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Bank AlJazira (1020) fair value: what the stock is really worth

As of Nov 12, 2026: fair value (intrinsic value) of Bank AlJazira stock SAR 11.51, price SAR 11.02, upside +4.4%, quality 55 out of 100. Rating: fairly valued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services SA · ISIN SA0007879055

BA Bank AlJazira logo Broad data Nov 10, 2026

Bank AlJazira

1020 · SR

Solid company, but the stock is already about fairly priced and price moving sideways: meets 1 of 3 rules.

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Healthy Growth (revenue 5y +26.2 %/yr in SAR) 
Highly profitable · 38.0% net margin (TTM) 
4.5% dividend yield · Low payout
Ranks above peers (12/14) 
Broad data 
Fair value 11.51 SAR · Fairly valued 
Quality 55/100 
Price moving sideways (no uptrend) 
Moderate moat 64/100 · thin data
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

19.23 SAR 6.52 SAR Fair Value 11.51 SAR Jun 2020 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 10, 2026.

How to read this chart

60‑month range 6.52 SAR – 19.23 SAR · fair‑value band 10.31 SAR – 15.66 SAR · the 11.02 SAR price screens below the 11.51 SAR fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 10, 2026.

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Company profile

AlJazira Bank provides a range of Shari'ah compliant banking products and services in the Kingdom of Saudi Arabia. The company operates through Personal Banking, Corporate Banking, Treasury, Brokerage and Asset Management, and Others segments.

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It offers saving, current, and commodity investment accounts; credit card; real estate, personal, and auto lease finance; money transfer; e-statement; and digital banking through app and online, ATM, and phone, as well as retirement, education, medical, travel, and motor insurance products.

The company also provides direct finance, short-term loans, capital expenditure finance, finance of projects, letters of credit, syndication finance, export letter of financing, dentists and dental clinic, POS, post shipment financing, and secure lending; corporate online, corporate payroll, swift, B2B integration, point of sale merchant, and e-commerce services.

In addition, it offers treasury services, including naqa'a and thrift saving programs, foreign exchange, FX forward, money market, structured products, and hedging solutions; private banking, wealth management, premium services, as well as custodial services, including settlement and clearing of securities and cash, safekeeping of securities and associated cash, reporting, asset servicing, and cash management.

Further, the company provides brokerage services, such as local brokerage, GCC brokerage, international brokerage, wealth management, margin finance, sukuk; asset management services through public mutual funds, discretionary portfolio management services, non-discretionary management agreement, systematic investment plan, and investment risk; and investment banking through initial public offering, right issues, debt capital market services, mergers and acquisitions, and private placement.

The company was incorporated in 1975 and is headquartered in Jeddah, the Kingdom of Saudi Arabia.

Stock analysis

Bank AlJazira (1020) currently trades at 11.02 SAR, while our model-based Fair Value estimate is 11.51 SAR, so the stock looks roughly fairly valued today (gap 4.2%).

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Valuation

Bull case: the Multiples group reads highest at a median of 15.69 SAR per share, and 3 of the 6 models we run sit above the 11.02 SAR price.

Bear case: the Asset-Based group reads lowest at 7.67 SAR, and 3 of the 6 models stay below the price. Data coverage for this calculation is high.

Scenario range: 10.31 SAR (bear) to 15.66 SAR (bull), the price of 11.02 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 55/100 (solid quality), in the Financial Services sector.

Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.

Bank AlJazira reported revenue of 10.5B SAR in FY2025 versus 3.5B SAR in FY2021, a compound +31.1%/yr. Reported net income was 1.5B SAR in FY2025, compounding +10.6%/yr from FY2021.

Key figures

Market cap 14.1B SAR (≈ $3.7B) Mid · P/E ratio 11.2 · P/S ratio 1.61 · EPS (TTM) 0.9800 SAR · Dividend yield 4.5% · Net margin 14.4% · Return on equity 7.5% · Return on assets (EBIT) 1.0% (5-year average).

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 64 out of 100 (low confidence).

What moves the price

The share trades about 12% below its 52-week high and 8% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −31% fair-value upside, at 4%, 1020 screens cheaper than that median.

