Riyad Bank (1010) fair value: what the stock is really worth
As of Sep 29, 2026: fair value of Riyad Bank SAR 27.25, price SAR 20.04, upside +36.0%, quality 44 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 29, 2026.
How to read this chart
60‑month range 15.18 SAR – 25.36 SAR · fair‑value band 18.66 SAR – 37.82 SAR · the 20.04 SAR price screens below the 27.25 SAR fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 29, 2026.
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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. The Retail Banking segment offers deposits, credit, and investment products for individuals.
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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. 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 20.04 SAR, while our model-based Fair Value estimate is 27.25 SAR, implying the stock looks roughly 26.5% undervalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of 26.53 SAR per share, and 5 of the 6 models we run sit above the 20.04 SAR price.
Bear case: the Asset-Based group reads lowest at 12.70 SAR, and 1 of the 6 models stay below the price. Evidence for this calculation is high.
Scenario range: 18.66 SAR (bear) to 37.82 SAR (bull), the price of 20.04 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 44/100 (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 80.2B SAR (≈ $21.4B) · P/E ratio 8.0 · P/S ratio 4.55 · EPS (TTM) 2.50 SAR · Dividend yield 5.3% · Net margin 56.7% · Return on equity 13.9% · Return on assets (EBIT) 2.3%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 48 out of 100 (low confidence).
What moves the price
The share trades about 7% below its 52-week high and 10% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −38% fair-value upside, at 36%, 1010 screens cheaper than that median.
Fair Value models
Bear 18.66 SARFair Value 27.25 SARBull 37.82 SAR
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then (1.08 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.Evidence ⓘEvidence = 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.
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.60/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+6.4%
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.
+11.3%
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.
+10.6%
Start year 2020 (pandemic). Over 10 years: +8.7% 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.
+6.9%
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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.
+18.6%
Earnings growth per share plus dividend.
Earnings per share, growth per year+13.3%
Dividend (yield on the price)5.3%
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.13.3% vs 9.9%, 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.50% → 63%
Price, fair value, quality and upside side by side.
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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 · 1056 stocks
Beats the industry median on 10/13 measures
Overall it ranks above its industry peers.
Valuation
Quality Score45 · Bottom 25%
Fair Value upside+36.0% · Top 25%
Profitability
Return on equity (TTM)13.9% · Top 25%
Return on assets2.1% · Top 25%
Net margin (TTM)61.1% · Top 25%
Operating margin (TTM)68.6% · Top 25%
Growth and dividend
Revenue growth3.0% · Below median
Dividend yield (TTM)5.3% · Top 25%
Balance sheet
Debt / equity0.12× · Below median
Valuation Multiplesvs Banks - Regional median · lower = cheaper
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Cite: Fair Value Calculator (2026). "Riyad Bank Fair Value". https://www.fairvalue-calculator.com/stock/1010
Frequently asked questions
Is Riyad Bank (1010) overvalued or undervalued?
As of Sep 29, 2026, our model estimates a fair value of 27.25 SAR versus a price of 20.04 SAR, about +36% upside (undervalued).
What is the fair value of 1010?
Our model-based fair value for Riyad Bank is 27.25 SAR (as of Sep 29, 2026), built from audited fundamentals. The current price: 20.04 SAR.
What is the quality score of 1010?
Riyad Bank has a Quality Score of 44/100. 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 Riyad Bank (1010)?
Our model-based price target is the fair value of 27.25 SAR (as of Sep 29, 2026) from 6 valuation models. Cautious scenario 18.66 SAR, optimistic scenario 37.82 SAR. It is a calculation from audited fundamentals, not an analyst target.
What is the Riyad Bank stock forecast for 2026?
Our models put fair value at 27.25 SAR, about +36% upside versus a price of 20.04 SAR (undervalued). Cautious scenario 18.66 SAR, optimistic scenario 37.82 SAR. The calculation is refreshed regularly with new filings.
What is the revenue of Riyad Bank (1010)?
Riyad Bank reported trailing-twelve-month revenue of about 17.3B SAR (latest available figure, as of Sep 29, 2026).
Does Riyad Bank pay a dividend?
Riyad Bank currently shows a dividend yield of about 5.25% relative to its recent price (as of Sep 29, 2026).
