Financials Al Rajhi Banking and Investment Corporation

Equities

Market Closed - Saudi Arabian S.E. Other stock markets 05:50:00 07/07/2025 pm IST			5-day change	1st Jan Change
96.20 ^SAR	0.00%		+1.69%	+1.69%

07/07	HSBC Trims Al Rajhi Bank PT, Keeps Hold Rating	MT
07/07	MIDEAST STOCKS-Major Gulf markets gain on US trade deals progress	RE

Fiscal Period: December	2020	2021	2022	2023	2024	2025	2026	2027
Net sales ¹	20,721	25,716	28,575	27,531	32,055	37,633	42,341	47,191
Change	-	24.11%	11.12%	-3.65%	16.43%	17.4%	12.51%	11.45%
EBITDA	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-
EBIT ¹	13,979	18,790	21,124	20,033	24,085	28,922	33,153	37,966
Change	-	34.41%	12.42%	-5.16%	20.23%	20.08%	14.63%	14.52%
Interest Paid	-	-	-	-	-	-	-	-
Earnings before Tax (EBT) ¹	11,814	16,445	19,123	18,529	21,968	26,325	29,767	33,686
Change	-	39.2%	16.28%	-3.11%	18.56%	19.83%	13.08%	13.16%
Net income ¹	10,596	14,746	17,151	16,621	19,722	22,844	26,135	29,574
Change	-	39.17%	16.31%	-3.09%	18.66%	15.83%	14.41%	13.16%
Announcement Date	03/02/21	13/02/22	30/01/23	01/02/24	29/01/25	-	-	-

¹SAR in Million

Estimates

Fiscal Period: December	2020 Q2	2020 Q3	2020 Q4	2021 Q1	2021 Q2	2021 Q3	2021 Q4	2022 Q1	2022 Q2	2022 Q3	2022 Q4	2023 Q1	2023 Q2	2023 Q3	2023 Q4	2024 Q1	2024 Q2	2024 Q3	2024 Q4	2025 Q1	2025 Q2	2025 Q3	2025 Q4
Net sales ¹	4,808	5,152	5,793	5,948	6,336	6,578	6,855	6,957	7,148	7,206	7,264	6,781	6,827	6,873	7,051	7,229	7,637	8,439	8,750	9,200	9,207	9,357	9,787
Change	-	7.16%	12.44%	2.67%	6.53%	3.81%	4.21%	1.49%	2.75%	0.82%	0.8%	-6.65%	0.68%	0.67%	2.59%	2.52%	5.64%	10.5%	3.69%	5.14%	0.08%	1.62%	4.59%
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBIT ¹	3,174	3,428	4,030	4,296	4,606	4,824	5,064	5,188	5,328	5,345	5,263	4,980	4,988	5,012	5,053	5,335	5,681	6,369	6,700	7,112	7,295	-	-
Change	-	8.01%	17.56%	6.59%	7.23%	4.72%	4.98%	2.44%	2.7%	0.33%	-1.54%	-5.38%	0.15%	0.49%	0.82%	5.58%	6.49%	12.11%	5.2%	6.15%	2.57%	-	-
Charge d'intérêts	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Earnings before Tax (EBT) ¹	-	-	-	3,719	4,022	4,230	4,474	-	4,747	4,855	4,911	4,622	4,627	4,633	-	4,914	5,226	5,681	6,147	6,587	6,662	6,601	6,691
Change	-	-	-	-	8.15%	5.17%	5.78%	-	-	2.28%	1.14%	-5.88%	0.11%	0.13%	-	-	6.35%	8.71%	8.2%	7.16%	1.13%	-0.91%	1.35%
Net income ¹	2,436	2,658	3,122	3,335	3,605	3,794	4,012	4,134	4,258	4,355	4,405	4,145	4,150	4,155	4,171	4,405	4,698	5,103	5,516	5,906	5,877	5,653	5,733
Change	-	9.11%	17.46%	6.84%	8.08%	5.24%	5.76%	3.02%	3.02%	2.26%	1.15%	-5.89%	0.12%	0.12%	0.39%	5.61%	6.65%	8.62%	8.09%	7.07%	-0.5%	-3.81%	1.42%
Announcement Date	23/07/20	29/10/20	03/02/21	28/04/21	01/08/21	28/10/21	13/02/22	10/05/22	04/08/22	27/10/22	30/01/23	28/04/23	24/07/23	26/10/23	01/02/24	29/04/24	04/08/24	27/10/24	29/01/25	22/04/25	-	-	-

¹SAR in Million

Estimates

¹SAR in Million

Estimates

Fiscal Period: December	2020	2021	2022	2023	2024	2025	2026	2027
Net Debt	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-
Announcement Date	03/02/21	13/02/22	30/01/23	01/02/24	29/01/25	-	-	-

Estimates

Fiscal Period: December	2019	2020	2021	2022	2023	2024
CAPEX ¹	1,527	897.4	2,277	2,201	3,147	2,984
Change	-	-41.24%	153.71%	-3.31%	42.98%	-5.19%
Free Cash Flow (FCF) ¹	-	-	-	-	-	-
Change	-	-	-	-	-	-
Announcement Date	19/02/20	11/02/21	20/02/22	07/02/23	08/02/24	06/02/25

¹SAR in Million

Estimates

Fiscal Period: December	2019	2020	2021	2022	2023	2024	2025	2026	2027
Profitability
EBITDA Margin (%)	-	-	-	-	-	-	-	-	-
EBIT Margin (%)	-	67.46%	73.07%	73.92%	72.77%	75.14%	76.85%	78.3%	80.45%
EBT Margin (%)	-	57.01%	63.95%	66.92%	67.3%	68.53%	69.95%	70.3%	71.38%
Net margin (%)	-	51.14%	57.34%	60.02%	60.37%	61.53%	60.7%	61.72%	62.67%
FCF margin (%)	-	-	-	-	-	-	-	-	-
FCF / Net Income (%)	-	-	-	-	-	-	-	-	-
Profitability
ROA	-	2.48%	2.7%	2.46%	2.12%	2.21%	2.24%	2.31%	2.39%
ROE	-	19.39%	23.51%	22.68%	19.35%	17.17%	21.36%	21.78%	22.16%
Financial Health
Leverage (Debt/EBITDA)	-	-	-	-	-	-	-	-	-
Debt / Free cash flow	-	-	-	-	-	-	-	-	-
Capital Intensity
CAPEX / Current Assets (%)	-	-	-	-	-	-	-	-	-
CAPEX / EBITDA (%)	-	-	-	-	-	-	-	-	-
CAPEX / FCF (%)	-	-	-	-	-	-	-	-	-
Items per share
Cash flow per share ¹	-	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-	-
Dividend per Share ¹	-	0.625	0.625	1.25	1.15	2.71	3.146	3.546	4.054
Change	-	-	0%	100%	-8%	135.65%	16.1%	12.7%	14.32%
Book Value Per Share ¹	-	14.53	16.83	25.06	26.69	24.87	27.66	30.68	34.91
Change	-	-	15.82%	48.9%	6.52%	-6.82%	11.24%	10.91%	13.79%
EPS ¹	-	2.65	3.688	4.24	3.95	4.67	5.644	6.358	7.162
Change	-	-	39.15%	14.98%	-6.84%	18.23%	20.85%	12.66%	12.64%
Nbr of stocks (in thousands)	-	40,00,000	40,00,000	40,00,000	40,00,000	40,00,000	40,00,000	40,00,000	40,00,000
Announcement Date	-	03/02/21	13/02/22	30/01/23	01/02/24	29/01/25	-	-	-