The Saudi National Bank (1180.SR) stock analysis
In our weekly check, The Saudi National Bank is graded B (A to F). Of 24 checks on debt, profit, cash flow and trend: 17 pass, warnings: 4, red flags: 3.
About The Saudi National Bank
The Saudi National Bank is a Financial Services company (Banks - Regional), listed on SAU as 1180.SR.
What our checks show for 1180.SR
Red flags
- Operating cash flow is only 0.31x net profit: part of the reported profit does not arrive as cash.
- The dividend takes 180% of profit: little cushion if profit falls.
- Return on capital (ROCE) is only 2.6%.
Warning signs
- Analysts expect only about 0.8% a year of growth in revenue.
- The stock has fallen as much as 55% from a peak. Would you have held through that?
- Recovering from its deepest fall took about 1.7 years.
Strengths
- The net margin rose by 11.3 points over 5 years, to 54.4%.
- Analysts expect the net margin to improve by 5.9 points from today's 54.4%.
- Net profit grew 10.5% a year over the last 3 years.
- The company keeps 54.4% of its revenue as net profit.
- Free cash flow is 12.4% of revenue: cash for dividends, buybacks or growth.
- A large company: market value $54.76 billion.
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Questions
What grade does The Saudi National Bank (1180.SR) have?
In our weekly check, The Saudi National Bank is graded B (A to F). Of 24 checks on debt, profit, cash flow and trend: 17 pass, warnings: 4, red flags: 3. The grade is a risk check, not a buy or sell recommendation.
What are the main risks of 1180.SR stock?
This week's biggest flags for The Saudi National Bank: Profits not backed by cash, Dividend stretched, Low return on capital. In total 7 of 24 checks show a warning or a red flag.
What does The Saudi National Bank do?
The Saudi National Bank is a Financial Services company (Banks - Regional), listed on SAU as 1180.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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