10
1020.SE
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Tadawul
Banks
Bank AlJazira SJSC
Last 30 days
1D5D1M3M6MYTD1Y5YMax
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Mcap
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P/E
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EV / Rev
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Div yield
4,23 %
Op margin
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ROE
7,1 %
Net margin
50,6 %
Debt / equity
0,36
Beta
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52w range
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Volume
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Day range
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Prev close
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Open
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Next earnings
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Ex-dividend
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TR 1Y
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About
Bank AlJazira SJSC operates as a commercial bank within the Financials sector, generating revenue through interest income and banking services.
Business. Bank AlJazira SJSC is a commercial bank headquartered in the United Arab Emirates, operating within the Banking Services industry. The company generates revenue primarily through interest income and is listed on the Tadawul exchange under the ticker symbol 1020.SE. Specific details regarding its operating segments and geographic mix are not available.
Classification62 %
SectorFinancials
Business sectorBanking & Investment Services
Industry groupBanking Services
IndustryBanks
ActivityCommercial Banks
Generated · model-assisted
Sell-side consensus
HOLD5 analysts
1 buy4 hold0 sell
Avg 12m price target13,30
Analyst recommendations
5 analysts · consensus HoldBuy1
Hold4
Sell0
12-month price target
13,30
Consensus of sell-side coverage.
At a glance
Score
—
not yet scored
Valuation
—
valuation pending
Analysts→
Hold
5 analysts · indicative
Ownership
—
not yet wired
Profitability→
7,1 %
return on equity
Quality
—
not yet scored
What drives this business
The watch-list the newsroom runs for this company — derived from its sector path, sharpened layer by layer. Not investment advice.
— missing data
News & coverage
0Sector rotation
Sector1D1Mvs mkt
Materials+2,3 %+6,6 %+1,7 %
Communication Services+2,2 %−5,5 %+1,6 %
Energy+0,6 %+3,3 %+0,0 %
Health Care+0,6 %−0,8 %+0,0 %
Information Technology+0,6 %+6,7 %+0,0 %
Consumer Discretionary+0,4 %+7,6 %−0,2 %
Financials · THIS SECTOR−0,3 %−2,8 %−0,9 %
Consumer Staples−0,4 %+2,5 %−1,0 %
Real Estate−0,7 %+10,9 %−1,3 %
Industrials−1,9 %−3,1 %−2,5 %
Utilities−1,9 %+28,2 %−2,5 %
Developing storylines
No tracked sagas currently linked to 1020.SE. Browse all sagas →
Analysis
AI analysis
Generated · analysis pipeline · tier hybrid · as of 2026-08-04
↑ At a glance
Opportunity
— missing data
Upcoming catalysts
Scheduled public events. Informational only — not investment advice.
- Peers
- DividendDividend USD 1.75/sh2026-09-25 · Bank of America (BAC)
- EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · JPMorgan Chase (JPM)
- EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · Citigroup (C)
- Macro
- Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
- Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
- Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
- Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
- Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
- Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
- Macro & political
- ElectionSE Swedish Election2026-09-14 · SE
- ElectionUS U.S. Midterms2026-11-03 · US
- ElectionFR French Legislative2027-06-01 · FR
Pre-earnings brief
— missing data
Signals & dispatch
peak dispatch · —
Composite-score breakdown
Synthesis
Business
Bank AlJazira SJSC is a commercial bank headquartered in the United Arab Emirates, operating within the Banking Services industry. The company generates revenue primarily through interest income and is listed on the Tadawul exchange under the ticker symbol 1020.SE. Specific details regarding its operating segments and geographic mix are not available.
Classification62 %
SectorFinancials
Business sectorBanking & Investment Services
Industry groupBanking Services
IndustryBanks
ActivityCommercial Banks
AI synthesis
GENERATED— missing data
Key takeaways
- Bank AlJazira reports 1.5 billion SAR net income on 3.0 billion SAR revenue, yielding a 7.12% ROE.
- Liquidity risk is medium due to negative net cash after debt subtraction, despite positive free cash flow of 1.3 billion SAR.
- Dilution risk is low with no difference between basic and diluted share counts.
