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Saudi National Bank (1180) fair value: what the stock is really worth

As of Nov 12, 2026: fair value (intrinsic value) of Saudi National Bank stock SAR 43.25, price SAR 39.00, upside +10.9%, quality 52 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 SA13L050IE10

SN Saudi National Bank logo Broad data Nov 11, 2026

Saudi National Bank

1180 · SR

Rising price, but the stock is already about fairly priced and company just short of the bar: meets 1 of 3 rules.

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Rising price (uptrend) 
Highly profitable · 65.3% net margin (TTM) 
5.9% dividend yield · Low payout
Ranks above peers (10/14) 
Broad data 
Costs just 9.4 times its yearly profit. 
Fair value 43.25 SAR · Fairly valued 
Quality 52/100 
Expensive Growth (revenue 5y +16.0 %/yr in SAR) 
Wide moat 71/100 · thin data

Main risks:

🚩Digital banks eroding retail deposits and loans
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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

48.87 SAR 25.46 SAR Fair Value 43.25 SAR Aug 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 11, 2026.

How to read this chart

60‑month range 25.46 SAR – 48.87 SAR · fair‑value band 32.50 SAR – 58.53 SAR · the 39.00 SAR price screens below the 43.25 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

The Saudi National Bank, through its subsidiaries, provides banking and investment management services in the Kingdom of Saudi Arabia and internationally.

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The company offers current, Al Wessam, gold, commercial enterprise, and corporate accounts; Shariah-compliant financing solutions, financial solutions to MSMEs, point-of-sale Merchant Financing, personal and lease finance, and residential finance; and corporate finance solutions, including Ijara, Musharaka financing, Project and Structured Finance, Syndications and Placements, and Tawarruq.

It also provides deposit, prepaid, and credit cards; cash management services, such as dividend distribution, payroll, escrow account management, deposit, and debit services; guarantees, fleet leasing, investment products, and digital banking; treasury services, such as foreign currency exchange, money markets, and shariah compliant products; payments and transfers; and trade finance, including documentary collection, export and import letter of credit, letter of guarantees, documentary collection, letter of credit program for Saudi industrial development fund clients.

In addition, it operates as a private equity fund; keeps and manages title deeds and collateralized real estate properties; trades in derivatives and repos/reverse repos activities; sells POS equipment and devices; manages liquidity, market, and credit risks; and provides recruitment services, safety deposit boxes, private banking services, wealth management, asset management, investment banking, and shares brokerage services, as well as correspondent banking products and services, including money market and foreign exchange.

The company was formerly known as The National Commercial Bank and changed its name to The Saudi National Bank in April 2021. The Saudi National Bank was founded in 1950 and is headquartered in Riyadh, the Kingdom of Saudi Arabia.

Stock analysis

Saudi National Bank (1180) currently trades at 39.00 SAR, while our model-based Fair Value estimate is 43.25 SAR, so the stock looks roughly fairly valued today (gap 9.8%).

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Valuation

Bull case: the Multiples group reads highest at a median of 46.83 SAR per share, and 3 of the 6 models we run sit above the 39.00 SAR price.

Bear case: the Asset-Based group reads lowest at 18.55 SAR, and 3 of the 6 models stay below the price. Data coverage for this calculation is high.

Scenario range: 32.50 SAR (bear) to 58.53 SAR (bull), the price of 39.00 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 52/100 (solid quality), in the Financial Services sector.

Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.

Saudi National Bank reported revenue of 46.1B SAR in FY2025 versus 29.4B SAR in FY2021, a compound +11.9%/yr. Reported net income was 25.1B SAR in FY2025, compounding +18.6%/yr from FY2021.

Key figures

Market cap 232B SAR (≈ $61.7B) Large · P/E ratio 9.4 · P/S ratio 5.85 · EPS (TTM) 4.17 SAR · Dividend yield 5.9% · Net margin 65.3% · Return on equity 12.7% · Return on assets (EBIT) 2.1% (5-year average).

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 71 out of 100 (low confidence).

What moves the price

The share trades about 10% below its 52-week high and 14% 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 11%, 1180 screens cheaper than that median.

