Bank Nizwa SAOG (MSM:BKNZ)
Oman flag Oman · Delayed Price · Currency is OMR
0.1450
+0.0010 (0.69%)
At close: Oct 29, 2026

Bank Nizwa SAOG Financials Overview

Millions OMR. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
50.7553.9149.5247.5441.3237.45
Revenue Growth
-0.90%8.86%4.17%15.06%10.34%15.03%
Net Income
15.4519.0917.8417.0215.0612.53
Earnings Per Share
0.010.010.010.010.010.01
EPS Growth
-28.64%0.30%4.82%13.06%-3.86%0%

Revenue by Segment

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Others
5.394.125.335.40.852.52
Treasury & Investment
8.588.287.316.358.633.92
Retail Banking
23.9923.721.7119.3918.3917.11
Corporate Banking
17.6918.0215.3516.271413.66
Total
55.6454.1249.7147.4141.8737.22

Cash & Debt

Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
58.34124.45100.975.2892.83116.53
Total Debt
139.4561.8312.561.341.531.37
Net Cash (Debt)
-81.1162.6288.3473.9491.29115.16
Net Cash Growth
--29.11%19.48%-19.01%-20.72%43.16%
Net Cash Per Share
-0.030.030.040.030.040.07

Cash Flow & CapEx

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
-58.96-58.84-89.92-89.82-69.94-75.72
Capital Expenditures
-2.18-2.31-0.91-3.1-4-3.02
Free Cash Flow
-61.13-61.16-90.83-92.93-73.93-78.74
Free Cash Flow Growth
------

Margins

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Profit Margin
30.45%35.42%36.03%35.80%36.44%33.45%
FCF Margin
-120.46%-113.44%-183.41%-195.46%-178.93%-210.25%

Dividends

Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingOct '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Dividend Per Share
0.0030.0030.0020.0020.0040.003
Dividend Per Share Growth
10.20%10.20%6.52%-43.04%17.38%175.20%
Dividend Yield
1.86%2.55%2.53%2.40%4.04%3.55%

Valuation

Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingOct '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
41.6712.4212.1612.6214.8617.32
Forward PE
-14.2914.2914.2914.2912.00
PS Ratio
6.844.404.384.525.415.79