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1120.SR$66.70-0.82%
Fair $66.70+0.0%

1120.SR

Al Rajhi Banking and Investment Corporation

Financial Services / Banks - RegionalSaudi

$66.70

-0.55 (-0.82%)

Fairly Valued+0.0%Fair Value $66.70Fund rank 30/100 · Data gapFallback financials|
SA 35/D
F-Score: 4/9

Book/ROE base 3Y

n/d

n/d CAGR · P/B n/d

Book/ROE base 5Y

n/d

n/d base · n/d expected

Precio de entrada

n/d

MOS 100% · confianza 20%

Book/ROE escenarios

weak_data · book/share n/d · quality 66.0/100

Data gap 30/100
Bear 5Yn/dn/d
Base 5Yn/dn/d
Bull 5Yn/dn/d
Return 0/100Downside 20/100Model quality 34/100Data QA 20/100

Ranking barato/determinista: CAGR esperado 5Y + downside bear + calidad del modelo + balance + capital allocation + data gate. No entra en buy-candidate si la data es débil o el CAGR 5Y no compensa.

Quality + valuation scorecard

SA Score

35/100

D

Piotroski

4/9

balance/quality

Valuation

50/100

+0.0% upside

5Y CAGR

+0.0%

50/100

Data QA

16/100

SEC 0%

Latest source: unknownPeriods: 4Warnings: 0unknown: 4
No SEC-backed annual rows; valuation uses fallback financial data. Insufficient audited annual history (<3 SEC-backed years); financial Book/ROE targets are disabled until manually verified.
Thesis & Journal · 1120.SRLocal privado en este navegador · Al Rajhi Banking and Investment Corporation
Plantilla tipo buy-side: tesis, bull/base/bear, catalizadores, riesgos, kill criteria y fecha de revisión. Esto no gasta GPT-5.5; luego lo usamos como contexto del memo.

Sin guardar todavía.

Market Cap

$400.2B

P/E

16.6x

↑

EV/EBITDA

N/A

•

ROE

17.4%

↑

Gross Margin

N/A

•

Debt/Equity

0.56

↑
52-Week Range$67
$59$73

TradingView lightweight chart

1120.SR price, volumen y niveles de valoración

Último $66.70Periodo +252.2%
Fair value: $66.70

Price & Ratios

Absolute Values (Left Axis)

Ratios / Percentages (Right Axis)

Financial statement dashboard

Crecimiento, márgenes y provenance

2022–2025 · 3 años de histórico normalizado

Revenue CAGR

+10.9%

FCF CAGR

—

FCF margin

-66.5%

FCF / Net income

-1.04x

Latest source

Provider fallback

Margin decomposition

Último año: revenue $38.97B · net income $24.79B · FCF $-25.90B

2022-FY → 2025-FY

Gross margin

—— pts

Operating margin

—— pts

Net margin

63.6%+3.6% pts

FCF margin

-66.5%-82.5% pts
MetricTTM
2025
2024
2023
2022
Income Statement
Revenue$38.97B$38.97B$31.91B$27.43B$28.55B
Net Income$24.79B$24.79B$19.72B$16.62B$17.15B
EPS3.903.903.112.632.83
Net Margin63.6%63.6%61.8%60.6%60.1%
Balance Sheet
Debt/Equity0.560.560.310.040.01
Cash Flow
Free Cash Flow$-25.90B$-25.90B$30.09B$23.76B$4.57B
Returns
ROE17.4%17.4%16.0%15.6%17.1%
Valuation
P/E16.5916.5920.8422.4817.81
P/B2.802.803.163.333.01
Growth & Yield
Revenue Growth22.1%22.1%16.3%-3.9%—
EPS Growth25.3%25.3%18.2%-6.8%—
Dividend Yield3.5%3.5%———

Revenue, Net Income & Free Cash Flow ($B)

Margins (%)

Returns (%)

Leverage & Liquidity

Reverse DCF · market-implied EPS growthterminal P/E 15.0x · COE 10.0%

3Y implied EPS CAGR

14.9%

razonable

EPS terminal req.

$5.92

Spread vs growth

10.4%

5Y implied EPS CAGR

12.9%

razonable

EPS terminal req.

$7.16

Spread vs growth

12.3%

10Y implied EPS CAGR

11.5%

razonable

EPS terminal req.

$11.53

Spread vs growth

13.8%

Qué te dice: cuánto EPS CAGR está descontando el precio si sales al múltiplo terminal indicado. Si el growth observado queda por debajo, el mercado está pidiendo una ejecución muy fina.

Return attribution · 1Y approxreconcilia total +13.3%

Total return

+13.3%

Start / end P/E

19.5x → 17.1x

EPS bridge

3.11 → 3.90

Residual

-3.1%

EPS growth+25.3%
Multiple rerating-12.3%
Dividend+3.5%
Residual / FX / buybacks / cross-term-3.1%

Simple additive decomposition: total return = EPS growth contribution + P/E multiple contribution + dividend contribution + explicit residual. The residual captures cross-terms, buybacks/share-count effects, FX, special dividends, data noise and methodology mismatch so the bridge always reconciles.