- Analyst sentiment is neutral with a mean recommendation of 2.80 and a median price target of 14.00 SAR.
- Debt-to-equity ratio is 0.36, indicating moderate leverage.
Bull / Bear case
Generated · model-assistedBULL CASE · 3
Net income surged 22.3% year-over-year to SAR 1.5 billion, demonstrating strong profitability growth momentum.
Revenue increased 13.9% to SAR 3.0 billion, indicating robust top-line expansion in the latest fiscal period.
Analysts project 16.7% upside to a mean price target of SAR 13.3, suggesting undervaluation at current levels.
BEAR CASE · 5
Long-term debt surged to SAR 12.8 billion in FY-1, raising concerns about leverage and financial flexibility.
Cash conversion ratio of -0.49 places the bank in the bottom quartile, signaling poor cash generation relative to peers.
Return on assets of 0.93% remains low, indicating limited efficiency in generating profits from total assets.
Medium liquidity risk flags potential challenges in meeting short-term obligations without significant asset liquidation.
Debt-to-equity ratio of 0.36 is below the cohort median, but high absolute debt levels still pose refinancing risks.
In focus — financials by report
Quarterly
Annual
QUARTERLYFiled 2026-04-21
Q1 2026 · Quarter highlights
Revenue SAR 818.7M, +8,6% YoY; Net income +12,2% YoY.
RevenueSAR 818.7M+8,6 % YoY
Operating income—
Net incomeSAR 405.0M+12,2 % YoY
Free cash flow-SAR 208.5M−161,6 % YoY
EPS—
Operating cash flowSAR 1.93B+206,1 % YoY
Financials
Income statement
RevenueSAR 818.7M
Gross profit—
Operating income—
Net incomeSAR 405.0M
Margins
Gross margin—
Operating margin—
Net margin49.5%
FCF margin-25.5%
Balance sheet
Total assetsSAR 173.11B
Total liabilitiesSAR 150.11B
Total equitySAR 23.00B
Cash & equivalents—
Long-term debtSAR 2.04B
Cash flow
Operating cash flowSAR 1.93B
CapEx-SAR 26.6M
Free cash flow-SAR 208.5M
SBC—
Highlights
- ▍Revenue SAR 818.7M, +8,6% YoY
- ▍Net income +12,2% YoY
- ▍Free cash flow −161,6% YoY
- ▍Net margin 49.5%
QUARTERLYFiled 2026-01-28
Q4 2025 · Quarter highlights
Revenue SAR 773.0M, +5,2% YoY; Net income +29,3% YoY.
RevenueSAR 773.0M+5,2 % YoY
Operating income—
Net incomeSAR 362.3M+29,3 % YoY
Free cash flowSAR 235.8M−2,9 % YoY
EPS—
Operating cash flow-SAR 761.5M−146,4 % YoY
Financials
Income statement
RevenueSAR 773.0M
Gross profit—
Operating income—
Net incomeSAR 362.3M
Margins
Gross margin—
Operating margin—
Net margin46.9%
FCF margin30.5%
Balance sheet
Total assetsSAR 165.92B
Total liabilitiesSAR 144.15B
Total equitySAR 21.77B
Cash & equivalents—
Long-term debtSAR 2.01B
Cash flow
Operating cash flow-SAR 761.5M
CapEx-SAR 342.4M
Free cash flowSAR 235.8M
SBC—
Highlights
- ▍Revenue SAR 773.0M, +5,2% YoY
- ▍Net income +29,3% YoY
- ▍Free cash flow −2,9% YoY
- ▍Net margin 46.9%
QUARTERLYFiled 2025-10-21
Q3 2025 · Quarter highlights
Revenue SAR 711.1M, +9,4% YoY; Net income +20,3% YoY.
