1.0.
How much does Riyad Bank owe compared with what it owns?
Riyad Bank owes SAR 0.85 for every SAR 1 it owns (high), higher than 84% of Financial Services companies in Saudi Arabia. Banks and lenders usually show higher figures.
Does Riyad Bank pay a dividend?
Yes. Riyad Bank pays 5.60% of its share price as dividends a year, higher than 56% of dividend-paying Financial Services companies in Saudi Arabia.
Is Riyad Bank's revenue growing?
Revenue rose 6% in the year to Dec 2025, and grew 11% 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.