The Saudi National Bank revenue and financials
SAR 39.08Change from previous close: +0.15%Absolute change: +SAR 0.06
In the fiscal year ended December 2025, The Saudi National Bank reported revenue of SAR 38.16B (+8.99% year over year). Net income was SAR 25.01B, a net margin of 65.5%.
Fiscal year ending in December. Sources and method on the page Methodology and sources.
At a glance
- Revenue growth
- +8.99%
- 2025 vs 2024
- Net income growth
- +18.03%
- 2025 vs 2024
- Net margin
- 65.5%
- 2024: 60.5%
Financial data
Amounts in millions of SAR; per-share values in SAR; shares in millions.
| Item | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Operating cash flow | -52,600 | -35,962 | -998 | 8,681 | 26,408 |
| Depreciation and amortization | 2,304 | 2,608 | 2,279 | 2,280 | — |
| Capital expenditure | -2,067 | -1,776 | -1,787 | -2,051 | -1,743 |
| Investing cash flow | -21,594 | -23,586 | -9,376 | -28,550 | -503 |
| Financing cash flow | 79,708 | 40,612 | 31,335 | -12,194 | -14,036 |
| Dividends paid | -12,000 | -10,800 | -7,787 | -8,956 | -6,493 |
| Share repurchases | -582 | 0.0 | -348 | 0.0 | — |
| Debt issued | 176,447 | 117,959 | 47,493 | 10,557 | — |
| Debt repaid | -139,271 | -65,262 | -36,768 | -3,606 | — |
| Effect of exchange rates | -434 | -542 | -640 | -652 | -888 |
| Net change in cash | 5,080 | -19,479 | 20,322 | -32,715 | 10,981 |
| Free cash flow | -54,667 | -37,738 | -2,785 | 6,630 | 24,665 |