Fair Value models

Bear 32.50 SAR Fair Value 43.25 SAR Bull 58.53 SAR
Price 39.00 SAR · Upside +10.9%
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 (1.63 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 32.50 SAR 39.10 SAR 54.30 SAR 76
DDM Multi-Stage 19.93 SAR 35.56 SAR 45.12 SAR 66
Gordon GGM 19.93 SAR 43.25 SAR 72.23 SAR 65
All 6 models by family
Dividend Discount
Gordon GGM 19.93 SAR 43.25 SAR 72.23 SAR 65
DDM Multi-Stage 19.93 SAR 35.56 SAR 45.12 SAR 66
Multiples
P/E Multiple 41.16 SAR 54.88 SAR 68.60 SAR 63
P/B Multiple 29.08 SAR 38.77 SAR 48.46 SAR 55
Asset-Based
NCAV (Graham) 13.85 SAR 18.55 SAR 27.69 SAR 54
Economic Profit
Residual Income 32.50 SAR 39.10 SAR 54.30 SAR 76

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Quality Score breakdown

Overall quality 52/100

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

Profitability 37
How much profit the company makes from its sales and capital
Quality Growth 49
Are margins and returns getting better?
Cashflow 46
Do the profits arrive as real cash?
Financial strength 18
Debt, balance sheet and risk of trouble
Investment 69
Does it invest with discipline instead of growing at any price?
Low Volatility 91
How calm the share price moves, does not count
Price momentum 40
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 48
Distance to the 52-week high, does not count
New shares 76
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. 62/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+22.5%
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.
+10.6%
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.
+16.0%
Start year 2020 (pandemic). Over 10 years: +10.0% a year
Revenue growth 13 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.
+10.8%
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.
+14.0%
Earnings growth per share plus dividend.
Earnings per share, growth per year+8.1%
Dividend (yield on the price)5.9%
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.8.1% vs 6.4%, steady
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.59% → 59%
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 10/14 measures
Overall it ranks above its industry peers.
Valuation
Quality Score 52 · Below median
Fair Value upside +10.9% · Top 25%
Profitability
Return on equity (12 months) 12.7% · Above median
Return on assets 2.1% · Top 25%
Net margin (12 months) 65.3% · Top 25%
Operating margin (12 months) 75.0% · Top 25%
Growth and dividend
Revenue growth (quarter YoY) 1.3% · Below median
Dividend yield (12 months) 5.9% · Top 25%
Balance sheet
Debt / equity 0.03× · Lowest 25%

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 9.4× · Cheaper than median
P/B 1.14× · Cheaper than median
P/S (12 months) 5.85× · Priciest 25%
Price / free cash flow (fiscal year) 40.4× · Priciest 25%
EV/EBITDA 6.1× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)48 · sector 8
FUTURE (revenue growth)7 · sector 47
PAST (return on equity)51 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)100 · 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 1180
China Merchants Bank Co 600036 ¥42.93 ¥52.73 +23% vs 1180
BNP Paribas SA BNP €95.57 €107.43 +12% vs 1180
Intesa Sanpaolo S.p.A ISP €6.26 €4.91 −22% vs 1180
UniCredit S.p.A UCG €83.68 €58.08 −31% vs 1180
Oversea-Chinese Banking Corporation O39 28.53 SGD 18.20 SGD −36% vs 1180
DBS Group D05 69.90 SGD 40.39 SGD −42% vs 1180
Mizuho Financial Group MFG $10.34 $5.84 −44% vs 1180
HDFC Bank Limited HDFCBANK ₹804.00 ₹406.39 −49% vs 1180
ICICI Bank Limited ICICIBANK ₹1,584 ₹615.63 −61% vs 1180

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Saudi National Bank: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Saudi National Bank Fair Value". https://www.fairvalue-calculator.com/stock/1180

