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Boubyan Bank K.S.C.P

KWSE:BOUBYAN
Snowflake Description

Flawless balance sheet with moderate growth potential.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
BOUBYAN
KWSE
KWD1B
Market Cap
  1. Home
  2. KW
  3. Banks
Company description

Boubyan Bank K.S.C.P., together with its subsidiaries, provides various banking products and services in the Middle East, North Africa, North America, Europe, Asia, and internationally. The last earnings update was 78 days ago. More info.


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  • Boubyan Bank K.S.C.P has significant price volatility in the past 3 months.
BOUBYAN Share Price and Events
7 Day Returns
-7.1%
KWSE:BOUBYAN
-0.9%
KW Banks
-0.8%
KW Market
1 Year Returns
-20.3%
KWSE:BOUBYAN
-18.7%
KW Banks
-18.4%
KW Market
BOUBYAN Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
Boubyan Bank K.S.C.P (BOUBYAN) -7.1% -1.3% -24.2% -20.3% 29.5% 37.9%
KW Banks -0.9% -2.7% -25.6% -18.7% 9.5% -1.6%
KW Market -0.8% -2.1% -24% -18.4% -6.8% -8.7%
1 Year Return vs Industry and Market
  • BOUBYAN underperformed the Banks industry which returned -18.7% over the past year.
  • BOUBYAN underperformed the Market in Kuwait which returned -18.4% over the past year.
Price Volatility
BOUBYAN
Industry
5yr Volatility vs Market

BOUBYAN Value

 Is Boubyan Bank K.S.C.P undervalued based on future cash flows and its price relative to the stock market?

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
Here we compare the current share price of Boubyan Bank K.S.C.P to its discounted cash flow analysis.value.

The discounted cash flow value is simply looking at what the company is worth today, based on estimates of how much money it is expected to make in the future.
Raw Data

Below are the data sources, inputs and calculation used to determine the intrinsic value for Boubyan Bank K.S.C.P.

KWSE:BOUBYAN Discounted Cash Flow Data Sources
Data Point Source Value
Valuation Model Excess Returns Model
Stable EPS Weighted future Return on Equity estimates from 5 analysts.
= Stable Book Value * Return on Equity
= KWD0.24 * 14.5%
KWD0.03
Book Value of Equity per Share Weighted future Book Value estimates from 4 analysts. KWD0.24
Discount Rate (Cost of Equity) See below 16.8%
Perpetual Growth Rate 10-Year KW Government Bond Rate 8.6%

An important part of a discounted cash flow is the discount rate, below we explain how it has been calculated.

Calculation of Discount Rate/ Cost of Equity for KWSE:BOUBYAN
Data Point Calculation/ Source Result
Risk-Free Rate 10-Year KW Govt Bond Rate 8.6%
Equity Risk Premium S&P Global 6.1%
Banks Unlevered Beta Simply Wall St/ S&P Global 0.55
Re-levered Beta = Unlevered beta (1 + (1- tax rate) (Debt/Equity))
= 0.555 (1 + (1- 15%) (16.62%))
1.345
Levered Beta Levered Beta limited to 0.8 to 2.0
(practical range for a stable firm)
1.34
Discount Rate/ Cost of Equity = Cost of Equity = Risk Free Rate + (Levered Beta * Equity Risk Premium)
= 8.6% + (1.345 * 6.07%)
16.76%

Discounted Cash Flow Calculation for KWSE:BOUBYAN using Excess Returns Model Model

The calculations below outline how an intrinsic value for Boubyan Bank K.S.C.P is arrived at using the Excess Return Model. This approach is used for finance firms where free cash flow is difficult to estimate.

In the Excess Return Model the value of a firm can be written as the sum of capital invested currently in the firm and the present value of excess returns that the firm expects to make in the future.

The model is sensitive to the Return on Equity of the company versus the Cost of Equity, how these are calculated is detailed below the main calculation.

Note the calculations below are per share.

See our documentation to learn about this calculation.

KWSE:BOUBYAN Value of Excess Returns
Calculation Result
Excess Returns = (Stable Return on equity – Cost of equity) (Book Value of Equity per share)
= (14.5% – 16.76%) * KWD0.24)
KWD-0.01
Terminal Value of Excess Returns = Excess Returns / (Cost of Equity - Expected Growth Rate)
= KWD-0.01 / (16.76% - 8.6%)
KWD-0.07
Value of Equity = Book Value per share + Terminal Value of Excess Returns
= KWD0.24 + KWD-0.07
KWD0.17
KWSE:BOUBYAN Discount to Share Price
Calculation Result
Value per share (KWD) From above. KWD0.17
Current discount Discount to share price of KWD0.47
= -1 x (KWD0.47 - KWD0.17) / KWD0.17
-171.2%

Learn more about our DCF calculations in Simply Wall St’s analysis model .

