The Saudi National Bank revenue and financials
SAR 39.00Change from previous close: −0.05%Absolute change: −SAR 0.02
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 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | -9,518 | -44,286 | -9,892 | 16,590 | -28,201 | -31,097 | 28,685 | 6,035 | 4,957 | -75,639 | 33,948 | -10,117 |
| Depreciation and amortization | 627 | 517 | 615 | — | 617 | 554 | — | — | — | — | — | — |
| Capital expenditure | -739 | -438 | -666 | -644 | -326 | -431 | -385 | -539 | -377 | -474 | -220 | -768 |
| Investing cash flow | 2,798 | -2,864 | -1,528 | -634 | -4,992 | -14,440 | -4,706 | -882 | -10,192 | -7,806 | 4,520 | -3,987 |
| Financing cash flow | 26,107 | 45,833 | 9,225 | -25,421 | 44,316 | 51,588 | -46,950 | 6,249 | -3,847 | 85,160 | -34,996 | 25,353 |
| Dividends paid | -6,900 | — | 0.0 | -6,000 | 0.0 | -6,000 | — | -5,400 | -5,400 | — | — | -5,100 |
| Share repurchases | — | — | -192 | — | — | — | — | — | — | — | — | — |
| Debt issued | 29,554 | 48,332 | 53,627 | 43,378 | 33,051 | 46,391 | 21,106 | 26,404 | 48,401 | 22,049 | 8,154 | 18,010 |
| Debt repaid | -30,080 | -37,949 | -42,224 | -41,969 | -18,798 | -37,077 | -20,737 | -16,450 | -23,380 | -5,050 | -9,171 | -10,042 |
| Effect of exchange rates | -105 | -83.2 | -68.3 | -96.6 | -89.5 | -179 | -101 | -122 | -30.4 | -289 | -82.7 | 494 |
| Net change in cash | 19,283 | -1,400 | -2,265 | -9,561 | 11,033 | 5,873 | -23,072 | 11,281 | -9,113 | 1,426 | 3,389 | 11,744 |
| Free cash flow | -10,257 | -44,724 | -10,558 | 15,946 | -28,527 | -31,528 | 28,299 | 5,496 | 4,580 | -76,113 | 33,728 | -10,885 |