Financials The Saudi National Bank

Equities

Market Closed - Saudi Arabian S.E. Other stock markets 05:50:00 11/03/2026 pm IST			5-day change	1st Jan Change
40.40 ^SAR	-0.79%		-0.83%	+6.65%

10/03	Ayyan Investment signs Islamic facility agreement with SNB	RE
10/03	Ayyan Investment Obtains SAR300 Million Sharia-compliant Credit Facilities	MT

Fiscal Period: December	2021	2022	2023	2024	2025	2026	2027	2028
Net sales ¹	28,462	33,003	34,589	36,038	39,195	41,721	45,211	48,915
Change	-	15.95%	4.8%	4.19%	8.76%	6.45%	8.36%	8.19%
EBITDA	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-
EBIT ¹	18,599	23,220	24,232	25,001	29,322	31,148	34,087	37,171
Change	-	24.85%	4.36%	3.17%	17.28%	6.23%	9.43%	9.05%
Interest Paid	-	-	-	-	-	-	-	-
Earnings before Tax (EBT) ¹	14,438	21,277	22,773	23,615	27,897	29,143	31,679	34,193
Change	-	47.37%	7.03%	3.7%	18.13%	4.47%	8.7%	7.94%
Net income ¹	12,670	18,580	20,010	21,193	25,013	25,636	27,664	29,801
Change	-	46.65%	7.7%	5.91%	18.02%	2.49%	7.91%	7.72%
Announcement Date	02/02/22	01/02/23	05/02/24	29/01/25	27/01/26	-	-	-

¹SAR in Million

Estimates

Fiscal Period: December	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	2026 Q1	2026 Q2	2026 Q3	2026 Q4
Net sales ¹	5,773	7,501	7,800	7,389	8,065	8,373	8,448	8,118	8,731	8,497	8,737	8,625	8,939	8,916	9,195	8,988	9,615	9,507	10,145	9,928	9,989	10,149	10,326	10,742
Change	-	29.94%	3.98%	-5.27%	9.15%	3.83%	0.89%	-3.91%	7.56%	-2.68%	2.83%	-1.28%	3.64%	-0.26%	3.13%	-2.25%	6.98%	-1.12%	6.71%	-2.14%	0.61%	1.6%	1.74%	4.03%
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBIT	4,151	4,822	5,049	4,577	5,640	5,808	6,017	5,755	6,290	5,888	5,975	6,079	6,274	6,166	6,325	6,235	6,888	6,742	7,654	8,038	-	-	-	-
Change	-	16.16%	4.7%	-9.34%	23.22%	2.98%	3.6%	-4.35%	9.3%	-6.4%	1.48%	1.74%	3.2%	-1.72%	2.58%	-1.42%	10.47%	-2.12%	13.53%	5.02%	-	-	-	-
Charge d'intérêts	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Earnings before Tax (EBT)	-	2,414	4,310	3,897	-	5,307	5,407	5,405	5,794	5,795	5,673	-	5,696	5,729	6,011	6,178	-	6,865	-	-	-	-	-	-
Change	-	-	78.53%	-9.58%	-	-	1.88%	-0.03%	7.19%	0.02%	-2.11%	-	-	0.58%	4.92%	2.78%	-	-	-	-	-	-	-	-
Net income ¹	3,408	2,117	3,785	3,350	4,502	4,589	4,725	4,770	5,022	5,016	5,010	4,963	5,040	5,231	5,366	5,557	-	6,137	6,469	6,385	6,298	6,478	6,617	6,739
Change	-	-37.89%	78.81%	-11.5%	34.39%	1.94%	2.95%	0.96%	5.28%	-0.13%	-0.11%	-0.94%	1.55%	3.79%	2.58%	3.56%	-	-	5.41%	-1.3%	-1.36%	2.85%	2.14%	1.84%
Announcement Date	03/05/21	05/08/21	24/10/21	02/02/22	27/04/22	01/08/22	30/10/22	01/02/23	01/05/23	02/08/23	24/10/23	05/02/24	29/04/24	04/08/24	22/10/24	29/01/25	22/04/25	21/07/25	20/10/25	27/01/26	-	-	-	-

¹SAR in Million

Estimates

¹SAR in Million

Estimates

Fiscal Period: December	2021	2022	2023	2024	2025	2026	2027	2028
Net Debt	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-
Announcement Date	02/02/22	01/02/23	05/02/24	29/01/25	27/01/26	-	-	-

Estimates

Fiscal Period: December	2020	2021	2022	2023	2024	2025
CAPEX ¹	1,069	1,743	2,051	1,787	1,776	2,067
Change	-	63.03%	17.66%	-12.87%	-0.63%	16.41%
Free Cash Flow (FCF) ¹	-	-	-	-	-	-
Change	-	-	-	-	-	-
Announcement Date	16/02/21	10/02/22	06/02/23	13/02/24	06/02/25	04/02/26

¹SAR in Million

Estimates

Fiscal Period: December	2020	2021	2022	2023	2024	2025	2026	2027	2028
Profitability
EBITDA Margin (%)	-	-	-	-	-	-	-	-	-
EBIT Margin (%)	-	65.34%	70.36%	70.06%	69.37%	74.81%	74.66%	75.4%	75.99%
EBT Margin (%)	-	50.73%	64.47%	65.84%	65.53%	71.17%	69.85%	70.07%	69.9%
Net margin (%)	-	44.51%	56.3%	57.85%	58.81%	63.82%	61.45%	61.19%	60.92%
FCF margin (%)	-	-	-	-	-	-	-	-	-
FCF / Net Income (%)	-	-	-	-	-	-	-	-	-
Profitability
ROA	-	1.04%	2%	2.02%	1.98%	-	2.01%	2.01%	2.03%
ROE	-	10.49%	11.62%	11.71%	11.5%	-	13.14%	13.38%	13.58%
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	-	1.162	1.275	1.75	1.9	-	2.336	2.551	2.776
Change	-	-	9.68%	37.25%	8.57%	-	-	9.19%	8.83%
Book Value Per Share ¹	-	27.42	28.05	29.57	32.39	-	33.37	35.14	37.44
Change	-	-	2.27%	5.44%	9.53%	-	-	5.31%	6.54%
EPS ¹	-	2.235	3.038	3.23	3.43	4.04	4.232	4.594	5
Change	-	-	35.91%	6.34%	6.19%	17.78%	4.75%	8.56%	8.83%
Nbr of stocks (in thousands)	-	59,14,352	59,17,669	59,44,035	59,45,000	59,36,000	59,31,000	59,31,000	59,31,000
Announcement Date	-	02/02/22	01/02/23	05/02/24	29/01/25	27/01/26	-	-	-