Arab National Bank (1080) fair value: what the stock is really worth
As of Nov 12, 2026: fair value (intrinsic value) of Arab National Bank stock SAR 26.34, price SAR 21.32, upside +23.5%, quality 40 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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Arab National Bank
1080 · SRRising price, but only slightly cheap (19% 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 9.76 SAR – 24.45 SAR · fair‑value band 22.54 SAR – 42.75 SAR · the 21.32 SAR price screens below the 26.34 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
Arab National Bank provides various banking products and services in the Kingdom of Saudi Arabia, Other GCC and the Middle East, Europe, North America, Latin America, Southeast Asia, and internationally.
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It operates through Retail Banking, Corporate Banking, Treasury, and Investment and Brokerage Services segments.
The company offers savings, Murabaha, and SME accounts; time deposits; personal, auto lease, and real estate loans; credit and debit cards; digital wallets; and investment products for individuals.
It also provides loans and advances, deposits, and other credit products for corporate and institutional customers, and small and medium sized businesses; and investment management services, as well as asset management services related to dealing, managing, arranging, advising, and custody of securities.
In addition, the company offers corporate and commercial banking, project and structured finance, and vision realization solutions; treasury services, such as market related products and services, international instruments, investments, government bonds and sukuk, and e-trader solutions; and transaction banking solutions comprising corporate online access, merchant solutions, collections solutions, liquidity management solutions, specialized market solutions, fintech and open banking solutions, financial solutions, guaranteed bonds, and collection documentary bills.
Further, it engages in leasing of heavy equipment; and investment, purchasing, sale, and leasing of land and real estate properties, as well as provides trading and supply chain finance. Arab National Bank was founded in 1979 and is headquartered in Riyadh, the Kingdom of Saudi Arabia.
Stock analysis
Arab National Bank (1080) currently trades at 21.32 SAR, while our model-based Fair Value estimate is 26.34 SAR, implying the stock looks roughly 19% undervalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of 34.21 SAR per share, and 4 of the 6 models we run sit above the 21.32 SAR price.
Bear case: the Asset-Based group reads lowest at 16.70 SAR, and 2 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: 22.54 SAR (bear) to 42.75 SAR (bull), the price of 21.32 SAR sits below 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 40/100 (below-average quality), in the Financial Services sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Arab National Bank reported revenue of 9.9B SAR in FY2025 versus 5.8B SAR in FY2021, a compound +14.4%/yr. Reported net income was 5.1B SAR in FY2025, compounding +23.8%/yr from FY2021.
Key figures
Market cap 42.5B SAR (≈ $11.3B) Large · P/E ratio 8.8 · P/S ratio 4.39 · EPS (TTM) 2.41 SAR · Dividend yield 6.1% · Net margin 54.5% · Return on equity 10.4% · Return on assets (EBIT) 1.9% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 65 out of 100 (medium confidence).
What moves the price
The share trades about 9% below its 52-week high and 10% 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 24%, 1080 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 1080, get fair value alerts →
Compare Arab National 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)
- PEG ratio by industry
- Revenue growth 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 1080 |
| China Merchants Bank Co 600036 | ¥42.93 | ¥52.73 | +23% | vs 1080 |
| BNP Paribas SA BNP | €95.57 | €107.43 | +12% | vs 1080 |
| Intesa Sanpaolo S.p.A ISP | €6.26 | €4.91 | −22% | vs 1080 |
| UniCredit S.p.A UCG | €83.68 | €58.08 | −31% | vs 1080 |
| Oversea-Chinese Banking Corporation O39 | 28.53 SGD | 18.20 SGD | −36% | vs 1080 |
| DBS Group D05 | 69.90 SGD | 40.39 SGD | −42% | vs 1080 |
| Mizuho Financial Group MFG | $10.34 | $5.84 | −44% | vs 1080 |
| HDFC Bank Limited HDFCBANK | ₹804.00 | ₹406.39 | −49% | vs 1080 |
| ICICI Bank Limited ICICIBANK | ₹1,584 | ₹615.63 | −61% | vs 1080 |
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Frequently asked questions
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Key figures of Arab National Bank
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