Boubyan Bank KSCP
Boubyan Bank KSCP is a financial institution operating in the banking sector, generating revenue primarily through interest income and fee-based services.
Business. Boubyan Bank KSCP (BOUK.KW) is a banking institution operating within the Financials sector, specifically engaged in providing banking and investment services. The company generates revenue primarily through interest income, consistent with standard banking industry models. As specific segment and geographic breakdowns are not provided, the firm is described at the industry level without further operational detail. It is listed under the ticker BOUK.KW.
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3 analysts · consensus HoldAt a glance
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- 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
Signals & dispatch
Composite-score breakdown
Synthesis
Boubyan Bank KSCP (BOUK.KW) is a banking institution operating within the Financials sector, specifically engaged in providing banking and investment services. The company generates revenue primarily through interest income, consistent with standard banking industry models. As specific segment and geographic breakdowns are not provided, the firm is described at the industry level without further operational detail. It is listed under the ticker BOUK.KW.
Boubyan Bank KSCP maintains a debt-to-equity ratio of 0.49, indicating a relatively conservative capital structure with a moderate reliance on debt financing. The bank's liquidity position is assessed as medium, with free cash flow of 18.3 million KWD and operating cash flow of 290.4 million KWD, suggesting adequate short-term liquidity to meet obligations. However, the bank's net cash position is negative after subtracting total debt, signaling potential liquidity constraints in the medium term.
Profitability metrics show a return on equity (ROE) of 2.42% and a return on assets (ROA) of 0.28%, both below the industry median for banks, indicating subpar performance relative to peers. The bank's net income of 246.18 million KWD on total assets of 8.89 billion KWD suggests a low-margin business model, which is typical for banks but lags in efficiency compared to top performers in the sector.
Geographic and segment exposure is not explicitly detailed in the available data, but the bank's operations are concentrated in Kuwait, with no disclosed international revenue streams. This concentration may expose the bank to local economic and regulatory risks, particularly in a market sensitive to oil price fluctuations.
The bank's growth trajectory is modest, with no specific revenue growth projections provided in the outlook. Historical revenue of 486.54 million KWD reflects a stable but non-expansive business model. Analysts have assigned a mean price target of 0.66 KWD, with a median of 0.73 KWD, suggesting limited upside potential in the near term.
Risk factors include a medium liquidity risk and a low dilution risk, with no significant dilution expected in the near term. The bank's capital expenditure of -17.04 million KWD indicates a reduction in investment, which may signal a focus on cost control rather than expansion. No recent filings or transcripts are available to provide additional context on strategic shifts or operational changes.
Recent events and disclosures are limited, with no notable filings or transcripts available to indicate strategic shifts or operational changes. The bank's risk assessment remains stable, with no immediate signs of financial distress or regulatory intervention.
- Boubyan Bank KSCP maintains a conservative capital structure with a debt-to-equity ratio of 0.49.
- The bank's ROE of 2.42% and ROA of 0.28% are below industry medians, indicating subpar profitability.
- Free cash flow of 18.3 million KWD supports a medium liquidity position, but net cash is negative after subtracting total debt.
- The bank's growth trajectory is modest, with no specific revenue growth projections provided.
- Analysts have assigned a mean price target of 0.66 KWD, suggesting limited upside potential in the near term.
- The bank's operations are concentrated in Kuwait, exposing it to local economic and regulatory risks.
Bull / Bear case
Generated · model-assistedNet income grew at a 20.0% CAGR over four years, reaching 100.5 million KWD in FY2026.
Revenue expanded at a 7.4% CAGR, totaling 209.6 million KWD in the latest fiscal year.
Total assets grew at an 8.5% CAGR, indicating consistent balance sheet expansion over five years.
Equity grew at an 11.8% CAGR, supporting capital base expansion alongside asset growth.
Free cash flow declined 14.2% year-over-year to 39.6 million KWD in the latest period.