What is the intrinsic value of Riyad Bank (1010)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Riyad Bank it is 27.25 SAR per share (as of Sep 29, 2026), against a price of 20.04 SAR. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Riyad Bank stock overvalued or undervalued in 2026?
As of Sep 29, 2026, 1010 trades below its calculated fair value: price 20.04 SAR, fair value 27.25 SAR, a gap of about +36% (undervalued). 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 1010?
No. The price is what the market pays today (20.04 SAR); the fair value is what the company's own numbers justify (27.25 SAR). For Riyad Bank the two are 7.21 SAR per share apart. That gap is exactly why we show both numbers side by side.
How much is Riyad Bank worth?
The market values Riyad Bank at about 80.2B SAR (market capitalisation, as of Sep 29, 2026). Per share that is 20.04 SAR; our models calculate a fair value of 27.25 SAR per share.
What do the bullish and bearish scenarios say about 1010?
Our models span a range for Riyad Bank: cautious scenario 18.66 SAR, base 27.25 SAR, optimistic 37.82 SAR per share (as of Sep 29, 2026, price 20.04 SAR). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 1010?
Riyad Bank trades at a price-to-earnings ratio of 8.0 (as of Sep 29, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 27.25 SAR is built from several models across several years. Other multiples: P/B 1.1, P/S 4.6, EV/EBITDA 3.4.
How solid is the balance sheet of Riyad Bank (1010)?
Balance-sheet figures for Riyad Bank (as of Sep 29, 2026): return on equity 13.9%, debt of 0.12 per unit of equity. They feed the Quality Score of 44/100, which measures business quality independently of the share price.
How far is 1010 from its 52-week high?
Riyad Bank trades at 20.04 SAR, about 7% below its 52-week high of 21.66 SAR and 10% above the low of 18.20 SAR (as of Sep 29, 2026). Distance from the high says nothing about value: that is what the fair value of 27.25 SAR is for.
Which stocks are comparable to Riyad Bank?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, UniCredit S.p.A, Intesa Sanpaolo S.p.A, 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 Riyad Bank stock attractive at the current price?
The data as of Sep 29, 2026: price 20.04 SAR, calculated fair value 27.25 SAR (+36%), Quality Score 44/100, 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 1010 calculated?
We run Riyad Bank through 6 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of 27.25 SAR, 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 14.9 % above its aggregate fair value. Riyad Bank currently trades 26 % 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 Riyad Bank (1010)?
The closing price on Sep 29, 2026 was 20.04 SAR. Our model-based fair value is 27.25 SAR, about +36% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Riyad Bank right now?
The large discount to fair value meets weak quality (44/100). That raises the risk this is a value trap rather than a bargain. A fairly wide model range (18.66 SAR to 37.82 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 Riyad Bank (1010) come from?
Earnings per share at Riyad Bank grew +10.1 % a year from 2014 to 2025. Broken into its drivers: revenue per share +9.1 %, EBIT margin +2.7 %, tax rate −1.2 %, residual (interest, one-offs) −0.5 %. 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 Riyad Bank
How large is the market capitalisation of Riyad Bank (1010)?
The market capitalisation of Riyad Bank is 80.2B SAR (≈ $21.4B). 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 Riyad Bank (1010)?
The price-to-sales ratio of Riyad Bank is 4.55 (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 Riyad Bank (1010)?
Earnings per share at Riyad Bank are 2.50 SAR (price ÷ EPS = P/E 8.0). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Riyad Bank (1010)?
The dividend yield of Riyad Bank is 5.3% (payout 42.1%). 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 Riyad Bank (1010)?
The net margin of Riyad Bank is 56.7% (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 Riyad Bank (1010)?
The return on equity (ROE) of Riyad Bank is 13.9% (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 Riyad Bank (1010)?
On an EBIT basis the return on assets of Riyad Bank is 2.3% (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 Riyad Bank (1010)?
The operating margin of Riyad Bank is 68.6% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Riyad Bank (1010)?
Revenue at Riyad Bank is growing +3.0% versus a year earlier (3y avg +11.3%). 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 Riyad Bank (1010)?
Earnings per share at Riyad Bank are growing +2.2% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Riyad Bank (1010) generate?
The free cash flow of Riyad Bank is −25.9B 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 Riyad Bank (1010) carry?
The net debt of Riyad Bank is 1.1B SAR (fiscal year 2025). 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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