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National Bank of Kuwait S.A.K.P.

NBK.KW
60
Banks · Financial Services
Price
869.00 KWF
+21.00 (+2.48%)
Market Cap
7.98B KWF
Exchange
Kuwait Stock Exchange
Winston Score
60
Winston is curious
A decent business — some strong pillars, some weaker.
Data as of Sep 23, 2026 · filings through Jun 30, 2026

§How the score breaks down

Growth
Good
Valuation
Good
Dividends
Exceptional
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§Winston Score History

The full picture

National Bank of Kuwait S.A.K.P., together with its subsidiaries, provides financial and investment services and solutions to individual, corporate, and institutional clients in Kuwait, the Middle East, North Africa, Europe, the United Kingdom, and internationally. It operates through six segments: Consumer Banking, Corporate Banking, NBK Wealth, Islamic Banking, Group Center, and International Banking. The company offers consumer loans, credit cards, trade finance, deposits, foreign exchange and advisory, and other related services. It also provides a full range of asset management, custody, brokerage, lending, and other customized and banking services to high-net-worth individuals and institutional clients. In addition, the company offers Islamic banking products and services; investment products; and treasury services and products. National Bank of Kuwait S.A.K.P. was incorporated in 1952 and is headquartered in Kuwait City, Kuwait.

Growth Profile

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+2.0% YoY

YoY Growth Rate

Slow revenue growth

EPS Growth

+9.4% YoY

YoY Growth Rate

Slow EPS growth

R&D Spend

0 KWD/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Cash Position

Cash flow positive

33.6B KWD cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

Company generates more cash than it spends — no dilution risk from fundraising

Growth context

National Bank of Kuwait S.A.K.P. is growing revenue at 2% year-over-year. The Winston Score measures business quality today — these growth metrics show what could matter tomorrow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Share count broadly stable

+0.0% over 4y

The share count has stayed roughly flat over this period — little dilution or buyback activity.

Diluted shares outstanding: 9.18B (2021) → 9.18B (2025)

Score breakdown

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Bank Quality

Not applicable for this business.

Growth

Sales growth
Sales YoY
+2.5%
Nearly flat sales (+2.5% YoY)
Profit growth
EPS YoY
+35.0%
Earnings growing fast (+35.0% YoY)

Earnings growing 25%+ a year. The compounder zone.

How steady the profit is
EPS Consistency
5/8 quarters
Mixed — about half the quarters showed growth

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Capital Strength

Not applicable for this business.

Asset Quality

Not applicable for this business.

Valuation

Price vs profit
P/E Ratio (TTM)
9.7x
Attractive valuation — P/E 9.7

P/E under 10. The price tag is small relative to last year's profit.

Cheaper or dearer next year
P/E vs Forward
-3.8
SLOWING
Earnings expected to fall — forward P/E higher than today

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Dividends

Dividend
Dividend Yield
8.06%
Healthy income — 8.06% yield

Yield above 6% — often a flag the market is pricing in a cut.

Dividend record
Dividend Growth
+46.8%
Dividend growing fast (46.8% YoY)

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