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The Saudi Investment Bank (1030) fair value: what the stock is really worth

As of Nov 12, 2026: fair value (intrinsic value) of The Saudi Investment Bank stock SAR 17.50, price SAR 11.57, upside +51.3%, quality 50 out of 100. Rating: strongly undervalued. 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 SA0007879063

TS The Saudi Investment Bank logo Broad data Nov 11, 2026

The Saudi Investment Bank

1030 · SR

Cheap (34% below fair value) and rising price, but company just short of the bar: meets 2 of 3 rules.

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Fair value 17.50 SAR · Strongly undervalued 
Rising price (uptrend) 
Healthy Growth (revenue 3y +50.9 %/yr in SAR) 
Highly profitable · 54.7% net margin (TTM) 
5.0% dividend yield · Low payout
Ranks above peers (10/14) 
Broad data 
Costs just 8.2 times its yearly profit. 
Quality 50/100 
Wide moat 67/100 · thin data
Changed on Nov 12: SAR 14.20 → SAR 17.50 
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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

14.88 SAR 4.52 SAR Fair Value 17.50 SAR May 2020 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 4.52 SAR – 14.88 SAR · fair‑value band 11.19 SAR – 22.68 SAR · the 11.57 SAR price screens below the 17.50 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 Investment Bank provides commercial and retail banking services to individuals, small to medium-sized businesses, and corporate and institutional customers in the Kingdom of Saudi Arabia.

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The company operates through Retail Banking, Corporate Banking, Treasury and Investments, and Asset Management and Brokerage and other segments.

The company offers loans, deposits, and other products for public institutions, high-net worth individuals and consumers; money market, investments and treasury services, and investments in associates and related activities.

It also provides support functions, special credit, and other management and control units.

It offers current, saving, murabaha, and travel accounts; time deposits; and working capital, Shariah-compliant, contract, project and structured, home and personal, secured, and trade financing solutions, as well as syndicated loans.

The company also engages in the provision of money market and international trade services; and dealing, managing, advising, and custody of securities.

In addition, it offers structured products; liquidity management, foreign exchange, treasury and investment, trade and business finance, and cash management services; marine cargo insurance services; debit, prepaid, and credit cards; internet and phone banking; and payroll services, as well as payment and transfer, and ATM/cash deposit services.

The company was founded in 1976 and is headquartered in Riyadh, the Kingdom of Saudi Arabia.

Stock analysis

The Saudi Investment Bank (1030) currently trades at 11.57 SAR, while our model-based Fair Value estimate is 17.50 SAR, implying the stock looks roughly 34% undervalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of 18.15 SAR per share, and 5 of the 6 models we run sit above the 11.57 SAR price.

Bear case: the Asset-Based group reads lowest at 7.28 SAR, and 1 of the 6 models stay below the price. Data coverage for this calculation is high.

Scenario range: 11.19 SAR (bear) to 22.68 SAR (bull), the price of 11.57 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 50/100 (solid quality), in the Financial Services sector.

Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.

The Saudi Investment Bank reported revenue of 11.3B SAR in FY2025 versus 2.8B SAR in FY2021, a compound +42.3%/yr. Reported net income was 2.4B SAR in FY2025, compounding +23.0%/yr from FY2021.

Key figures

Market cap 17.4B SAR (≈ $4.6B) Mid · P/E ratio 8.2 · P/S ratio 3.87 · EPS (TTM) 1.41 SAR · Dividend yield 5.0% · Net margin 54.7% · Return on equity 10.6% · Return on assets (EBIT) 1.5% (5-year average).

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 67 out of 100 (low confidence).

What moves the price

The share trades about 22% below its 52-week high and 18% 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 51%, 1030 screens cheaper than that median.

