Bank AlJazira (1020) fair value: what the stock is really worth
As of Sep 30, 2026: fair value of Bank AlJazira SAR 11.51, price SAR 11.52, upside -0.1%, quality 56 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
- Fair value above price? No
- Good quality? Yes
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Bank AlJazira
1020 · SRNeutralThe stock looks roughly fairly valued with average quality.
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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, dashed = 300-day average. As of Sep 28, 2026.
How to read this chart
60‑month range 6.37 SAR – 19.23 SAR · fair‑value band 10.31 SAR – 15.66 SAR · the 11.52 SAR price screens above the 11.51 SAR fair value. Dashed = 300-day average. As of Sep 28, 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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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. 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 11.52 SAR, while our model-based Fair Value estimate is 11.51 SAR, so the stock looks roughly fairly valued today (gap 0.1%).
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Valuation
Bull case: the Multiples group reads highest at a median of 15.34 SAR per share, and 2 of the 6 models we run sit above the 11.52 SAR price.
Bear case: the Asset-Based group reads lowest at 7.89 SAR, and 4 of the 6 models stay below the price. Evidence for this calculation is high.
Scenario range: 10.31 SAR (bear) to 15.66 SAR (bull), the price of 11.52 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 56/100 (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 14.7B SAR (≈ $3.9B) · P/E ratio 11.4 · P/S ratio 1.64 · EPS (TTM) 1.01 SAR · Dividend yield 4.3% · Net margin 14.4% · Return on equity 7.6% · Return on assets (EBIT) 1.0%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 50 out of 100 (low confidence).
What moves the price
The share trades about 8% 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 0%, 1020 screens cheaper than that median.
Fair Value models
All 6 models by family
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Set up alert →Quality Score breakdown
Of which business quality 50 · Market factors (momentum, volatility) 57
Revenue & earnings trend
Growth Forecast
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Compare Bank AlJazira 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 · 1057 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- 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 |
|---|---|---|---|
| DBS Group D05 | 78.00 SGD | 40.39 SGD | −48% |
| China Merchants Bank Co 600036 | ¥40.69 | ¥52.73 | +30% |
| UniCredit S.p.A UCG | €83.95 | €77.62 | −8% |
| Intesa Sanpaolo S.p.A ISP | €6.79 | €4.02 | −41% |
| Mizuho Financial Group MFG | $11.07 | $6.86 | −38% |
| BNP Paribas SA BNP | €99.30 | €105.99 | +7% |
| HDFC Bank Limited HDFCBANK | ₹735.60 | ₹406.44 | −45% |
| Oversea-Chinese Banking Corporation O39 | 32.01 SGD | 19.78 SGD | −38% |
| CaixaBank, S.A CABK | €13.23 | €8.46 | −36% |
| ICICI Bank Limited ICICIBANK | ₹1,327 | ₹615.71 | −54% |
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Key figures of Bank AlJazira
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