Banque Saudi Fransi (1050) fair value: what the stock is really worth
As of Nov 12, 2026: fair value (intrinsic value) of Banque Saudi Fransi stock SAR 23.06, price SAR 20.19, upside +14.2%, quality 36 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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Banque Saudi Fransi
1050 · SRRising price, but only slightly cheap (12% below fair value) and weak company: meets 1 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 9.88 SAR – 21.98 SAR · fair‑value band 18.59 SAR – 35.53 SAR · the 20.19 SAR price screens below the 23.06 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
Banque Saudi Fransi provides banking and financial services for individuals and businesses in the Kingdom of Saudi Arabia and internationally. The company operates through Retail Banking, Corporate Banking, Treasury, and Investment Banking and Brokerage segments.
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It offers savings, current, and term deposit accounts; and mada Pay and Apple Pay products.
The company provides home and personal finance; insurance products, such as education, retirement, travel, and car protection; debit and credit cards; local and international guarantees, letters of guarantee and credit, and compliance and regulatory matters; account management, investment, commercial banking, and Islamic products, such as Tawarruq; and working capital, contract, structured, and trade and supply chain solutions.
In addition, it offers liquidity and cash management solutions, which include payroll, escrow account, fund collection, point of sale (PoS), business to business, dividends management, e-payment gateway, swift MACUG, VERSE, soft PoS, and payroll and prepaid card service; and foreign exchange, commodities, equities, interest rate and hybrid derivatives, and other trading operations.
Further, the company provides private banking services; investment advisory services, such as asset management, securities brokerage, and global investment solutions; mutual funds, margin lending, discretionary portfolio, and conventional and Islamic bonds, as well as alternative assets consisting of private equity and real estate; and corporate finance, overdrafts, consumer loans, investment securities, and money market.
The company was founded in 1977 and is headquartered in Riyadh, the Kingdom of Saudi Arabia.
Stock analysis
Banque Saudi Fransi (1050) currently trades at 20.19 SAR, while our model-based Fair Value estimate is 23.06 SAR, implying the stock looks roughly 12% undervalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of 28.42 SAR per share, and 4 of the 6 models we run sit above the 20.19 SAR price.
Bear case: the Asset-Based group reads lowest at 13.73 SAR, and 2 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: 18.59 SAR (bear) to 35.53 SAR (bull), the price of 20.19 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 36/100 (below-average quality), in the Financial Services sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Banque Saudi Fransi reported revenue of 20.1B SAR in FY2025 versus 7.2B SAR in FY2021, a compound +29.0%/yr. Reported net income was 5.4B SAR in FY2025, compounding +11.6%/yr from FY2021.
Key figures
Market cap 50.0B SAR (≈ $13.3B) Large · P/E ratio 9.8 · P/S ratio 4.99 · EPS (TTM) 2.06 SAR · Dividend yield 5.4% · Net margin 56.3% · Return on equity 11.0% · Return on assets (EBIT) 1.9% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 64 out of 100 (medium confidence).
What moves the price
The share trades about 8% below its 52-week high and 32% 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 14%, 1050 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
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Compare Banque Saudi Fransi 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)
- P/S ratio by industry
- EBIT margin by industry
- Stock screener with 62 metrics
- 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 1050 |
| China Merchants Bank Co 600036 | ¥42.93 | ¥52.73 | +23% | vs 1050 |
| BNP Paribas SA BNP | €95.57 | €107.43 | +12% | vs 1050 |
| Intesa Sanpaolo S.p.A ISP | €6.26 | €4.91 | −22% | vs 1050 |
| UniCredit S.p.A UCG | €83.68 | €58.08 | −31% | vs 1050 |
| Oversea-Chinese Banking Corporation O39 | 28.53 SGD | 18.20 SGD | −36% | vs 1050 |
| DBS Group D05 | 69.90 SGD | 40.39 SGD | −42% | vs 1050 |
| Mizuho Financial Group MFG | $10.34 | $5.84 | −44% | vs 1050 |
| HDFC Bank Limited HDFCBANK | ₹804.00 | ₹406.39 | −49% | vs 1050 |
| ICICI Bank Limited ICICIBANK | ₹1,584 | ₹615.63 | −61% | vs 1050 |
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