Bank Nizwa SAOG (MSM:BKNZ)
Oman flag Oman · Delayed Price · Currency is OMR
0.1370
0.00 (0.00%)
At close: Aug 6, 2026

Bank Nizwa SAOG Financials Overview

Millions OMR. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal YearTTMFY 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 YearTTMFY 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 YearCurrentFY 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 YearTTMFY 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 YearTTMFY 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 YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingAug '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
1.97%2.59%2.63%2.56%4.49%4.09%

Valuation

Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingAug '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
22.8412.4212.1612.6214.8617.32
Forward PE
-14.2914.2914.2914.2912.00
PS Ratio
6.044.404.384.525.415.79