Bank Albilad provides its services through approximately 108 banking branches in the Kingdom of Saudi Arabia. The company has a return on equity (ROE) of 16.18%, indicating solid profitability, while maintaining a lean cost structure relative to peers. The bank's Islamic banking specialization positions it favorably within Saudi Arabia's growing Sharia-compliant financial ecosystem.
Cyborg Score Rationale
Bank Albilad had revenue of SAR 5.83 billion and earned 2.96 billion in profits in the last 12 months. The trailing PE ratio is 13.31 and the forward PE ratio is 13.09, suggesting reasonable valuation. However, the stock price has decreased by -19.52% in the last 52 weeks, indicating recent market headwinds offsetting otherwise solid fundamentals.
Top Insights
In 2024, Bank Albilad's revenue was 5.54 billion (up 11.31% YoY) and earnings were 2.81 billion (up 18.47%), demonstrating strong revenue and earnings growth momentum
The ALBILAD dividend yield is 3.5%, offering attractive shareholder returns within the Saudi banking sector
The company has 6.74 billion in cash and 3.14 billion in debt, giving a net cash position of 3.60 billion, reflecting a strong balance sheet with significant liquidity
The beta is 0.63, so Bank Albilad's price volatility has been lower than the market average, positioning it as a defensive investment choice within the banking sector
Named Competitors
Al Rajhi Bank — Saudi Arabia's largest Islamic bank by assets
Al Inma Bank — Islamic banking services in Saudi Arabia
Saudi Investment Bank — Corporate and retail banking services in Saudi Arabia
Recent Developments
(2024) Revenue growth of 11.31% to SAR 5.54 billion with earnings growth of 18.47%
(2025) Partnership with Intellect Design Arena Ltd. to accelerate digital banking capabilities
(2025) Market capitalization of approximately SAR 37-39.63 billion with 1.50 billion shares outstanding
Open the full interactive Bank Albilad report
Strategic research, analyst-debate audio, full Cyborg Score breakdown across 11 dimensions, and saved-company audio playlists.