The Saudi National Bank
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from The Saudi National 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
- Growth Efficiency Ratio: Sales grew 20% in 3 years; of every extra SAR 100 of sales, SAR 95 became extra profit. Higher than 93% 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.
- Tangible Net Worth Ratio: Of every SAR 100 of net worth, SAR 81 is tangible; the rest is goodwill and other intangibles, often from buying other companies. Less tangible than 86% 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 95Sales grew 20% in 3 years; of every extra SAR 100 of sales, SAR 95 became extra profit.
Higher than 93% of Financial Services companies in Saudi Arabia.
Asset Productivity Ratio
+20% / +28%In 3 years sales changed by +20% while total assets changed by +28%. 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
97%Of every SAR 100 the company owns, SAR 97 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
Less tangible than 67% of Financial Services companies in Saudi Arabia.
Tangible Net Worth Ratio
81%Of every SAR 100 of net worth, SAR 81 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
Less tangible than 86% of Financial Services companies in Saudi Arabia.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (10)
The Saudi National Bank owes SAR 0.83 for every SAR 1 it owns. Net profit rose 18% in the year to Dec 2025, and grew 10% a year on average over 3 years.
Compared with Financial Services companies in Saudi Arabia · latest annual results Dec 2025.
P/E ratio
8.5Investors pay SAR 8.5 for every SAR 1 of The Saudi National Bank's yearly profit, lower than 82% of Financial Services companies in Saudi Arabia.
P/B ratio
0.98The share price is 0.98 times The Saudi National Bank's book value per share, higher than 62% of Financial Services companies in Saudi Arabia.
Market cap
SAR 210.5 BThe total market value of all of The Saudi National Bank's shares at today's price (share price × number of shares), larger than 96% of Financial Services companies in Saudi Arabia. PosiCap size class: Tito Cap.
Net worth (book value)
SAR 214.3 BWhat The Saudi National 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 36.11Net worth divided by the number of shares. The share price of SAR 35.46 is 1.0 times this, which is the P/B above.
Owes vs Owns
0.83×The Saudi National Bank owes SAR 0.83 for every SAR 1 it owns (high), higher than 74% of Financial Services companies in Saudi Arabia. Banks and lenders usually show higher figures.
Dividend yield
6.74%The Saudi National Bank pays 6.74% of its share price as dividends a year, higher than 85% 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
+18%Net profit rose 18% in the year to Dec 2025, and grew 10% a year on average over 3 years.
Profit margin
61.2%The Saudi National Bank keeps SAR 61 of every SAR 100 of revenue as net profit.
Questions
What is The Saudi National Bank's P/E ratio?
Investors pay SAR 8.5 for every SAR 1 of The Saudi National Bank's yearly profit, lower than 82% 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 The Saudi National Bank: SAR 210.5 B ÷ SAR 214.3 B (30 Jun 2026) = 1.0.
How much does The Saudi National Bank owe compared with what it owns?
The Saudi National Bank owes SAR 0.83 for every SAR 1 it owns (high), higher than 74% of Financial Services companies in Saudi Arabia. Banks and lenders usually show higher figures.
Does The Saudi National Bank pay a dividend?
Yes. The Saudi National Bank pays 6.74% of its share price as dividends a year, higher than 85% of dividend-paying Financial Services companies in Saudi Arabia.
Is The Saudi National Bank'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.