RevenueSAR 711.1M+9,4 % YoY
Operating income—
Net incomeSAR 400.1M+20,3 % YoY
Free cash flowSAR 391.8M+13,9 % YoY
EPS—
Operating cash flow-SAR 892.8M−204,7 % YoY
Financials
Income statement
RevenueSAR 711.1M
Gross profit—
Operating income—
Net incomeSAR 400.1M
Margins
Gross margin—
Operating margin—
Net margin56.3%
FCF margin55.1%
Balance sheet
Total assetsSAR 163.43B
Total liabilitiesSAR 141.79B
Total equitySAR 21.64B
Cash & equivalents—
Long-term debtSAR 2.04B
Cash flow
Operating cash flow-SAR 892.8M
CapEx-SAR 183.3M
Free cash flowSAR 391.8M
SBC—
Highlights
- ▍Revenue SAR 711.1M, +9,4% YoY
- ▍Net income +20,3% YoY
- ▍Free cash flow +13,9% YoY
- ▍Net margin 56.3%
QUARTERLYFiled 2025-07-24
Q2 2025 · Quarter highlights
Revenue SAR 761.6M, +21,0% YoY; Net income +20,3% YoY.
RevenueSAR 761.6M+21,0 % YoY
Operating income—
Net incomeSAR 382.1M+20,3 % YoY
Free cash flowSAR 359.8M+6,3 % YoY
EPS—
Operating cash flowSAR 42.4M+106,7 % YoY
Financials
Income statement
RevenueSAR 761.6M
Gross profit—
Operating income—
Net incomeSAR 382.1M
Margins
Gross margin—
Operating margin—
Net margin50.2%
FCF margin47.2%
Balance sheet
Total assetsSAR 157.57B
Total liabilitiesSAR 138.48B
Total equitySAR 19.09B
Cash & equivalents—
Long-term debtSAR 2.01B
Cash flow
Operating cash flowSAR 42.4M
CapEx-SAR 129.0M
Free cash flowSAR 359.8M
SBC—
Highlights
- ▍Revenue SAR 761.6M, +21,0% YoY
- ▍Net income +20,3% YoY
- ▍Free cash flow +6,3% YoY
- ▍Net margin 50.2%
QUARTERLYFiled 2025-05-01
Q1 2025 · Quarter highlights
Revenue SAR 753.9M; Net margin 47.9%.
RevenueSAR 753.9M
Operating income—
Net incomeSAR 361.0M
Free cash flowSAR 338.7M
EPS—
Operating cash flow-SAR 1.82B
Financials
Income statement
RevenueSAR 753.9M
Gross profit—
Operating income—
Net incomeSAR 361.0M
Margins
Gross margin—
Operating margin—
Net margin47.9%
FCF margin44.9%
Balance sheet
Total assetsSAR 153.16B
Total liabilitiesSAR 134.29B
Total equitySAR 18.87B
Cash & equivalents—
Long-term debtSAR 2.04B
Cash flow
Operating cash flow-SAR 1.82B
CapEx-SAR 63.8M
Free cash flowSAR 338.7M
SBC—
Highlights
- ▍Revenue SAR 753.9M
- ▍Net margin 47.9%
QUARTERLYFiled 2025-02-02
Q4 2024 · Quarter highlights
Revenue SAR 735.1M; Net margin 38.1%.
RevenueSAR 735.1M
Operating income—
Net incomeSAR 280.2M
Free cash flowSAR 242.9M
EPS—
Operating cash flowSAR 1.64B
Financials
Income statement
RevenueSAR 735.1M
Gross profit—
Operating income—
Net incomeSAR 280.2M
Margins
Gross margin—
Operating margin—
Net margin38.1%
FCF margin33.0%
Balance sheet
Total assetsSAR 149.12B
Total liabilitiesSAR 131.70B
Total equitySAR 17.41B
Cash & equivalents—
Long-term debtSAR 2.01B
Cash flow
Operating cash flowSAR 1.64B
CapEx-SAR 252.6M
Free cash flowSAR 242.9M
SBC—
Highlights
- ▍Revenue SAR 735.1M
- ▍Net margin 38.1%
QUARTERLYFiled 2024-10-27
Q3 2024 · Quarter highlights
Revenue SAR 649.8M; Net margin 51.2%.
