1120.SR
Fallen FavouriteAl Rajhi Banking and Investment Corporation · Financial Services · Saudi Arabia · $99.1B cap · $101.0M/day traded
SAR 62.00 +0.8% · close 5 Nov · scored 7 Nov
Fallen Favourite: A good business, still expensive, and its momentum is weak.
As of 7 Nov 2026, the MoatMap Score for Al Rajhi Banking and Investment Corporation (1120.SR) is 51/100, ranked against 25,000+ stocks in 38 markets (Quality 67, Value 29, Momentum 49, each scored against its sector).
Does the score work? Each tenth of the ranking, tracked monthly. See the record →
ABOUT AL RAJHI BANKING AND INVESTMENT CORPORATION
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Al Rajhi Banking and Investment Corporation, together with its subsidiaries, provides banking and investment services in the Kingdom of Saudi Arabia and internationally. The company operates through four segments: Retail; Corporate; Treasury; and Investment Services, Brokerage, and Other.
FINANCIAL SUMMARY (SAR)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 28.6B | 27.4B | 31.9B | 39.0B | 10.9% | 41.2B | 43.5B | 47.2B | 10.1% |
| EPS (SAR) | 2.83 | 2.63 | 3.11 | 3.90 | 11.3% | 4.42 | 4.38 | 4.77 | 10.6% |
| Shares | 6.0B | 6.0B | 6.0B | 6.0B | 0.0% | 6.0B | — | — | — |
| Debt | 723.1M | 4.4B | 37.9B | 80.3B | 380.7% | 68.7B | — | — | — |
| Equity | 100.2B | 106.8B | 123.0B | 142.8B | 12.5% | — | — | — | — |
| Op CF | 7.4B | 27.4B | 33.7B | -22.4B | 113.6% | 3.3B | — | — | — |
| Inv CF | -21.5B | -34.3B | -41.7B | -1.6B | — | — | — | — | — |
| Fin CF | 16.0B | -6.9B | 19.8B | 36.3B | — | — | — | — | — |
No clear trend: not near its 52-week low, and not in a steady uptrend.
Calmer than 93% 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 1120.SR are excluded.
| Ticker | Company | Mkt Cap | Score |
|---|---|---|---|
| 1120.SR | Al Rajhi Banking and Investment Corporation(you) | $99.1B | 51 |
| ITUB | Itaú Unibanco Holding S.A. | $106.6B | 52 |
| CABK.MC | CaixaBank, S.A. | $87.1B | 51 |
| BNP.SW | BNP Paribas SA | $110.6B | 55 |
| SBIN.NS | State Bank of India | $93.2B | 46 |
| IBN | ICICI Bank Limited | $105.8B | 58 |
| UCG.WA | UniCredit S.p.A. | $119.3B | 57 |
| O39.SI | Oversea-Chinese Banking Corporation Limited | $102.0B | 61 |
| MFG | Mizuho Financial Group, Inc. | $115.5B | 44 |
| LLOY.L | Lloyds Banking Group plc | $77.2B | 57 |
Peer medians: ROE 10.2% · P/E 11.9x · Gross margin 69.8%
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.