  • The current share price of Boubyan Bank K.S.C.P is above its future cash flow value.
Often investors are willing to pay a premium for a company that has a high dividend or the potential for future growth.
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for Boubyan Bank K.S.C.P's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are Boubyan Bank K.S.C.P's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
KWSE:BOUBYAN PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2019-12-31) in KWD KWD0.02
KWSE:BOUBYAN Share Price ** KWSE (2020-04-09) in KWD KWD0.47
Kuwait Banks Industry PE Ratio Median Figure of 10 Publicly-Listed Banks Companies 12.61x
Kuwait Market PE Ratio Median Figure of 112 Publicly-Listed Companies 10.8x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of Boubyan Bank K.S.C.P.

KWSE:BOUBYAN PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= KWSE:BOUBYAN Share Price ÷ EPS (both in KWD)

= 0.47 ÷ 0.02

24.19x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Boubyan Bank K.S.C.P is overvalued based on earnings compared to the KW Banks industry average.
  • Boubyan Bank K.S.C.P is overvalued based on earnings compared to the Kuwait market.
Price based on expected Growth
Does Boubyan Bank K.S.C.P's expected growth come at a high price?
Raw Data
KWSE:BOUBYAN PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section 24.19x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 5 Analysts
15.9%per year
Kuwait Banks Industry PEG Ratio Median Figure of 6 Publicly-Listed Banks Companies 1.4x
Kuwait Market PEG Ratio Median Figure of 17 Publicly-Listed Companies 1.3x

*Line of best fit is calculated by linear regression .

KWSE:BOUBYAN PEG (Price to Earnings to Growth) Ratio Calculation
Calculation Outcome
PEG Ratio

= PE Ratio ÷ Net Income Annual Growth Rate

= 24.19x ÷ 15.9%

1.52x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Boubyan Bank K.S.C.P is poor value based on expected growth next year.
Price based on value of assets
What value do investors place on Boubyan Bank K.S.C.P's assets?
Raw Data
KWSE:BOUBYAN PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2019-12-31) in KWD KWD0.21
KWSE:BOUBYAN Share Price * KWSE (2020-04-09) in KWD KWD0.47
Kuwait Banks Industry PB Ratio Median Figure of 11 Publicly-Listed Banks Companies 0.91x
Kuwait Market PB Ratio Median Figure of 155 Publicly-Listed Companies 0.51x
KWSE:BOUBYAN PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= KWSE:BOUBYAN Share Price ÷ Book Value per Share (both in KWD)

= 0.47 ÷ 0.21

2.19x

* Primary Listing of Boubyan Bank K.S.C.P.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Boubyan Bank K.S.C.P is overvalued based on assets compared to the KW Banks industry average.
X
Value checks
We assess Boubyan Bank K.S.C.P's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Banks industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Banks industry average (and greater than 0)? (1 check)
  5. Boubyan Bank K.S.C.P has a total score of 0/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

BOUBYAN Future Performance

 How is Boubyan Bank K.S.C.P expected to perform in the next 1 to 3 years based on estimates from 5 analysts?