RevenueSAR 649.8M
Operating income—
Net incomeSAR 332.7M
Free cash flowSAR 343.9M
EPS—
Operating cash flowSAR 852.5M
Financials
Income statement
RevenueSAR 649.8M
Gross profit—
Operating income—
Net incomeSAR 332.7M
Margins
Gross margin—
Operating margin—
Net margin51.2%
FCF margin52.9%
Balance sheet
Total assetsSAR 145.40B
Total liabilitiesSAR 127.81B
Total equitySAR 17.60B
Cash & equivalents—
Long-term debtSAR 2.05B
Cash flow
Operating cash flowSAR 852.5M
CapEx-SAR 172.8M
Free cash flowSAR 343.9M
SBC—
Highlights
- ▍Revenue SAR 649.8M
- ▍Net margin 51.2%
QUARTERLYFiled 2024-08-05
Q2 2024 · Quarter highlights
Revenue SAR 629.4M; Net margin 50.5%.
RevenueSAR 629.4M
Operating income—
Net incomeSAR 317.6M
Free cash flowSAR 338.6M
EPS—
Operating cash flow-SAR 631.5M
Financials
Income statement
RevenueSAR 629.4M
Gross profit—
Operating income—
Net incomeSAR 317.6M
Margins
Gross margin—
Operating margin—
Net margin50.5%
FCF margin53.8%
Balance sheet
Total assetsSAR 138.00B
Total liabilitiesSAR 121.33B
Total equitySAR 16.67B
Cash & equivalents—
Long-term debtSAR 2.01B
Cash flow
Operating cash flow-SAR 631.5M
CapEx-SAR 140.0M
Free cash flowSAR 338.6M
SBC—
Highlights
- ▍Revenue SAR 629.4M
- ▍Net margin 50.5%
ANNUALFiled 2026-01-28
FY 2026 · Full-year highlights
Revenue SAR 3.00B, +13,9% YoY; Net income +22,3% YoY.
RevenueSAR 3.00B+13,9 % YoY
Operating income—
Net incomeSAR 1.51B+22,3 % YoY
Free cash flowSAR 1.33B+14,5 % YoY
EPS—
Operating cash flow-SAR 761.5M−146,4 % YoY
Financials
Income statement
RevenueSAR 3.00B
Gross profit—
Operating income—
Net incomeSAR 1.51B
Margins
Gross margin—
Operating margin—
Net margin50.2%
FCF margin44.2%
Balance sheet
Total assetsSAR 165.92B
Total liabilitiesSAR 144.15B
Total equitySAR 21.77B
Cash & equivalents—
Long-term debtSAR 7.85B
Cash flow
Operating cash flow-SAR 761.5M
CapEx-SAR 342.4M
Free cash flowSAR 1.33B
SBC—
P&L flow · revenue → net income
Highlights
- ▍Revenue SAR 3.00B, +13,9% YoY
- ▍Net income +22,3% YoY
- ▍Free cash flow +14,5% YoY
- ▍Net margin 50.2%
ANNUALFiled 2025-02-02
FY 2025 · Full-year highlights
Revenue SAR 2.63B, +10,9% YoY; Net income +20,7% YoY.
RevenueSAR 2.63B+10,9 % YoY
Operating income—
Net incomeSAR 1.23B+20,7 % YoY
Free cash flowSAR 1.16B+16,1 % YoY
EPS—
Operating cash flowSAR 1.64B+197,5 % YoY
Financials
Income statement
RevenueSAR 2.63B
Gross profit—
Operating income—
Net incomeSAR 1.23B
Margins
Gross margin—
Operating margin—
Net margin46.7%
FCF margin44.0%
Balance sheet
Total assetsSAR 149.12B
Total liabilitiesSAR 131.70B
Total equitySAR 17.41B
Cash & equivalents—
Long-term debtSAR 12.76B
Cash flow
Operating cash flowSAR 1.64B
CapEx-SAR 252.6M
Free cash flowSAR 1.16B
SBC—
Highlights
- ▍Revenue SAR 2.63B, +10,9% YoY
- ▍Net income +20,7% YoY
- ▍Free cash flow +16,1% YoY
- ▍Net margin 46.7%
ANNUALFiled 2024-02-05
FY 2024 · Full-year highlights
Revenue SAR 2.37B, −8,9% YoY; Net income −8,0% YoY.