Frequently asked questions

Is Saudi National Bank (1180) overvalued or undervalued?
As of Nov 11, 2026, our model estimates a fair value of 43.25 SAR versus a price of 39.00 SAR, about +11% upside (fairly valued).
What is the fair value of 1180?
Our model-based fair value for Saudi National Bank is 43.25 SAR (as of Nov 11, 2026), built from audited fundamentals. The current price: 39.00 SAR.
What is the quality score of 1180?
Saudi National Bank has a Quality Score of 52/100. 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 Saudi National Bank (1180)?
Our model-based price target is the fair value of 43.25 SAR (as of Nov 11, 2026) from 6 valuation models. Cautious scenario 32.50 SAR, optimistic scenario 58.53 SAR. It is a calculation from audited fundamentals, not an analyst target.
What is the Saudi National Bank stock forecast for 2026?
Our models put fair value at 43.25 SAR, about +11% upside versus a price of 39.00 SAR (fairly valued). Cautious scenario 32.50 SAR, optimistic scenario 58.53 SAR. The calculation is refreshed regularly with new filings.
What is the revenue of Saudi National Bank (1180)?
Saudi National Bank reported trailing-twelve-month revenue of about 39.6B SAR (latest available figure, as of Nov 11, 2026).
Does Saudi National Bank pay a dividend?
Saudi National Bank currently shows a dividend yield of 5.90% relative to its recent price (as of Nov 11, 2026).
How much is the dividend of Saudi National Bank (1180) and when is the ex-dividend date?
Saudi National Bank pays a dividend of 2.30 SAR per share a year, a dividend yield of 5.9%. The last ex-dividend date was Jul 29, 2026. A dividend has been paid every year since at least 2015. The payout ratio is 55.2% 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 Saudi National Bank (1180)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Saudi National Bank it is 43.25 SAR per share (as of Nov 11, 2026), against a price of 39.00 SAR. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Saudi National Bank stock overvalued or undervalued in 2026?
As of Nov 11, 2026, 1180 trades below its calculated fair value: price 39.00 SAR, fair value 43.25 SAR, a gap of about +11% (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 1180?
No. The price is what the market pays today (39.00 SAR); the fair value is what the company's own numbers justify (43.25 SAR). For Saudi National Bank the two are 4.25 SAR per share apart. That gap is exactly why we show both numbers side by side.
How much is Saudi National Bank worth?
The market values Saudi National Bank at about 232B SAR (market capitalisation, as of Nov 11, 2026). Per share that is 39.00 SAR; our models calculate a fair value of 43.25 SAR per share.
What do the bullish and bearish scenarios say about 1180?
Our models span a range for Saudi National Bank: cautious scenario 32.50 SAR, base 43.25 SAR, optimistic 58.53 SAR per share (as of Nov 11, 2026, price 39.00 SAR). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 1180?
Saudi National Bank trades at a price-to-earnings ratio of 9.4 (as of Nov 11, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 43.25 SAR is built from several models across several years. Other multiples: P/B 1.1, P/S 5.8, EV/EBITDA 6.1.
How solid is the balance sheet of Saudi National Bank (1180)?
Balance-sheet figures for Saudi National Bank (as of Nov 11, 2026): return on equity 12.7%, debt of 0.03 per unit of equity. They feed the Quality Score of 52/100, which measures business quality independently of the share price.
How far is 1180 from its 52-week high?
Saudi National Bank trades at 39.00 SAR, about 10% below its 52-week high of 43.40 SAR and 14% above the low of 34.10 SAR (as of Nov 12, 2026). Distance from the high says nothing about value: that is what the fair value of 43.25 SAR is for.
Which stocks are comparable to Saudi National Bank?
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 Saudi National Bank stock attractive at the current price?
The data as of Nov 11, 2026: price 39.00 SAR, calculated fair value 43.25 SAR (+11%), Quality Score 52/100, 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 1180 calculated?
We run Saudi National Bank through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of 43.25 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. Saudi National Bank currently trades 10% 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 Saudi National Bank (1180)?
The closing price on Nov 12, 2026 was 39.00 SAR. Our model-based fair value is 43.25 SAR, about +11% upside (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Saudi National Bank right now?
The price sits close to our fair value, market and models broadly agree here, little valuation tension. A fairly wide model range (32.50 SAR to 58.53 SAR) leaves room in how you read the outcome. 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 Saudi National Bank (1180) come from?
Earnings per share at Saudi National Bank grew 4.7 % a year from 2014 to 2025. Broken into its drivers: revenue per share +3.7 %, EBIT margin +2.0 %, tax rate −1.1 %, 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 Saudi National Bank

How large is the market capitalisation of Saudi National Bank (1180)?
The market capitalisation of Saudi National Bank is 232B SAR (≈ $61.7B). 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 Saudi National Bank (1180)?
The price-to-sales ratio of Saudi National Bank is 5.85 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Saudi National Bank (1180)?
Earnings per share at Saudi National Bank are 4.17 SAR (price ÷ EPS = P/E 9.4). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Saudi National Bank (1180)?
The dividend yield of Saudi National Bank is 5.9% (payout 55.2%). 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 Saudi National Bank (1180)?
The net margin of Saudi National Bank is 65.3% (last twelve months). 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 Saudi National Bank (1180)?
The return on equity (ROE) of Saudi National Bank is 12.7% (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 Saudi National Bank (1180)?
On an EBIT basis the return on assets of Saudi National Bank is 2.1% (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 Saudi National Bank (1180)?
The operating margin of Saudi National Bank is 75.0% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Saudi National Bank (1180)?
Revenue at Saudi National Bank is growing 1.3% versus a year earlier (3y avg +10.6%). 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 Saudi National Bank (1180)?
Earnings per share at Saudi National Bank are down 1.9% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Saudi National Bank (1180) generate?
The free cash flow of Saudi National Bank is 5.7B 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 Saudi National Bank (1180) carry?
The net debt of Saudi National Bank is 66.5B SAR (fiscal year 2025, ≈ 11.6 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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