Bank Albilad

SAU:1140Financial ServicesTADAWUL:TBNItasi

SAR 22.04−0.05%At closeAt close · Mon 19 Oct · ≈ AED 21.58 · Market cap $8.78B · Next earnings Wed 21 Oct

Ratio	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025	Current · undated	YoY
Gross margin	100.0%	100.0%	100.0%	100.0%	100.0%	58.9%	—	—
Operating margin	35.2%	41.0%	44.9%	49.8%	55.3%	30.4%	30.4%	+0.0 pts
Net margin	31.6%	36.8%	40.2%	44.7%	49.6%	27.3%	27.3%	+0.0 pts
EBITDA margin	41.3%	47.0%	50.5%	55.4%	60.2%	33.2%	—	—
Return on equity	12.6%	14.1%	15.5%	15.5%	16.8%	16.1%	16.1%	+0.0 pts
Return on assets	1.4%	1.5%	1.6%	1.7%	1.8%	1.8%	1.8%	+0.0 pts
Return on capital employed	9.0%	10.0%	12.1%	12.5%	13.8%	2.0%	—	—
Debt / equity	0.2×	0.3×	0.3×	0.2×	0.2×	0.7×	0.7×	+0.0%
Debt / assets	2.6%	3.2%	2.7%	2.4%	2.2%	7.5%	—	—
Interest coverage	0.0×	6.9×	2.1×	0.8×	0.0×	0.8×	—	—
Current ratio	0.1×	0.1×	0.1×	0.1×	0.1×	1.5×	1.5×	+0.0%
Quick ratio	0.1×	0.1×	0.1×	0.1×	0.1×	1.5×	—	—
Cash ratio	0.1×	0.1×	0.1×	0.1×	0.1×	1.5×	1.5×	+0.0%
Asset turnover	0.0×	0.0×	0.0×	0.0×	0.0×	0.1×	—	—
Receivables turnover	34.5×	31.2×	27.1×	—	—	—	—	—
Dividend payout	27.8%	0.0%	0.0%	21.1%	40.1%	22.1%	—	—

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.