1150.SR
Fallen FavouriteAlinma Bank · Financial Services · Saudi Arabia · $17.3B cap · $29.8M/day traded
SAR 21.66 +1.2% · 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 Alinma Bank (1150.SR) is 51/100, ranked against 25,000+ stocks in 38 markets (Quality 54, Value 44, Momentum 47, each scored against its sector).
Does the score work? Each tenth of the ranking, tracked monthly. See the record →
ABOUT ALINMA BANK
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Alinma Bank provides banking and investment services in the Kingdom of Saudi Arabia. It operates through Retail Banking, Corporate Banking, Treasury, and Investment and Brokerage segments.
FINANCIAL SUMMARY (SAR)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 8.0B | 9.7B | 10.9B | 11.8B | 14.1% | 11.5B | 12.5B | 13.7B | 7.6% |
| EPS (SAR) | 1.15 | 1.56 | 1.85 | 1.98 | 19.6% | 2.02 | 1.90 | 2.18 | 5.1% |
| Shares | 3.0B | 3.0B | 3.0B | 3.0B | -0.6% | 3.0B | — | — | — |
| Debt | 63.1B | 97.7B | 102.2B | 125.7B | 25.8% | 21.1B | — | — | — |
| Equity | 31.9B | 34.3B | 41.4B | 48.2B | 14.8% | — | — | — | — |
| Op CF | 8.2B | 8.4B | 5.7B | -2.2B | -16.4% | -15.5B | — | — | — |
| Inv CF | -5.9B | -3.6B | -5.8B | -8.4B | — | — | — | — | — |
| Fin CF | -2.0B | -3.1B | 1.3B | 7.7B | — | — | — | — | — |
No clear trend: not near its 52-week low, and not in a steady uptrend.
Calmer than 92% of stocks we rank over the past year (volatility 20% 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 1150.SR are excluded.
| Ticker | Company | Mkt Cap | Score |
|---|---|---|---|
| 1150.SR | Alinma Bank(you) | $17.3B | 51 |
| 1140.SR | Bank Albilad | $8.4B | 54 |
| 1060.SR | Saudi Awwal Bank | $17.6B | 71 |
| 1010.SR | Riyad Bank | $21.5B | 76 |
| 1050.SR | Banque Saudi Fransi | $13.3B | 78 |
| 1120.SR | Al Rajhi Banking and Investment Corporation | $99.1B | 51 |
| 1080.SR | Arab National Bank | $11.1B | 78 |
| 1180.SR | The Saudi National Bank | $60.2B | 71 |
| 1020.SR | aljazira bank | $3.7B | 66 |
| 1030.SR | The Saudi Investment Bank | $4.6B | 87 |
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.