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Al Rajhi Banking and Investment Corporation (1120) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

Al Rajhi Banking and Investment Corporation

1120Market cap $101BPrice $16.8

Country🇸🇦Saudi Arabia

SectorFinancials

IndustryBanks

Operates the world's largest Islamic bank, serving 25 million customers across Saudi Arabia and beyond. Follows Sharia-compliant banking principles, meaning no interest charges—profits come from trade financing and partnerships instead.

In Bastion Portfolios?

52W Return-11%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+12%–

Revenue Forecast

Rev CAGR (1y)na–

Rev CAGR (3y)+12%–

Rev CAGR (5y)+7%6

Earnings Forecast

EPS Growth Y+1-25%2

EPS Growth Y+2+9%6

EPS Growth Y+3+10%6

Quality

Margins

EBIT Margin0%7

Net Income Margin68%10

Free Cash Flow Margin-14%2

Debt

Net Debt/EBITDAna–

Efficiency

ROE17%7

ROA3%4

Earnings Stability77

GEAR+

Not enough data to calculate the GEAR+ rating.

Value

Price Multiples

P/E Ratio (Forward)146

P/E Ratio (Forward 3y)126

P/BV2.56

EV Multiples

EV/EBITDA Fwd06

EV/EBIT Fwd06

Yield

Free Cash Flow Yield0.0%7

Dividend Yieldna–

Momentum

Short term

1 month return-3%6

3 month return-2%6

YTD return+1%5

Mid term

Price vs 52wHigh88%7

1 year return-8%4

Long term

3 year return+59%6

5 year return+31%5

Risk Shield

Price Risk

Beta0.110

Volatility18%10

Free Cash Flow

Free Cash Flow Margin-14%2

Free Cash Flow Yield0.0%7

Quality

ROCE14%4

Earnings Stability77

Net Debt/EBITDAna–

02Growth

Is it actually growing, and how fast?

1120Al Rajhi Banking and Investment

Revenue FY25$9.8B

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+12%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+12%–

Revenue, next 5Y, CAGR+7%6

EARNINGS FORECAST▾SCORE

EPS growth, FY26E-25%2

EPS growth, FY27E+9%6

EPS growth, FY28E+10%6

GROWTH ASSESSMENT

STRENGTHS

None flagged.

WATCH

Revenue is set to grow 12%/yr over the next 3 years, a little ahead of the market.6/10

Revenue grew 12%/yr over the last 3 years and is set to keep growing around 12%/yr.

Over five years revenue is set to grow 7%/yr, ahead of 50% of companies worldwide.6/10

Earnings are set to grow in step with sales (EPS about 9%/yr vs revenue 12%/yr). One year dips: EPS falls 25% next year.

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

BOTTOM LINE

Stalled Business

Growth is a weak point here. The one thing to watch: the earnings path has a down year.

03Price Momentum

Is the market behind it right now?

1120Al Rajhi Banking and Investment

Total return Current223%

Price return Current147%

MOMENTUM RATING↗

AVERAGE53 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-3%6

3-month return-2%6

YTD return+1%5

MID & LONG-TERM▾SCORE

% of 52-week high88%7

1-year return-8%4

3-year return+59%6

5-year return+31%5

MOMENTUM ASSESSMENT

STRENGTHS

None flagged.

WATCH

Average long-term results. Multi-year returns are middling (+59% over three years and +31% over five), roughly average for the market.

It's down 8% over the past year, now 12% below its 52-week high. That is a touch ahead of the market.

Returns sit at the market level over the past month (-3%), over three months (-2%) and so far this year (+1%).

WEAKNESSES

None flagged.

BOTTOM LINE

Mixed Momentum

Horizons disagree or sit near the middle of the pack. Momentum investors may want a clearer trend before sizing up.

04Value

Are you paying a fair price for it?

Stop guessing on Al Rajhi Bank. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

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Loading charts…

02Growth

Is it actually growing, and how fast?

1120Al Rajhi Banking and Investment

Revenue FY25$9.8B

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+12%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+12%–

Revenue, next 5Y, CAGR+7%6

EARNINGS FORECAST▾SCORE

EPS growth, FY26E-25%2

EPS growth, FY27E+9%6

EPS growth, FY28E+10%6

GROWTH ASSESSMENT

STRENGTHS

None flagged.

WATCH

Revenue is set to grow 12%/yr over the next 3 years, a little ahead of the market.6/10

Revenue grew 12%/yr over the last 3 years and is set to keep growing around 12%/yr.

Over five years revenue is set to grow 7%/yr, ahead of 50% of companies worldwide.6/10

Earnings are set to grow in step with sales (EPS about 9%/yr vs revenue 12%/yr). One year dips: EPS falls 25% next year.

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

BOTTOM LINE

Stalled Business

Growth is a weak point here. The one thing to watch: the earnings path has a down year.

03Price Momentum

Is the market behind it right now?

1120Al Rajhi Banking and Investment

Total return Current223%

Price return Current147%

MOMENTUM RATING↗

AVERAGE53 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-3%6

3-month return-2%6

YTD return+1%5

MID & LONG-TERM▾SCORE

% of 52-week high88%7

1-year return-8%4

3-year return+59%6

5-year return+31%5

MOMENTUM ASSESSMENT

STRENGTHS

None flagged.

WATCH

Average long-term results. Multi-year returns are middling (+59% over three years and +31% over five), roughly average for the market.

It's down 8% over the past year, now 12% below its 52-week high. That is a touch ahead of the market.

Returns sit at the market level over the past month (-3%), over three months (-2%) and so far this year (+1%).

WEAKNESSES

None flagged.

BOTTOM LINE

Mixed Momentum

Horizons disagree or sit near the middle of the pack. Momentum investors may want a clearer trend before sizing up.

04Value

Are you paying a fair price for it?

Stop guessing on Al Rajhi Bank. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community