RevenueSAR 2.37B−8,9 % YoY
Operating income—
Net incomeSAR 1.02B−8,0 % YoY
Free cash flowSAR 998.0M+95,2 % YoY
EPS—
Operating cash flow-SAR 1.68B−137,0 % YoY
Financials
Income statement
RevenueSAR 2.37B
Gross profit—
Operating income—
Net incomeSAR 1.02B
Margins
Gross margin—
Operating margin—
Net margin42.9%
FCF margin42.0%
Balance sheet
Total assetsSAR 129.55B
Total liabilitiesSAR 113.14B
Total equitySAR 16.42B
Cash & equivalents—
Long-term debtSAR 12.67B
Cash flow
Operating cash flow-SAR 1.68B
CapEx-SAR 204.0M
Free cash flowSAR 998.0M
SBC—
Highlights
- ▍Revenue SAR 2.37B, −8,9% YoY
- ▍Net income −8,0% YoY
- ▍Free cash flow +95,2% YoY
- ▍Net margin 42.9%
ANNUALFiled 2023-02-02
FY 2023 · Full-year highlights
Revenue SAR 2.61B, −4,0% YoY; Net income +10,2% YoY.
RevenueSAR 2.61B−4,0 % YoY
Operating income—
Net incomeSAR 1.11B+10,2 % YoY
Free cash flowSAR 511.3M−34,6 % YoY
EPS—
Operating cash flowSAR 4.55B+6 358,4 % YoY
Financials
Income statement
RevenueSAR 2.61B
Gross profit—
Operating income—
Net incomeSAR 1.11B
Margins
Gross margin—
Operating margin—
Net margin42.5%
FCF margin19.6%
Balance sheet
Total assetsSAR 115.85B
Total liabilitiesSAR 102.24B
Total equitySAR 13.61B
Cash & equivalents—
Long-term debtSAR 7.09B
Cash flow
Operating cash flowSAR 4.55B
CapEx-SAR 203.9M
Free cash flowSAR 511.3M
SBC—
Highlights
- ▍Revenue SAR 2.61B, −4,0% YoY
- ▍Net income +10,2% YoY
- ▍Free cash flow −34,6% YoY
- ▍Net margin 42.5%
Valuation TTM
Market price
$11,40
Market cap
—
Enterprise valueⓘ
—
P/Eⓘ
—
Non-GAAP P/Eⓘ
—
EV / Revenueⓘ
—
EV / Op incomeⓘ
—
EV / OCFⓘ
—
P / Bⓘ
—
P / Tangible bookⓘ
—
Tangible book
$21.77B
Net cashⓘ
-$7.85B
Current ratioⓘ
—
Debt / equityⓘ
0.4
ROAⓘ
0.9%
ROEⓘ
7.1%
Cash conversionⓘ
-49.0%
CapEx / revenueⓘ
-11.2%
SBC / revenueⓘ
—
Dilution ratioⓘ
0.0%
Revenue by segment
Corporate & Institutional Banking—
low · llm_fanout_v2
Retail Banking Services—
low · llm_fanout_v2
Business relationships
Business relationships3 disclosed relationships · 1 type · extracted from filings & disclosures
Competitors3
Bank Of America CorpBAC.OCompetitor50%
CITIGROUP INC.C.NCompetitor50%
JPMORGAN CHASE & CO.JPM.NCompetitor50%
Supply chain
— missing data
Peer comparison
— missing data
Market position
Stress test
— missing data
Predictor forecast
Options
— missing data
Short squeeze
— missing data
Earnings-call key lines
— missing data
Consensus distribution
sell-side coverageRecommendation distribution5 analysts
Strong buy0
Buy1
Hold4
Sell0
Strong sell0
12-month price target$13,30 · Median $14,00
Low $11,70High $14,20
Operating income · consensus2,3B SAR
Revenue surprise
+79,0 %
reported vs consensus · beat
Estimate revisions
consensus EPS · 26-week trend— missing data
Sell-side observations
Low$11,70
Mean$13,30
Median$14,00
High$14,20
Spot$11,40
+16.7 %implied to mean12-month sell-side price targets · ▲ spot
Themes
— missing data
ESG
— missing data
Risk factors
Dilution riskLow
Liquidity riskMedium
Filing-based flags
- Net cash is negative after subtracting total debt.
