Saudi Awwal Bank
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from Saudi Awwal 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 70Sales grew 54% in 3 years; of every extra SAR 100 of sales, SAR 70 became extra profit.
Higher than 81% of Financial Services companies in Saudi Arabia.
Asset Productivity Ratio
+54% / +45%In 3 years sales changed by +54% while total assets changed by +45%. Sales grew faster than assets.
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
98%Of every SAR 100 the company owns, SAR 98 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
Less tangible than 61% of Financial Services companies in Saudi Arabia.
Tangible Net Worth Ratio
86%Of every SAR 100 of net worth, SAR 86 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
Less tangible than 80% of Financial Services companies in Saudi Arabia.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (10)
Saudi Awwal Bank owes SAR 0.83 for every SAR 1 it owns. Net profit rose 5% 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
8.2Investors pay SAR 8.2 for every SAR 1 of Saudi Awwal Bank's yearly profit, lower than 90% of Financial Services companies in Saudi Arabia.
P/B ratio
0.80The share price is 0.80 times Saudi Awwal Bank's book value per share, higher than 50% of Financial Services companies in Saudi Arabia.
Market cap
SAR 64.7 BThe total market value of all of Saudi Awwal Bank's shares at today's price (share price × number of shares), larger than 91% of Financial Services companies in Saudi Arabia. PosiCap size class: Tito Cap.
Net worth (book value)
SAR 80.9 BWhat Saudi Awwal 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 39.36Net worth divided by the number of shares. The share price of SAR 31.50 is 0.8 times this, which is the P/B above.
Owes vs Owns
0.83×Saudi Awwal Bank owes SAR 0.83 for every SAR 1 it owns (high), higher than 77% of Financial Services companies in Saudi Arabia. Banks and lenders usually show higher figures.
Dividend yield
6.41%Saudi Awwal Bank pays 6.41% of its share price as dividends a year, higher than 74% of dividend-paying Financial Services companies in Saudi Arabia.
Revenue growth
+5%Revenue rose 5% in the year to Dec 2025, and grew 15% a year on average over 3 years.
Profit growth
+5%Net profit rose 5% in the year to Dec 2025, and grew 21% a year on average over 3 years.
Profit margin
56.9%Saudi Awwal Bank keeps SAR 57 of every SAR 100 of revenue as net profit.
Questions
What is Saudi Awwal Bank's P/E ratio?
Investors pay SAR 8.2 for every SAR 1 of Saudi Awwal Bank's yearly profit, lower than 90% 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 Saudi Awwal Bank: SAR 64.7 B ÷ SAR 80.9 B (30 Jun 2026) = 0.8.
How much does Saudi Awwal Bank owe compared with what it owns?
Saudi Awwal Bank owes SAR 0.83 for every SAR 1 it owns (high), higher than 77% of Financial Services companies in Saudi Arabia. Banks and lenders usually show higher figures.
Does Saudi Awwal Bank pay a dividend?
Yes. Saudi Awwal Bank pays 6.41% of its share price as dividends a year, higher than 74% of dividend-paying Financial Services companies in Saudi Arabia.
Is Saudi Awwal Bank's revenue growing?
Revenue rose 5% in the year to Dec 2025, and grew 15% 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.