Banque Saudi Fransi

SAU:1050Financial ServicesTADAWUL:TBNItasi

SAR 19.24−0.57%At closeAt close · Mon 19 Oct · ≈ AED 18.84 · Market cap $12.8B · Next earnings Sun 25 Oct

Ratio	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025	Current · undated	YoY
Gross margin	100.0%	100.0%	100.0%	100.0%	100.0%	51.0%	—	—
Operating margin	28.3%	53.0%	49.9%	50.1%	64.6%	29.8%	29.8%	+0.0 pts
Net margin	21.8%	47.6%	44.6%	44.9%	47.2%	26.6%	29.8%	+3.2 pts
EBITDA margin	31.3%	56.1%	52.7%	52.8%	0.0%	31.5%	—	—
Return on equity	4.0%	8.7%	9.2%	10.2%	9.7%	10.6%	11.8%	+1.3 pts
Return on assets	0.8%	1.6%	1.5%	1.7%	1.6%	1.7%	1.9%	+0.2 pts
Return on capital employed	3.5%	6.7%	5.6%	6.4%	6.5%	5.5%	—	—
Debt / equity	0.0×	0.0×	0.1×	0.2×	0.3×	0.8×	0.8×	+0.0%
Debt / assets	0.4%	0.4%	2.3%	3.7%	5.5%	12.8%	—	—
Interest coverage	0.0×	0.0×	0.0×	0.0×	0.0×	0.0×	—	—
Current ratio	0.1×	0.1×	0.1×	0.1×	0.1×	0.1×	0.1×	+0.0%
Quick ratio	0.1×	0.1×	0.1×	0.1×	0.1×	0.1×	—	—
Cash ratio	0.1×	0.1×	0.1×	0.1×	0.1×	0.1×	0.1×	+0.0%
Asset turnover	0.0×	0.0×	0.0×	0.0×	0.0×	0.1×	—	—
Receivables turnover	8.2×	4.2×	7.1×	21.7×	7.2×	—	—	—
Dividend payout	77.6%	36.5%	53.7%	52.6%	52.8%	48.9%	—	—

Margins, returns, leverage and liquidityUpdated 31 Dec 2025 ·

ⓘ

Current snapshot ratios have no reporting date and are shown separately from fiscal periods.