Alinma Bank (1150.SR) stock analysis

In our weekly check, Alinma Bank is graded C (A to F). Of 25 checks on debt, profit, cash flow and trend: 14 pass, warnings: 3, red flags: 8.

About Alinma Bank

Alinma Bank is a Financial Services company (Banks - Regional), listed on SAU as 1150.SR.

What our checks show for 1150.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 13.9 points from today's 54%.
• Free cash flow is negative (-29.8% of revenue): the business spends more cash than it brings in.
• The dividend takes 175% of profit: little cushion if profit falls.
• Return on capital (ROCE) is only 3.6%.
• Pay in shares equals 0% of free cash flow: it dilutes shareholders.

Warning signs

• Analysts expect earnings per share to shrink about 1.9% a year.
• The stock has fallen as much as 58% from a peak. Would you have held through that?
• Recovering from its deepest fall took about 2.5 years.

Strengths

• The net margin rose by 13.3 points over 5 years, to 54%.
• Earnings per share grew 21% a year over the last 3 years.
• Net profit grew 21.1% a year over the last 3 years.
• The company keeps 54% of its revenue as net profit.
• The price is 9.3 times earnings (P/E), reasonable for its growth.
• A large company: market value $17.16 billion.

Next earnings report: 2026-10-27

Similar companies

1060.SR · PEO.WA · U11.SI · MZTF.TA · MBK.WA · TFC

Questions

What grade does Alinma Bank (1150.SR) have?

In our weekly check, Alinma Bank is graded C (A to F). Of 25 checks on debt, profit, cash flow and trend: 14 pass, warnings: 3, red flags: 8. The grade is a risk check, not a buy or sell recommendation.

What are the main risks of 1150.SR stock?

This week's biggest flags for Alinma Bank: Profits not backed by cash, Margins expected to shrink, Weak free cash flow. In total 11 of 25 checks show a warning or a red flag.

What does Alinma Bank do?

Alinma Bank is a Financial Services company (Banks - Regional), listed on SAU as 1150.SR.

When does Alinma Bank report earnings next?

The next earnings report is expected on 2026-10-27. 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 2026-10-24

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