Riyad Bank (1010) fair value: what the stock is really worth
As of Nov 12, 2026: fair value (intrinsic value) of Riyad Bank stock SAR 27.99, price SAR 20.39, upside +37.3%, quality 45 out of 100. Rating: undervalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
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Riyad Bank
1010 · SRCheap (27% below fair value) and rising price, but weak company: meets 2 of 3 rules.
Main risks:
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 11, 2026.
How to read this chart
60‑month range 15.53 SAR – 25.36 SAR · fair‑value band 18.66 SAR – 37.82 SAR · the 20.39 SAR price screens below the 27.99 SAR fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 11, 2026.
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Company profile
Riyad Bank provides banking and investment services in the Kingdom of Saudi Arabia. It operates through the Retail Banking, Investment Banking and Brokerage, Corporate Banking, and Treasury and Investments segments.
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The Retail Banking segment offers deposits, credit, and investment products for individuals. Its Investment Banking and Brokerage segment provides investment management services, as well as asset management services related to dealing, managing, arranging, advising, and custody of securities.
The Corporate Banking segment offers current accounts, deposits, loans, overdrafts, and other credit facilities for small to medium sized businesses.
Its Treasury and Investments segment provides money market, trading, and treasury and derivative products and services, as well as manages investment portfolios.
The company also offers credit cards; trade finance, payroll solution, point of sale; and cash deposit card; student account; time deposit; sweeping; personal, auto-lease, readymade and incomplete property, home equity, self-employed, and mortgage loans; working capital, contract, capital expenditure, and project financing; syndicated loan; Islamic banking products and services; foreign exchange products; and digital banking services.
In addition, it owns, buys, and sells real estate; and acts as an agent for insurance products, as well as engages in systems analysis, application, operating systems development, hosting websites, financial technology solutions, and related activities.
The company operates through a network of branches in the Kingdom of Saudi Arabia, the United Kingdom, the United States; and a representative office in Singapore and ATMs. Riyad Bank was incorporated in 1957 and is based in Riyadh, the Kingdom of Saudi Arabia.
Stock analysis
Riyad Bank (1010) currently trades at 20.39 SAR, while our model-based Fair Value estimate is 27.99 SAR, implying the stock looks roughly 27% undervalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of 30.26 SAR per share, and 5 of the 6 models we run sit above the 20.39 SAR price.
Bear case: the Asset-Based group reads lowest at 12.70 SAR, and 1 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: 18.66 SAR (bear) to 37.82 SAR (bull), the price of 20.39 SAR sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 45/100 (below-average quality), in the Financial Services sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Riyad Bank reported revenue of 18.4B SAR in FY2025 versus 11.6B SAR in FY2021, a compound +12.2%/yr. Reported net income was 10.4B SAR in FY2025, compounding +14.7%/yr from FY2021.
Key figures
Market cap 81.2B SAR (≈ $21.6B) Large · P/E ratio 7.7 · P/S ratio 4.62 · EPS (TTM) 2.66 SAR · Dividend yield 5.2% · Net margin 61.2% · Return on equity 13.3% · Return on assets (EBIT) 2.3% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 69 out of 100 (low confidence).
What moves the price
The share trades about 6% below its 52-week high and 12% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −31% fair-value upside, at 37%, 1010 screens cheaper than that median.
Fair Value models
All 6 models by family
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Revenue & earnings trend
Watch 1010, get fair value alerts →
Compare Riyad Bank with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 999 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Price/FCF by industry
- Debt-to-equity by industry
- PEG screener for stocks with fair value
- Valuation of the Saudi Arabia market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value | Compare |
|---|---|---|---|---|
| Postal Savings Bank of China Co 601658 | ¥5.69 | ¥7.59 | +33% | vs 1010 |
| China Merchants Bank Co 600036 | ¥42.93 | ¥52.73 | +23% | vs 1010 |
| BNP Paribas SA BNP | €95.57 | €107.43 | +12% | vs 1010 |
| Intesa Sanpaolo S.p.A ISP | €6.26 | €4.91 | −22% | vs 1010 |
| UniCredit S.p.A UCG | €83.68 | €58.08 | −31% | vs 1010 |
| Oversea-Chinese Banking Corporation O39 | 28.53 SGD | 18.20 SGD | −36% | vs 1010 |
| DBS Group D05 | 69.90 SGD | 40.39 SGD | −42% | vs 1010 |
| Mizuho Financial Group MFG | $10.34 | $5.84 | −44% | vs 1010 |
| HDFC Bank Limited HDFCBANK | ₹804.00 | ₹406.39 | −49% | vs 1010 |
| ICICI Bank Limited ICICIBANK | ₹1,584 | ₹615.63 | −61% | vs 1010 |
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Key figures of Riyad Bank
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