Fair Value models

Bear 10.31 SAR Fair Value 11.51 SAR Bull 15.66 SAR
Price 11.02 SAR · Upside +4.4%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then (0.4195 SAR per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income 10.31 SAR 11.51 SAR 15.66 SAR 76
Gordon GGM 4.26 SAR 8.87 SAR 14.07 SAR 66
DDM Multi-Stage 4.26 SAR 7.47 SAR 9.31 SAR 66
All 6 models by family
Dividend Discount
Gordon GGM 4.26 SAR 8.87 SAR 14.07 SAR 66
DDM Multi-Stage 4.26 SAR 7.47 SAR 9.31 SAR 66
Multiples
P/E Multiple 11.51 SAR 15.34 SAR 19.18 SAR 63
P/B Multiple 12.03 SAR 16.03 SAR 20.04 SAR 55
Asset-Based
NCAV (Graham) 5.73 SAR 7.67 SAR 11.45 SAR 54
Economic Profit
Residual Income 10.31 SAR 11.51 SAR 15.66 SAR 76

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Quality Score breakdown

Overall quality 55/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 27
How much profit the company makes from its sales and capital
Quality Growth 44
Are margins and returns getting better?
Cashflow 78
Do the profits arrive as real cash?
Financial strength 14
Debt, balance sheet and risk of trouble
Investment 71
Does it invest with discipline instead of growing at any price?
Low Volatility 95
How calm the share price moves, does not count
Price momentum 32
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 29
Distance to the 52-week high, does not count
New shares 84
Buys back shares or issues new ones?

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Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 95/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+177.6%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+45.2%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+26.2%
Start year 2020 (pandemic). Over 10 years: +13.6% a year
Revenue growth 19 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+7.6%
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+13.3%
Earnings growth per share plus dividend.
Earnings per share, growth per year+8.8%
Dividend (yield on the price)4.5%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.8.8% vs 1.0%, picking up
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.1% → 17%
Pace: the 5-year rate starts in 2020 (pandemic)

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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

Beats the industry median on 12/14 measures
Overall it ranks above its industry peers.
Valuation
Quality Score 55 · Above median
Fair Value upside +4.4% · Above median
Profitability
Return on equity (12 months) 7.5% · Below median
Return on assets 0.9% · Below median
Net margin (12 months) 38.0% · Above median
Operating margin (12 months) 45.2% · Above median
Growth and dividend
Revenue growth (quarter YoY) 9.8% · Above median
Dividend yield (12 months) 4.5% · Top 25%
Balance sheet
Debt / equity 0.13× · Below median

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 11.2× · Cheaper than median
P/B 0.94× · Cheaper than median
P/S (12 months) 3.18× · Cheaper than median
Price / free cash flow (fiscal year) 7.1× · Cheaper than median
EV/EBITDA 4.7× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)39 · sector 8
FUTURE (revenue growth)49 · sector 47
PAST (return on equity)30 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)91 · sector 52

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

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

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 1020
China Merchants Bank Co 600036 ¥42.93 ¥52.73 +23% vs 1020
BNP Paribas SA BNP €95.57 €107.43 +12% vs 1020
Intesa Sanpaolo S.p.A ISP €6.26 €4.91 −22% vs 1020
UniCredit S.p.A UCG €83.68 €58.08 −31% vs 1020
Oversea-Chinese Banking Corporation O39 28.53 SGD 18.20 SGD −36% vs 1020
DBS Group D05 69.90 SGD 40.39 SGD −42% vs 1020
Mizuho Financial Group MFG $10.34 $5.84 −44% vs 1020
HDFC Bank Limited HDFCBANK ₹804.00 ₹406.39 −49% vs 1020
ICICI Bank Limited ICICIBANK ₹1,584 ₹615.63 −61% vs 1020

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Cite: Fair Value Calculator (2026). "Bank AlJazira Fair Value". https://www.fairvalue-calculator.com/stock/1020