Benchmarks vs cohort
Net Margin50,6 %Above median
ROE7,1 %Above median
Capex / Rev-11,2 %Bottom quartile
D/E0,36Below median
Cash Conv-0,49Bottom quartile
Corporate actions / M&A
— missing data
FX exposure
— missing data
Comparable transactions
— missing data
Derivatives & instruments
— missing data
Actions
Ask Handelsavisen
— missing data
Data sources
- Market data
- Market data cache
- Issuer disclosures
- Public news
- Earnings transcripts
- Consensus estimates
- ESG data
- Reference data
How metrics are computed
- Debt To Equity(short_term_debt + long_term_debt) / total_equity
- Cash Conversion Ratiooperating_cash_flow / net_income
- Dilution Ratio(shares_outstanding_diluted - shares_outstanding_basic) / shares_outstanding_basic
- Net Cashcash_and_equivalents + short_term_investments - short_term_debt - long_term_debt
- Return On Assetsnet_income / total_assets
- Return On Equitynet_income / total_equity
Source documents
- Bank AlJazira SJSC Market data — financials · 2026-07-11
- Bank AlJazira SJSC Market data — analyst estimates · 2026-07-11
- Bank AlJazira SJSC Market data — ESG · 2026-07-11
Ownership & reference
Insider activity
— missing data
Short positioning
— missing data
Geographic breakdown
— missing data
Listings · one canonical issuer
all listings resolve to the canonical
1020.SECanonical
Tadawul · USD
Intel & risk
peak dispatch · —
OSINT findings
Dilution riskLow
Liquidity riskMedium
Net cash is negative after subtracting total debt.
Relationship graph
This companyPeerSector
Evidence & claims
From filings & derived data— missing data
The Thread
Everything we know, in order2026-04-21 14:10 UTCEARNINGSQuarterly results — Q1 2026 Revenue SAR 818.7M · Net SAR 405.0M
2026-01-28 13:35 UTCEARNINGSQuarterly results — Q4 2025 Revenue SAR 773.0M · Net SAR 362.3M
2026-01-28 13:35 UTCEARNINGSAnnual results — FY 2026 Revenue SAR 3.00B · Net SAR 1.51B
2025-10-21 09:05 UTCEARNINGSQuarterly results — Q3 2025 Revenue SAR 711.1M · Net SAR 400.1M
2025-07-24 14:06 UTCEARNINGSQuarterly results — Q2 2025 Revenue SAR 761.6M · Net SAR 382.1M
2025-05-01 07:40 UTCEARNINGSQuarterly results — Q1 2025 Revenue SAR 753.9M · Net SAR 361.0M
2025-02-02 11:21 UTCEARNINGSQuarterly results — Q4 2024 Revenue SAR 735.1M · Net SAR 280.2M
2025-02-02 11:21 UTCEARNINGSAnnual results — FY 2025 Revenue SAR 2.63B · Net SAR 1.23B
2024-10-27 13:42 UTCEARNINGSQuarterly results — Q3 2024 Revenue SAR 649.8M · Net SAR 332.7M
2024-08-05 07:27 UTCEARNINGSQuarterly results — Q2 2024 Revenue SAR 629.4M · Net SAR 317.6M
2024-02-05 05:26 UTCEARNINGSAnnual results — FY 2024 Revenue SAR 2.37B · Net SAR 1.02B
2023-02-02 05:27 UTCEARNINGSAnnual results — FY 2023 Revenue SAR 2.61B · Net SAR 1.11B
2022-02-03 14:25 UTCEARNINGSAnnual results — FY 2022 Revenue SAR 2.72B · Net SAR 1.01B
The entity's full life in the product — typed, chronological, joined across Newspaper, Platform and Data. Our memory, made visible.
Sources filings · IR · transcripts · market data · tier hybrid · as of 2026-08-04
Market data · Issuer disclosures · Public news · Earnings transcripts · Consensus estimates · ESG data · Reference data
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