The Saudi Investment Bank (1030.SR) stock analysis
In our weekly check, The Saudi Investment Bank is graded C (A to F). Of 25 checks on debt, profit, cash flow and trend: 14 pass, warnings: 2, red flags: 9.
About The Saudi Investment Bank
The Saudi Investment Bank is a Financial Services company (Banks - Regional), listed on SAU as 1030.SR.
What our checks show for 1030.SR
Red flags
- The gross margin fell by 32.2 points, to 46.6%: costs are rising faster than prices.
- Operating cash flow is negative while the company reports a profit: the profit does not arrive as cash.
- Analysts expect revenue to shrink about 24.2% a year.
- Free cash flow is negative (-42% of revenue): the business spends more cash than it brings in.
- The stock has fallen as much as 80% from a peak. Would you have held through that?
- Return on capital (ROCE) is only 1.8%.
- Pay in shares equals 0% of free cash flow: it dilutes shareholders.
Warning signs
- The net margin fell by 5 points over 5 years, to 26.2%: the company keeps less of each sale as profit.
- The stock is still below its previous peak.
Strengths
- Analysts expect the net margin to improve by 14.8 points from today's 26.2%.
- Revenue grew 25.6% a year over the last 3 years.
- Earnings per share grew 14.3% a year over the last 3 years.
- Net profit grew 17.6% a year over the last 3 years.
- The company keeps 26.2% of its revenue as net profit.
- The dividend takes 36% of profit: there is a cushion.
Next earnings report: 2027-02-02
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Questions
What grade does The Saudi Investment Bank (1030.SR) have?
In our weekly check, The Saudi Investment Bank is graded C (A to F). Of 25 checks on debt, profit, cash flow and trend: 14 pass, warnings: 2, red flags: 9. The grade is a risk check, not a buy or sell recommendation.
What are the main risks of 1030.SR stock?
This week's biggest flags for The Saudi Investment Bank: Gross margin falling, Profits not backed by cash, Weak revenue forecast. In total 11 of 25 checks show a warning or a red flag.
What does The Saudi Investment Bank do?
The Saudi Investment Bank is a Financial Services company (Banks - Regional), listed on SAU as 1030.SR.
When does The Saudi Investment Bank report earnings next?
The next earnings report is expected on 2027-02-02. We re-run the checks every week, so the grade can change after it.
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 2026-11-07
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