Frequently asked questions

Is Bank AlJazira (1020) overvalued or undervalued?
As of Nov 10, 2026, our model estimates a fair value of 11.51 SAR versus a price of 11.02 SAR, about +4% upside (fairly valued).
What is the fair value of 1020?
Our model-based fair value for Bank AlJazira is 11.51 SAR (as of Nov 10, 2026), built from audited fundamentals. The current price: 11.02 SAR.
What is the quality score of 1020?
Bank AlJazira has a Quality Score of 55/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Bank AlJazira (1020)?
Our model-based price target is the fair value of 11.51 SAR (as of Nov 10, 2026) from 6 valuation models. Cautious scenario 10.31 SAR, optimistic scenario 15.66 SAR. It is a calculation from audited fundamentals, not an analyst target.
What is the Bank AlJazira stock forecast for 2026?
Our models put fair value at 11.51 SAR, about +4% upside versus a price of 11.02 SAR (fairly valued). Cautious scenario 10.31 SAR, optimistic scenario 15.66 SAR. The calculation is refreshed regularly with new filings.
What is the revenue of Bank AlJazira (1020)?
Bank AlJazira reported trailing-twelve-month revenue of about 4.4B SAR (latest available figure, as of Nov 10, 2026).
Does Bank AlJazira pay a dividend?
Bank AlJazira currently shows a dividend yield of 4.54% relative to its recent price (as of Nov 10, 2026).
How much is the dividend of Bank AlJazira (1020) and when is the ex-dividend date?
Bank AlJazira pays a dividend of 0.5 SAR per share a year, a dividend yield of 4.5%. The last ex-dividend date was Feb 9, 2026. The payout ratio is 51.0% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.
What is the intrinsic value of Bank AlJazira (1020)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Bank AlJazira it is 11.51 SAR per share (as of Nov 10, 2026), against a price of 11.02 SAR. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Bank AlJazira stock overvalued or undervalued in 2026?
As of Nov 10, 2026, 1020 trades below its calculated fair value: price 11.02 SAR, fair value 11.51 SAR, a gap of about +4% (fairly valued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of 1020?
No. The price is what the market pays today (11.02 SAR); the fair value is what the company's own numbers justify (11.51 SAR). For Bank AlJazira the two are 0.4900 SAR per share apart. That gap is exactly why we show both numbers side by side.
How much is Bank AlJazira worth?
The market values Bank AlJazira at about 14.1B SAR (market capitalisation, as of Nov 10, 2026). Per share that is 11.02 SAR; our models calculate a fair value of 11.51 SAR per share.
What do the bullish and bearish scenarios say about 1020?
Our models span a range for Bank AlJazira: cautious scenario 10.31 SAR, base 11.51 SAR, optimistic 15.66 SAR per share (as of Nov 10, 2026, price 11.02 SAR). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 1020?
Bank AlJazira trades at a price-to-earnings ratio of 11.2 (as of Nov 10, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 11.51 SAR is built from several models across several years. Other multiples: P/B 0.9, P/S 3.2, EV/EBITDA 4.7.
How solid is the balance sheet of Bank AlJazira (1020)?
Balance-sheet figures for Bank AlJazira (as of Nov 10, 2026): return on equity 7.5%, debt of 0.13 per unit of equity. They feed the Quality Score of 55/100, which measures business quality independently of the share price.
How far is 1020 from its 52-week high?
Bank AlJazira trades at 11.02 SAR, about 12% below its 52-week high of 12.51 SAR and 8% above the low of 10.18 SAR (as of Nov 12, 2026). Distance from the high says nothing about value: that is what the fair value of 11.51 SAR is for.
Which stocks are comparable to Bank AlJazira?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Bank AlJazira stock attractive at the current price?
The data as of Nov 10, 2026: price 11.02 SAR, calculated fair value 11.51 SAR (+4%), Quality Score 55/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of 1020 calculated?
We run Bank AlJazira through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of 11.51 SAR builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.1% above its aggregate fair value. Bank AlJazira currently trades 4% below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Bank AlJazira (1020)?
The closing price on Nov 12, 2026 was 11.02 SAR. Our model-based fair value is 11.51 SAR, about +4% upside (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Bank AlJazira right now?
The price sits close to our fair value, market and models broadly agree here, little valuation tension. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of Bank AlJazira (1020) come from?
Earnings per share at Bank AlJazira fell 1.5 % a year from 2014 to 2025. Broken into its drivers: revenue per share +4.3 %, EBIT margin −4.0 %, tax rate −1.7 %, residual (interest, one-offs) +0.0 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.

Key figures of Bank AlJazira

How large is the market capitalisation of Bank AlJazira (1020)?
The market capitalisation of Bank AlJazira is 14.1B SAR (≈ $3.7B). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Bank AlJazira (1020)?
The price-to-sales ratio of Bank AlJazira is 1.61 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Bank AlJazira (1020)?
Earnings per share at Bank AlJazira are 0.9800 SAR (price ÷ EPS = P/E 11.2). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Bank AlJazira (1020)?
The dividend yield of Bank AlJazira is 4.5% (payout 51.0%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Bank AlJazira (1020)?
The net margin of Bank AlJazira is 14.4% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Bank AlJazira (1020)?
The return on equity (ROE) of Bank AlJazira is 7.5% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Bank AlJazira (1020)?
On an EBIT basis the return on assets of Bank AlJazira is 1.0% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Bank AlJazira (1020)?
The operating margin of Bank AlJazira is 45.2% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Bank AlJazira (1020)?
Revenue at Bank AlJazira is growing 9.8% versus a year earlier (3y avg +45.2%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Bank AlJazira (1020)?
Earnings per share at Bank AlJazira are down 10.6% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Bank AlJazira (1020) generate?
The free cash flow of Bank AlJazira is 2.0B SAR (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Bank AlJazira (1020) carry?
The net debt of Bank AlJazira is 25.9B SAR (fiscal year 2025, ≈ 13.1 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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