Bank Albilad (1140.SR) stock analysis

In our weekly check, Bank Albilad 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 Albilad

Bank Albilad is a Financial Services company (Banks - Regional), listed on SAU as 1140.SR.

What our checks show for 1140.SR

Red flags

• The net margin fell by 9.4 points over 5 years, to 27.3%: the company keeps less of each sale as profit.
• The gross margin fell by 41.1 points, to 58.9%: costs are rising faster than prices.
• Analysts expect revenue to shrink about 11.2% a year.
• The stock has fallen as much as 79% from a peak. Would you have held through that?
• Recovering from its deepest fall took about 9.7 years.

Warning signs

• The dividend takes 83% of profit: little cushion if profit falls.
• The share count grew by 19.9% in 2 years: each shareholder owns a smaller slice.

Strengths

• Operating cash flow is 1.48x net profit: the profit arrives as real cash.
• Analysts expect the net margin to improve by 16.2 points from today's 27.3%.
• Revenue grew 29.2% a year over the last 3 years.
• Earnings per share grew 13.8% a year over the last 3 years.
• Net profit grew 13.6% a year over the last 3 years.
• The company keeps 27.3% of its revenue as net profit.

Similar companies

MTB · BMPS.MI · HBANL · BBD · SBNOR.OL · MIL.WA

Questions

What grade does Bank Albilad (1140.SR) have?

In our weekly check, Bank Albilad 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 1140.SR stock?

This week's biggest flags for Bank Albilad: Margins falling, Gross margin falling, Weak revenue forecast. In total 8 of 25 checks show a warning or a red flag.

What does Bank Albilad do?

Bank Albilad is a Financial Services company (Banks - Regional), listed on SAU as 1140.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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