Bank AlJazira (1020.SR) stock analysis
In our weekly check, Bank AlJazira is graded B (A to F). Of 25 checks on debt, profit, cash flow and trend: 17 pass, warnings: 2, red flags: 6.
About Bank AlJazira
Bank AlJazira is a Financial Services company (Banks - Regional), listed on SAU as 1020.SR.
What our checks show for 1020.SR
Red flags
- The net margin fell by 14 points over 5 years, to 14.4%: the company keeps less of each sale as profit.
- The gross margin fell by 57 points, to 43%: costs are rising faster than prices.
- Analysts expect revenue to shrink about 16.5% a year.
- The stock has fallen as much as 89% from a peak. Would you have held through that?
Warning signs
- The stock is still below its previous peak.
- Return on capital (ROCE) is only 7%.
Strengths
- Operating cash flow is 1.54x net profit: the profit arrives as real cash.
- Analysts expect earnings per share to grow about 19.3% a year over the next years.
- Analysts expect the net margin to improve by 21.1 points from today's 14.4%.
- Revenue grew 45.2% a year over the last 3 years.
- Net profit grew 10.7% a year over the last 3 years.
- Free cash flow is 18.9% of revenue: cash for dividends, buybacks or growth.
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Questions
What grade does Bank AlJazira (1020.SR) have?
In our weekly check, Bank AlJazira is graded B (A to F). Of 25 checks on debt, profit, cash flow and trend: 17 pass, warnings: 2, red flags: 6. The grade is a risk check, not a buy or sell recommendation.
What are the main risks of 1020.SR stock?
This week's biggest flags for Bank AlJazira: Margins falling, Gross margin falling, Weak revenue forecast. In total 8 of 25 checks show a warning or a red flag.
What does Bank AlJazira do?
Bank AlJazira is a Financial Services company (Banks - Regional), listed on SAU as 1020.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 2026-10-31
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