The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
15.9%
Expected annual growth in earnings.
Earnings growth vs Low Risk Savings
Is Boubyan Bank K.S.C.P expected to grow at an attractive rate?
  • Boubyan Bank K.S.C.P's earnings growth is expected to exceed the low risk savings rate of 8.6%.
Growth vs Market Checks
  • Boubyan Bank K.S.C.P's earnings growth is expected to exceed the Kuwait market average.
  • Boubyan Bank K.S.C.P's revenue growth is expected to exceed the Kuwait market average.
Annual Growth Rates Comparison
Raw Data
KWSE:BOUBYAN Future Growth Rates Data Sources
Data Point Source Value (per year)
KWSE:BOUBYAN Future Earnings Growth Rate Line of Best Fit* through Consensus Estimate Earnings of 5 Analysts 15.9%
KWSE:BOUBYAN Future Revenue Growth Rate Line of Best Fit* through Consensus Estimate Revenue of 5 Analysts 14.7%
Kuwait Banks Industry Earnings Growth Rate Market Cap Weighted Average 9.8%
Kuwait Banks Industry Revenue Growth Rate Market Cap Weighted Average 12.2%
Kuwait Market Earnings Growth Rate Market Cap Weighted Average 9.1%
Kuwait Market Revenue Growth Rate Market Cap Weighted Average 10.1%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
KWSE:BOUBYAN Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (3 months ago) See Below
Future Estimates Average of up to 5 Analyst Estimates (S&P Global) See Below
All numbers in KWD Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
KWSE:BOUBYAN Future Estimates Data
Date (Data in KWD Millions) Revenue Cash Flow Net Income * Avg. No. Analysts
2024-12-31 144
2023-12-31 242 123 2
2022-12-31 216 97 3
2021-12-31 188 84 5
2020-12-31 186 84 1
2020-04-09
KWSE:BOUBYAN Past Financials Data
Date (Data in KWD Millions) Revenue Cash Flow Net Income *
2019-12-31 127 -298 58
2019-09-30 124 -223 56
2019-06-30 120 -323 54
2019-03-31 119 -98 53
2018-12-31 117 -137 51
2018-09-30 114 -55 49
2018-06-30 111 -138 46
2018-03-31 108 -141 44
2017-12-31 104 -278 42
2017-09-30 98 -520 40
2017-06-30 94 -300 39
2017-03-31 91 -768 40

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • Boubyan Bank K.S.C.P's earnings are expected to grow by 15.9% yearly, however this is not considered high growth (20% yearly).
  • Boubyan Bank K.S.C.P's revenue is expected to grow by 14.7% yearly, however this is not considered high growth (20% yearly).
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
KWSE:BOUBYAN Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (3 months ago) See Below
Future Estimates Average of up to 5 Analyst Estimates (S&P Global) See Below

All data from Boubyan Bank K.S.C.P Company Filings, last reported 3 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

KWSE:BOUBYAN Future Estimates Data
Date (Data in KWD Millions) EPS * EPS High Estimate EPS Low Estimate Avg. No. Analysts
2024-12-31 0.04 0.04 0.04 1.00
2023-12-31 0.03 0.03 0.03 1.00
2022-12-31 0.03 0.03 0.03 2.00
2021-12-31 0.03 0.03 0.02 2.00
2020-12-31 0.02 0.03 0.02 2.00
2020-04-09
KWSE:BOUBYAN Past Financials Data
Date (Data in KWD Millions) EPS *
2019-12-31 0.02
2019-09-30 0.02
2019-06-30 0.02
2019-03-31 0.02
2018-12-31 0.02
2018-09-30 0.02
2018-06-30 0.02
2018-03-31 0.02
2017-12-31 0.02
2017-09-30 0.02
2017-06-30 0.01
2017-03-31 0.02

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • Boubyan Bank K.S.C.P is not expected to efficiently use shareholders’ funds in the future (Return on Equity less than 20%).
X
Future performance checks
We assess Boubyan Bank K.S.C.P's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the Kuwait market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the Kuwait market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
Boubyan Bank K.S.C.P has a total score of 3/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

BOUBYAN Past Performance

  How has Boubyan Bank K.S.C.P performed over the past 5 years?

The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare Boubyan Bank K.S.C.P's growth in the last year to its industry (Banks).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • Boubyan Bank K.S.C.P's year on year earnings growth rate has been positive over the past 5 years.
  • Boubyan Bank K.S.C.P's 1-year earnings growth is less than its 5-year average (12.8% vs 13%)
  • Boubyan Bank K.S.C.P's earnings growth has exceeded the KW Banks industry average in the past year (12.8% vs 8.2%).
Earnings and Revenue History
Boubyan Bank K.S.C.P's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from Boubyan Bank K.S.C.P Company Filings, last reported 3 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

