Bank Albilad Ratios and Metrics

Market cap in millions SAR. Fiscal year is January - December.

Millions SAR. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Feb '26 Feb 24, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Market Capitalization	38,850	37,230	48,812	45,450	44,450	34,762
Market Cap Growth	-18.21%	-23.73%	7.40%	2.25%	27.87%	63.49%
Last Close Price	25.90	24.82	31.99	29.06	28.09	21.96
PE Ratio	13.03	12.56	17.39	19.19	21.35	20.61
PS Ratio	6.46	6.19	8.81	9.13	9.58	8.66
PB Ratio	1.82	1.74	2.92	2.98	3.32	2.90
Debt / Equity Ratio	0.17	0.17	0.21	0.23	0.27	0.29
Net Debt / Equity Ratio	-0.23	-0.23	-0.38	-0.29	-0.47	-0.05
Net Debt / FCF Ratio	0.71	0.71	3.81	0.27	1.22	0.09
Return on Equity (ROE)	16.03%	16.03%	17.57%	16.53%	16.41%	14.85%
Return on Assets (ROA)	1.86%	1.86%	1.88%	1.74%	1.73%	1.63%
Earnings Yield	7.63%	8.19%	5.75%	5.21%	4.68%	4.85%
FCF Yield	-18.06%	-18.84%	-3.45%	-37.43%	-11.73%	-20.47%
Dividend Yield	4.25%	4.03%	1.56%	1.15%	1.19%	-
Payout Ratio	22.14%	22.14%	40.09%	21.11%	-	-
Buyback Yield / Dilution	-	-	-0.04%	0.14%	0.10%	-0.13%
Total Shareholder Return	4.22%	4.03%	1.52%	1.29%	1.29%	-0.13%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.