Al Rajhi Bank is an Islamic bank with a network of over 500 branches. Its segments include the Retail segment which includes accepting individual customer deposits, providing credit facilities, customer debit current accounts, fees from banking services, and remittance business; Corporate segment that incorporates deposits of VIP, corporate customer deposits, credit facilities, and debit current accounts, Treasury segment through which it offers treasury services, Murabaha with SAMA and international Mutajara portfolio; and Investment services and brokerage that incorporates investments of individuals and corporate in mutual funds, local and international share trading services and investment portfolios.

Financial Strength

4/10

Name	Current	Vs Industry	Vs History
Cash-To-Debt	11.8
Equity-to-Asset	0.13
Debt-to-Equity	0.04
Debt-to-EBITDA	N/A	N/A	N/A
Interest Coverage	N/A	N/A	N/A
Piotroski F-Score	6/9	0 1 2 3 4 5 6 7 8 9
Beneish M-Score	-2.61	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

9/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	9.9
	3-Year EPS without NRI Growth Rate	14.2
	3-Year FCF Growth Rate	0.4
	3-Year Book Growth Rate	22.5
	Future 3-5Y EPS without NRI Growth Rate	3.8
	Future 3-5Y Total Revenue Growth Rate	11.67

Momentum Rank

	Name	Current	Vs Industry		Vs History
	5-Day RSI	13.79
	9-Day RSI	22.47
	14-Day RSI	27.73
	6-1 Month Momentum %	30.52
	12-1 Month Momentum %	10.38

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Dividend Yield %	2.97
	Dividend Payout Ratio	0.61
	3-Year Dividend Growth Rate	36.8
	Forward Dividend Yield %	2.97
	5-Year Yield-on-Cost %	2.97
	Shareholder Yield %	1.83

Profitability Rank

6/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	60.59
	FCF Margin %	86.62
	ROE %	16.24
	ROA %	2.11
	Years of Profitability over Past 10-Year	10

GF Value Rank

9/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	19.78
	Forward PE Ratio	16.1
	PE Ratio without NRI	19.78
	Shiller PE Ratio	27.02
	Price-to-Owner-Earnings	13.15
	PEG Ratio	1.04
	PS Ratio	11.69
	PB Ratio	2.92
	Price-to-Tangible-Book	2.95
	Price-to-Free-Cash-Flow	13.48
	Price-to-Operating-Cash-Flow	11.68
	EV-to-Revenue	9.56
	EV-to-Forward-Revenue	10.1
	EV-to-FCF	11.56
	Price-to-Projected-FCF	0.97
	Price-to-DCF (Earnings Based)	1.25
	Price-to-DCF (FCF Based)	0.64
	Price-to-Median-PS-Value	1.4
	Price-to-Peter-Lynch-Fair-Value	0.99
	Price-to-Graham-Number	1.6
	FCF Yield %	7.67
	Forward Rate of Return (Yacktman) %	24.25

GF Value: ﷼85.58

SAU:1120

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