KWSE:BOUBYAN Past Revenue, Cash Flow and Net Income Data
Date (Data in KWD Millions) Revenue Net Income * G+A Expenses R&D Expenses
2019-12-31 127.15 57.52 61.51
2019-09-30 124.09 55.90 59.75
2019-06-30 120.01 54.11 57.51
2019-03-31 119.12 53.06 57.82
2018-12-31 117.38 51.00 57.12
2018-09-30 114.28 48.76 56.78
2018-06-30 111.44 46.39 56.35
2018-03-31 107.59 44.39 54.52
2017-12-31 104.10 42.49 53.24
2017-09-30 98.32 40.37 49.91
2017-06-30 94.25 38.89 47.44
2017-03-31 90.75 40.06 45.42
2016-12-31 87.57 38.50 43.76
2016-09-30 83.00 39.70 41.84
2016-06-30 82.73 38.11 41.90
2016-03-31 80.32 36.96 40.69
2015-12-31 77.29 35.24 39.50
2015-09-30 72.57 33.13 38.75
2015-06-30 68.25 31.70 37.25
2015-03-31 65.49 29.93 36.37
2014-12-31 63.01 28.24 35.66
2014-09-30 60.74 24.35 34.23
2014-06-30 54.18 19.72 32.54
2014-03-31 49.25 16.00 31.49
2013-12-31 45.70 13.41 30.66
2013-09-30 47.46 11.75 30.28
2013-06-30 46.83 11.10 30.31

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • Boubyan Bank K.S.C.P has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
  • Boubyan Bank K.S.C.P used its assets more efficiently than the KW Banks industry average last year based on Return on Assets.
  • Unable to establish if Boubyan Bank K.S.C.P improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.
X
Past performance checks
We assess Boubyan Bank K.S.C.P's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Banks industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
Boubyan Bank K.S.C.P has a total score of 3/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

BOUBYAN Health

 How is Boubyan Bank K.S.C.P's financial position? (This company is analysed differently as a bank or financial institution)

This company is a bank or financial institution.

Fundamentally a bank's business is based upon borrowing and lending money, for this reason they typically have high levels of debt and we analyse them differently.
Net Worth
Balance sheet
This treemap shows a more detailed breakdown of Boubyan Bank K.S.C.P's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from Boubyan Bank K.S.C.P Company Filings, last reported 3 months ago.

KWSE:BOUBYAN Past Debt and Equity Data
Date (Data in KWD Millions) Total Equity Total Debt Cash & Short Term Investments
2019-12-31 653.18 236.48 1,373.43
2019-09-30 645.04 215.60 1,236.82
2019-06-30 626.61 128.22 1,101.33
2019-03-31 484.08 204.65 1,000.20
2018-12-31 485.96 97.22 948.42
2018-09-30 473.77 142.01 922.53
2018-06-30 455.43 120.34 883.03
2018-03-31 444.49 174.68 1,037.06
2017-12-31 452.36 67.47 876.88
2017-09-30 442.51 48.18 642.37
2017-06-30 430.34 94.53 627.39
2017-03-31 421.65 73.67 716.99
2016-12-31 423.15 76.28 678.10
2016-09-30 414.71 145.16 303.21
2016-06-30 404.24 185.04 170.59
2016-03-31 320.38 290.94 395.53
2015-12-31 320.80 382.75 698.72
2015-09-30 312.44 286.30 305.18
2015-06-30 306.18 284.67 351.63
2015-03-31 299.00 176.66 295.87
2014-12-31 301.10 226.74 327.56
2014-09-30 291.88 272.66 325.68
2014-06-30 283.67 286.42 355.64
2014-03-31 277.07 292.87 357.89
2013-12-31 269.49 236.02 210.81
2013-09-30 260.46 0.00 251.11
2013-06-30 263.30 0.00 215.41
BANK ANALYSIS

This company is a bank or financial institution, which is analysed accordingly below.

Below we check the amount of loans the bank has, how many of those are bad, and its ability to cover any bad loans.
  • Boubyan Bank K.S.C.P has an acceptable proportion of non-loan assets held.
  • Boubyan Bank K.S.C.P's liabilities are made up of primarily low risk sources of funding.
  • Loans at Boubyan Bank K.S.C.P are broadly funded by customer deposits.
  • Boubyan Bank K.S.C.P's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).
  • Boubyan Bank K.S.C.P has a sufficient allowance for bad loans.
  • Boubyan Bank K.S.C.P has an acceptable level of bad loans (less than 2%).
X
Financial health checks
We assess Boubyan Bank K.S.C.P's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. Boubyan Bank K.S.C.P has a total score of 6/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

BOUBYAN Dividends

 What is Boubyan Bank K.S.C.P's current dividend yield, its reliability and sustainability?