Long-term debt increased to 520.5 million KWD in FY2026, reversing prior reduction trends.
The company faces medium liquidity risk according to internal risk flag assessments.
In focus — financials by report
Revenue KWD 52.5M, +6,0% YoY; Net income −0,3% YoY.
- ▍Revenue KWD 52.5M, +6,0% YoY
- ▍Net income −0,3% YoY
- ▍Free cash flow +27,8% YoY
- ▍Net margin 50.3%
Revenue KWD 52.9M, −0,4% YoY; Net income −1,9% YoY.
- ▍Revenue KWD 52.9M, −0,4% YoY
- ▍Net income −1,9% YoY
- ▍Free cash flow −4,5% YoY
- ▍Net margin 43.2%
Revenue KWD 53.9M, +4,0% YoY; Net income +6,2% YoY.
- ▍Revenue KWD 53.9M, +4,0% YoY
- ▍Net income +6,2% YoY
- ▍Free cash flow +29,9% YoY
- ▍Net margin 47.1%
Revenue KWD 53.3M, +9,6% YoY; Net income +4,9% YoY.
- ▍Revenue KWD 53.3M, +9,6% YoY
- ▍Net income +4,9% YoY
- ▍Free cash flow −0,5% YoY
- ▍Net margin 48.4%
Revenue KWD 49.5M; Net margin 53.5%.
- ▍Revenue KWD 49.5M
- ▍Net margin 53.5%
Revenue KWD 53.1M; Net margin 43.9%.
- ▍Revenue KWD 53.1M
- ▍Net margin 43.9%
Revenue KWD 51.8M; Net margin 46.1%.
- ▍Revenue KWD 51.8M
- ▍Net margin 46.1%
Revenue KWD 48.7M; Net margin 50.6%.
- ▍Revenue KWD 48.7M
- ▍Net margin 50.6%
Revenue KWD 209.6M, +4,6% YoY; Net income +3,9% YoY.
- ▍Revenue KWD 209.6M, +4,6% YoY
- ▍Net income +3,9% YoY
- ▍Free cash flow −14,2% YoY
- ▍Net margin 48.0%
Revenue KWD 200.4M, +16,2% YoY; Net income +20,3% YoY.
- ▍Revenue KWD 200.4M, +16,2% YoY
- ▍Net income +20,3% YoY
- ▍Free cash flow +31,1% YoY
- ▍Net margin 48.3%
Revenue KWD 172.5M, +3,1% YoY; Net income +39,2% YoY.
- ▍Revenue KWD 172.5M, +3,1% YoY
- ▍Net income +39,2% YoY
- ▍Free cash flow +96,2% YoY
- ▍Net margin 46.6%
Revenue KWD 167.2M, +6,2% YoY; Net income +19,2% YoY.
- ▍Revenue KWD 167.2M, +6,2% YoY
- ▍Net income +19,2% YoY
- ▍Free cash flow −42,3% YoY
- ▍Net margin 34.6%
Valuation TTM
Revenue by segment
Business relationships
Supply chain
Peer comparison
Market position
Stress test
Predictor forecast
| Metric | Our forecast | Guidance | Consensus |
|---|---|---|---|
| EPS | —no estimate | —no estimate | 0,02 |
| Revenue | —no estimate | —no estimate | 301,3M KWD |
| Operating income | —no estimate | —no estimate | 158,0M KWD |
Options
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Earnings-call key lines
Consensus distribution
sell-side coverageEstimate revisions
consensus EPS · 26-week trendSell-side observations
Themes
ESG
Risk factors
- Net cash is negative after subtracting total debt.
Benchmarks vs cohort
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FX exposure
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- Boubyan Bank KSCP Market data — financials · 2026-05-27
- Boubyan Bank KSCP Market data — analyst estimates · 2026-05-27
- Boubyan Bank KSCP Market data — ESG · 2026-05-27