AlJazira Bank (1020) Fair Value & Analysis

Financial Services · SA · Market cap 15.4B SAR

What matters now

• Solid quality (60/100) at a price below fair value, the discount is the argument here, not the business quality.
• For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Price vs Fair Value (12 months)

12‑month range 10.50 SAR – 12.66 SAR · fair‑value band 11.51 SAR – 19.18 SAR · the 12.15 SAR price screens below the 15.34 SAR fair value. As of Jul 31, 2026.

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Analysis

AlJazira Bank (1020) currently trades at 12.15 SAR, while our model-based Fair Value estimate is 15.34 SAR, implying the stock looks roughly 26.3% undervalued today. We read business quality at 60/100 (solid quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.

Over the trailing twelve months, AlJazira Bank generated revenue of 4.3B SAR at a net margin of 37.2%. Revenue grew 11.4% year over year. It earns a return on equity of 7.6%. Net debt stands at 25.9B SAR. Fundamentals as of Jul 31, 2026

Our scenario range runs from 11.51 SAR (bear case) to 19.18 SAR (bull case); at 12.15 SAR, the current price sits within that range. The share trades about 5% below its 52-week high and 17% 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 26%, 1020 screens richer than that median.

Key figures & financial health

Quality Score breakdown

About the company

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.

Full company description

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.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

AlJazira Bank 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.

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Snowflake

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

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Frequently asked questions

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.