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
1.83%
Current annual income from Boubyan Bank K.S.C.P dividends. Estimated to be 2.1% next year.
If you bought KWD2,000 of Boubyan Bank K.S.C.P shares you are expected to receive KWD37 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • Boubyan Bank K.S.C.P's pays a lower dividend yield than the bottom 25% of dividend payers in Kuwait (5.53%).
  • Boubyan Bank K.S.C.P's dividend is below the markets top 25% of dividend payers in Kuwait (9.45%).
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
KWSE:BOUBYAN Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 5 Analyst Estimates (S&P Global) See Below
Kuwait Banks Industry Average Dividend Yield Market Cap Weighted Average of 9 Stocks 4%
Kuwait Market Average Dividend Yield Market Cap Weighted Average of 72 Stocks 5%
Kuwait Minimum Threshold Dividend Yield 10th Percentile 3.3%
Kuwait Bottom 25% Dividend Yield 25th Percentile 5.5%
Kuwait Top 25% Dividend Yield 75th Percentile 9.4%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

KWSE:BOUBYAN Future Dividends Estimate Data
Date (Data in KWD) Dividend per Share (annual) Avg. No. Analysts
2024-12-31 0.01 1.00
2023-12-31 0.01 2.00
2022-12-31 0.01 3.00
2021-12-31 0.01 5.00
2020-12-31 0.01 5.00
2020-04-09
KWSE:BOUBYAN Past Annualized Dividends Data
Date (Data in KWD) Dividend per share (annual) Avg. Yield (%)
2020-01-22 0.009 1.627
2019-01-23 0.007 1.336
2019-01-15 0.007 1.386
2018-01-30 0.006 1.302
2018-01-15 0.006 1.513
2017-03-15 0.005 1.342
2016-02-02 0.004 1.202
2015-01-06 0.004 1.111

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Boubyan Bank K.S.C.P is not paying a notable dividend for Kuwait, therefore no need to check if the payments are stable.
  • Boubyan Bank K.S.C.P is not paying a notable dividend for Kuwait, therefore no need to check if the payments are increasing.
Current Payout to shareholders
What portion of Boubyan Bank K.S.C.P's earnings are paid to the shareholders as a dividend.
  • No need to calculate the sustainability of Boubyan Bank K.S.C.P's dividends as it is not paying a notable one for Kuwait.
Future Payout to shareholders
  • No need to calculate the sustainability of Boubyan Bank K.S.C.P's dividends in 3 years as they are not expected to pay a notable one for Kuwait.
X
Income/ dividend checks
We assess Boubyan Bank K.S.C.P's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 3.3%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can Boubyan Bank K.S.C.P afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. Boubyan Bank K.S.C.P has a total score of 0/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

BOUBYAN Management

 What is the CEO of Boubyan Bank K.S.C.P's salary, the management and board of directors tenure and is there insider trading?

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
Adel Abdul Jassim Al Majed
AGE 61
TENURE AS CEO 10.3 years
CEO Bio

Mr. Adel Abdul Wahab Al-Majed has been the Chief Executive Officer of Boubyan Bank K.S.C.P. since 2010. Mr. Al-Majed served as Deputy Chief Executive Officer and Group General Manager of Consumer Banking of National Bank of Kuwait S.A.K.P., where he worked from 1980 to 2009. He has over 30 years of experience in banking. He has played a key role in the development of the Kuwait banking sector including regulation, shared enterprises (Credit Bureau and K-Net Shared Switch) and Islamic Banking. He served as a Managing Director of Boubyan Bank K.S.C.P. He has been Non-Executive Chairman of BLME Holdings plc since April 26, 2013. He serves as Chairman of the Board of Bank of London and The Middle East plc (BLME). He served as Chairman of the Board at United Capital Bank. He served as Chairman of Boubyan Bank K.S.C.P. He serves as a Vice Chairman of Boubyan Bank K.S.C.P. He has been a Non-Executive Director of BLME Holdings plc since April 26, 2013. He serves as Director of Watani Investment Company KSCC. He has been Non-Executive Director at Bank of London and The Middle East plc. since December 6, 2012. He has been a Director of Boubyan Bank K.S.C.P. since 2010. He serves as a Director of Visa APCEMEA–Senior Client Council. Mr. Al-Majed graduated from the University of Alexandria with a bachelor’s degree in accounting and attended various management training programs at various universities, including Harvard, Wharton and Stanford.