Fair Value models

Bear 11.19 SAR Fair Value 17.50 SAR Bull 22.68 SAR
Price 11.57 SAR · Upside +51.3%
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 (0.7205 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 11.19 SAR 14.20 SAR 21.05 SAR 75
Gordon GGM 8.41 SAR 17.50 SAR 27.78 SAR 66
DDM Multi-Stage 8.41 SAR 14.75 SAR 18.37 SAR 66
All 6 models by family
Dividend Discount
Gordon GGM 8.41 SAR 17.50 SAR 27.78 SAR 66
DDM Multi-Stage 8.41 SAR 14.75 SAR 18.37 SAR 66
Multiples
P/E Multiple 15.80 SAR 21.07 SAR 26.34 SAR 63
P/B Multiple 11.41 SAR 15.22 SAR 19.02 SAR 55
Asset-Based
NCAV (Graham) 5.43 SAR 7.28 SAR 10.87 SAR 54
Economic Profit
Residual Income 11.19 SAR 14.20 SAR 21.05 SAR 75

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Quality Score breakdown

Overall quality 50/100

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

Profitability 35
How much profit the company makes from its sales and capital
Quality Growth 44
Are margins and returns getting better?
Cashflow 85
Do the profits arrive as real cash?
Financial strength 11
Debt, balance sheet and risk of trouble
Investment 69
Does it invest with discipline instead of growing at any price?
Low Volatility 50
How calm the share price moves, does not count
Price momentum 47
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 39
Distance to the 52-week high, does not count
New shares 40
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. 95/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+171.0%
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.
+50.9%
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.
+29.0%
Earnings growth per share plus dividend.
Earnings per share, growth per year+24.0%
Dividend (yield on the price)5.0%
Per share before 2022divided by the spin-off factor 1.333
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.24.0% vs 6.9%, 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.43% → 25%
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 9/13 measures
Overall it ranks above its industry peers.
Valuation
Quality Score 50 · Below median
Fair Value upside +51.3% · Top 25%
Profitability
Return on equity (12 months) 10.6% · Below median
Return on assets 1.4% · Top 25%
Net margin (12 months) 54.7% · Top 25%
Operating margin (12 months) 56.0% · Top 25%
Growth and dividend
Revenue growth (quarter YoY) 1.0% · Bottom 25%
Dividend yield (12 months) 5.0% · Top 25%

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 8.2× · Cheapest 25%
P/B 1.01× · Cheaper than median
P/S (12 months) 3.87× · Pricier than median
Price / free cash flow (fiscal year) 6.1× · Cheapest 25%
EV/EBITDA 4.1× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)100 · sector 8
FUTURE (revenue growth)5 · sector 47
PAST (return on equity)42 · 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.

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Postal Savings Bank of China Co 601658 ¥5.69 ¥7.59 +33% vs 1030
China Merchants Bank Co 600036 ¥42.93 ¥52.73 +23% vs 1030
BNP Paribas SA BNP €95.57 €107.43 +12% vs 1030
Intesa Sanpaolo S.p.A ISP €6.26 €4.91 −22% vs 1030
UniCredit S.p.A UCG €83.68 €58.08 −31% vs 1030
Oversea-Chinese Banking Corporation O39 28.53 SGD 18.20 SGD −36% vs 1030
DBS Group D05 69.90 SGD 40.39 SGD −42% vs 1030
Mizuho Financial Group MFG $10.34 $5.84 −44% vs 1030
HDFC Bank Limited HDFCBANK ₹804.00 ₹406.39 −49% vs 1030
ICICI Bank Limited ICICIBANK ₹1,584 ₹615.63 −61% vs 1030

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The Saudi Investment Bank: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "The Saudi Investment Bank Fair Value". https://www.fairvalue-calculator.com/stock/1030

