1030.SR
Full HouseThe Saudi Investment Bank · Financial Services · Saudi Arabia · $4.6B cap · $2.0M/day traded
SAR 11.54 +0.8% · close 5 Nov · scored 7 Nov
Full House: Strong business, sensible price, and the market agrees.
As of 7 Nov 2026, the MoatMap Score for The Saudi Investment Bank (1030.SR) is 87/100, ranked against 25,000+ stocks in 38 markets (Quality 58, Value 65, Momentum 64, each scored against its sector).
Does the score work? Each tenth of the ranking, tracked monthly. See the record →
ABOUT THE SAUDI INVESTMENT BANK
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The Saudi Investment Bank provides commercial and retail banking services to individuals, small to medium-sized businesses, and corporate and institutional customers in the Kingdom of Saudi Arabia.
FINANCIAL SUMMARY (SAR)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 3.3B | 4.0B | 4.2B | 4.8B | 13.4% | 4.6B | 4.5B | 4.7B | -0.8% |
| EPS (SAR) | 1.10 | 1.28 | 1.43 | 1.68 | 15.3% | 1.46 | 1.45 | 1.53 | -4.6% |
| Shares | 1.3B | 1.3B | 1.2B | 1.2B | -0.2% | 1.5B | — | — | — |
| Debt | 202.6M | 209.9M | 153.3M | 3.0B | 144.5% | — | — | — | — |
| Equity | 16.8B | 17.2B | 21.1B | 22.4B | 10.1% | — | — | — | — |
| Op CF | -3.0B | 9.7B | 4.5B | 1.4B | -62.2% | -13.8B | — | — | — |
| Inv CF | -1.6B | -3.9B | -8.3B | -6.4B | — | — | — | — | — |
| Fin CF | 717.4M | -1.5B | 1.5B | 1.4B | — | — | — | — | — |
Above its 200-day average and 8% below its 52-week high.
Calmer than 94% of stocks we rank over the past year (volatility 18% a year).
How this is worked out
The MoatMap Score weighs the business, its price and its trend. The price check reads only the chart: the price side of the Momentum score, in words.
The rules: Still falling is a new 52-week low in the last two weeks, at least 25% below the high. Finding a floor is no new low since. Turning up is 20 or more trading days without a new low, at least 10% off it, and back above a rising 50-day average. In an uptrend is above the 200-day average and within 15% of the high.
In 2,112 US drawdowns since 2001, buying while the price was still falling was followed by a further 20% drop 42% of the time. Waiting for a turn (the Turning up rule above) cut that to 33%, at about 7% higher prices and with no better returns. Part of that cut is simply not buying: 13% of falls never turned, and waiting kept those out. Among turns that were bought, 38% still fell another 20%, and 33% of turns were followed by a new low within six months. The benefit was largest in crashes such as 2008 and 2020.
What it measures: how much the price moved day to day over the past year, scaled to a yearly figure (annualised volatility) and ranked against every stock we cover. Very calm under 20% a year, Calm 20 to 30%, Average 30 to 40%, Bumpy 40 to 55%, Very bumpy above that.
What we found: across about 13,500 stocks in 34 markets (2002 to 2025), past swings were a good guide to the next year's, and bumpier stocks fell further. How much further changed too much between eras to put a number on it.
Calm is not safe: a calm stock can still slide steadily.
Rules fixed before any data was fetched. Describes the chart, not a recommendation.
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of 1030.SR are excluded.
| Ticker | Company | Mkt Cap | Score |
|---|---|---|---|
| 1030.SR | The Saudi Investment Bank(you) | $4.6B | 87 |
| 1020.SR | aljazira bank | $3.7B | 66 |
| 1080.SR | Arab National Bank | $11.1B | 78 |
| 1050.SR | Banque Saudi Fransi | $13.3B | 78 |
| 1010.SR | Riyad Bank | $21.5B | 76 |
| 1060.SR | Saudi Awwal Bank | $17.6B | 71 |
| 1140.SR | Bank Albilad | $8.4B | 54 |
| 1150.SR | Alinma Bank | $17.3B | 51 |
| 1180.SR | The Saudi National Bank | $60.2B | 71 |
| 1120.SR | Al Rajhi Banking and Investment Corporation | $99.1B | 51 |
Peer medians: ROE 7.5% · P/E 13.7x · Gross margin 12.8%
Company Deep Dive
A 10,000-word report: the business and its segments, what management promised on earnings calls and whether it delivered, the competition, and how things could turn out.