CEO Compensation
  • Insufficient data for Adel Abdul to compare compensation growth.
  • Insufficient data for Adel Abdul to establish whether their remuneration is reasonable compared to companies of similar size in .
Management Team Tenure

Average tenure of the Boubyan Bank K.S.C.P management team in years:

1.3
Average Tenure
  • The average tenure for the Boubyan Bank K.S.C.P management team is less than 2 years, this suggests a new team.
Management Team

Adel Abdul Jassim Al Majed

TITLE
Vice Chairman & CEO
AGE
61
TENURE
10.3 yrs

Mohamed Ismail

TITLE
General Manager of Financial Control Group

Abdullah Al-Mehri

TITLE
Chief Operations Officer
TENURE
1.3 yrs

Waleed Al-Yaqout

TITLE
Group General Manager of Administration Group

Adel Al-Hammad

TITLE
General Manager of Human Resources Group

Abdulla Al-Tuwaijri

TITLE
Deputy Chief Executive Officer

Abdul-Salam Mohammed Al-Saleh

TITLE
Deputy Chief Executive Officer
AGE
53

Majed Fanous

TITLE
Chief Risk Officer

Adel Al-Mutairi

TITLE
Treasurer
TENURE
1.3 yrs
Board of Directors Tenure

Average tenure of the Boubyan Bank K.S.C.P board of directors in years:

5.4
Average Tenure
  • The tenure for the Boubyan Bank K.S.C.P board of directors is about average.
Board of Directors

Mahmoud Al-Fulaij

TITLE
Chairman of the Board
TENURE
7.1 yrs

Adel Abdul Jassim Al Majed

TITLE
Vice Chairman & CEO
AGE
61

Abdulaziz Al-Qasar

TITLE
Chairman of Shariah Committee

Hazem Al-Mutairi

TITLE
Non-Executive Director
TENURE
10.3 yrs

Abdulaziz Abdullah Al-Shaya

TITLE
Non-Executive Director
TENURE
11.3 yrs

Waleed Al-Hamad

TITLE
Non-Executive Director
TENURE
10.3 yrs

Adnan Al-Othman

TITLE
Non-Executive Director
TENURE
3.8 yrs

Mohamed Al-Saqer

TITLE
Non-Executive Director
TENURE
1.3 yrs

Waleed Al-Asfour

TITLE
Non-Executive Director
TENURE
1.3 yrs

Waleed Al-Houti

TITLE
Non-Executive Director
TENURE
1.3 yrs
Who owns this company?
Recent Insider Trading
  • No 3 month open market individual insider trading information.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price (KWD) Value (KWD)
X
Management checks
We assess Boubyan Bank K.S.C.P's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. Boubyan Bank K.S.C.P has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

BOUBYAN News

Simply Wall St News

BOUBYAN Company Info

Description

Boubyan Bank K.S.C.P., together with its subsidiaries, provides various banking products and services in the Middle East, North Africa, North America, Europe, Asia, and internationally. The company operates in four segments: Consumer Banking, Corporate Banking, Investment Banking, and Treasury. The Consumer Banking segment offers a range of products and services, including consumer finance, credit cards, deposits, and other branch related services to individuals and institutional customers. The Corporate Banking segment provides Murabaha, Ijarah, trade service, and other related services to business and corporate customers. The Investment Banking segment handles direct investments, investment in associates, local and international real estate investment, and asset management activities. The Treasury segment handles local and international Murabaha and other Islamic financing, primarily with banks, as well as manages its funding operations. The company also offers Takaful insurance products. It operates through a network of 43 branches. The company was founded in 2004 and is based in Safat, Kuwait. Boubyan Bank K.S.C.P. is a subsidiary of National Bank of Kuwait S.A.K.P.

Details
Name: Boubyan Bank K.S.C.P.
BOUBYAN
Exchange: KWSE
Founded: 2004
KWD1,423,129,809
3,027,935,765
Website: http://boubyan.bankboubyan.com
Address: Boubyan Bank K.S.C.P.
PO Box 25507,
Safat,
13116,
Kuwait
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
KWSE BOUBYAN Ordinary Shares Kuwait Stock Exchange KW KWD 23. May 2006
Number of employees
Current staff
Staff numbers
1,728
Boubyan Bank K.S.C.P employees.
Industry
Diversified Banks
Banks
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2020/04/09 19:21
End of day share price update: 2020/04/09 00:00
Last estimates confirmation: 2020/03/08
Last earnings filing: 2020/01/22
Last earnings reported: 2019/12/31
Last annual earnings reported: 2019/12/31


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.