Riyad Bank

SAU:1010Financial ServicesTADAWUL:TBNItasi

SAR 19.30−0.57%At closeAt close · Mon 19 Oct · ≈ AED 18.90 · Market cap $20.59B · Next earnings Mon 19 Oct

Ratio	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025	Current · undated	YoY
Gross margin	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	—	—
Operating margin	49.5%	58.0%	58.7%	56.9%	69.4%	63.2%	63.2%	+0.0 pts
Net margin	42.5%	52.1%	52.7%	51.1%	54.0%	56.7%	63.2%	+6.5 pts
EBITDA margin	53.9%	62.3%	62.8%	61.3%	64.2%	67.3%	—	—
Return on equity	10.6%	12.7%	12.5%	13.4%	13.7%	13.8%	15.4%	+1.6 pts
Return on assets	1.5%	1.8%	2.0%	2.1%	2.1%	2.0%	2.2%	+0.2 pts
Return on capital employed	1.8%	2.1%	2.2%	2.3%	12.0%	8.2%	—	—
Debt / equity	0.1×	0.2×	0.2×	0.2×	0.2×	0.6×	0.6×	+0.0%
Debt / assets	2.0%	2.8%	2.6%	3.6%	3.0%	9.3%	—	—
Interest coverage	0.0×	0.0×	0.0×	0.0×	0.0×	0.8×	—	—
Current ratio	46.8×	40.5×	107.9×	49.3×	0.1×	0.1×	0.1×	+0.0%
Quick ratio	46.8×	40.5×	107.9×	49.3×	0.1×	0.1×	—	—
Cash ratio	46.1×	40.0×	106.3×	48.0×	0.1×	0.1×	0.1×	+0.0%
Asset turnover	0.0×	0.0×	0.0×	0.0×	0.0×	0.0×	—	—
Receivables turnover	26.0×	24.3×	16.3×	14.0×	8.4×	—	—	—
Dividend payout	35.1%	49.6%	44.3%	48.2%	49.6%	50.2%	—	—

Margins, returns, leverage and liquidityUpdated 31 Dec 2025 ·

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Current snapshot ratios have no reporting date and are shown separately from fiscal periods.