Riyad Bank (1010.SR) stock analysis

In our weekly check, Riyad Bank is graded C (A to F). Of 25 checks on debt, profit, cash flow and trend: 15 pass, warnings: 1, red flags: 9.

About Riyad Bank

Riyad Bank is a Financial Services company (Banks - Regional), listed on SAU as 1010.SR.

What our checks show for 1010.SR

Red flags

• Operating cash flow is negative while the company reports a profit: the profit does not arrive as cash.
• Analysts expect the net margin to shrink by 19.4 points from today's 56.7%.
• Free cash flow is negative (-141% of revenue): the business spends more cash than it brings in.
• The dividend takes 188% of profit: little cushion if profit falls.
• The stock has fallen as much as 78% from a peak. Would you have held through that?
• Recovering from its deepest fall took about 5.3 years.
• Return on capital (ROCE) is only 2.3%.
• Pay in shares equals 0% of free cash flow: it dilutes shareholders.

Strengths

• The net margin rose by 4.7 points over 5 years, to 56.7%.
• Net profit grew 14% a year over the last 3 years.
• The company keeps 56.7% of its revenue as net profit.
• The price is 6.7 times earnings (P/E), reasonable for its growth.
• A large company: market value $20.38 billion.
• The price moves calmly: 18.3% annual volatility.

Similar companies

1023.KL · EBP.WA · LYG · CABK.MC · NU · U11.SI

Questions

What grade does Riyad Bank (1010.SR) have?

In our weekly check, Riyad Bank is graded C (A to F). Of 25 checks on debt, profit, cash flow and trend: 15 pass, warnings: 1, red flags: 9. The grade is a risk check, not a buy or sell recommendation.

What are the main risks of 1010.SR stock?

This week's biggest flags for Riyad Bank: Profits not backed by cash, Margins expected to shrink, Weak free cash flow. In total 10 of 25 checks show a warning or a red flag.

What does Riyad Bank do?

Riyad Bank is a Financial Services company (Banks - Regional), listed on SAU as 1010.SR.

The grade is a risk check, not a price forecast, and not investment advice. In our 10-year test (S&P 500, 2016-2026), stocks we graded A or B fell more than 30% 2-3 times less often than D or F, without a lower average return.

Updated 2026-10-24

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