Frequently asked questions

Is The Saudi Investment Bank (1030) overvalued or undervalued?
As of Nov 11, 2026, our model estimates a fair value of 17.50 SAR versus a price of 11.57 SAR, about +51% upside (undervalued).
What is the fair value of 1030?
Our model-based fair value for The Saudi Investment Bank is 17.50 SAR (as of Nov 11, 2026), built from audited fundamentals. The current price: 11.57 SAR.
What is the quality score of 1030?
The Saudi Investment Bank has a Quality Score of 50/100. 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 The Saudi Investment Bank (1030)?
Our model-based price target is the fair value of 17.50 SAR (as of Nov 11, 2026) from 6 valuation models. Cautious scenario 11.19 SAR, optimistic scenario 22.68 SAR. It is a calculation from audited fundamentals, not an analyst target.
What is the The Saudi Investment Bank stock forecast for 2026?
Our models put fair value at 17.50 SAR, about +51% upside versus a price of 11.57 SAR (undervalued). Cautious scenario 11.19 SAR, optimistic scenario 22.68 SAR. The calculation is refreshed regularly with new filings.
What is the revenue of The Saudi Investment Bank (1030)?
The Saudi Investment Bank reported trailing-twelve-month revenue of about 4.5B SAR (latest available figure, as of Nov 11, 2026).
Does The Saudi Investment Bank pay a dividend?
The Saudi Investment Bank currently shows a dividend yield of 5.04% relative to its recent price (as of Nov 11, 2026).
How much is the dividend of The Saudi Investment Bank (1030) and when is the ex-dividend date?
The Saudi Investment Bank pays a dividend of 0.583 SAR per share a year, a dividend yield of 5.0%. The last ex-dividend date was Aug 5, 2026. A dividend has been paid every year since 2021. The payout ratio is 41.3% 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 The Saudi Investment Bank (1030)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For The Saudi Investment Bank it is 17.50 SAR per share (as of Nov 11, 2026), against a price of 11.57 SAR. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is The Saudi Investment Bank stock overvalued or undervalued in 2026?
As of Nov 11, 2026, 1030 trades below its calculated fair value: price 11.57 SAR, fair value 17.50 SAR, a gap of about +51% (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 1030?
No. The price is what the market pays today (11.57 SAR); the fair value is what the company's own numbers justify (17.50 SAR). For The Saudi Investment Bank the two are 5.93 SAR per share apart. That gap is exactly why we show both numbers side by side.
How much is The Saudi Investment Bank worth?
The market values The Saudi Investment Bank at about 17.4B SAR (market capitalisation, as of Nov 11, 2026). Per share that is 11.57 SAR; our models calculate a fair value of 17.50 SAR per share.
What do the bullish and bearish scenarios say about 1030?
Our models span a range for The Saudi Investment Bank: cautious scenario 11.19 SAR, base 17.50 SAR, optimistic 22.68 SAR per share (as of Nov 11, 2026, price 11.57 SAR). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 1030?
The Saudi Investment Bank trades at a price-to-earnings ratio of 8.2 (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 17.50 SAR is built from several models across several years. Other multiples: P/B 1.0, P/S 3.9, EV/EBITDA 4.1.
How solid is the balance sheet of The Saudi Investment Bank (1030)?
Balance-sheet figures for The Saudi Investment Bank (as of Nov 11, 2026): return on equity 10.6%. They feed the Quality Score of 50/100, which measures business quality independently of the share price.
How far is 1030 from its 52-week high?
The Saudi Investment Bank trades at 11.57 SAR, about 22% below its 52-week high of 14.88 SAR and 18% above the low of 9.84 SAR (as of Nov 12, 2026). Distance from the high says nothing about value: that is what the fair value of 17.50 SAR is for.
Which stocks are comparable to The Saudi Investment 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 The Saudi Investment Bank stock attractive at the current price?
The data as of Nov 11, 2026: price 11.57 SAR, calculated fair value 17.50 SAR (+51%), Quality Score 50/100, 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 1030 calculated?
We run The Saudi Investment 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 17.50 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 13.9% above its aggregate fair value. The Saudi Investment Bank currently trades 34% 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 The Saudi Investment Bank (1030)?
The closing price on Nov 12, 2026 was 11.57 SAR. Our model-based fair value is 17.50 SAR, about +51% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with The Saudi Investment Bank right now?
Solid quality (50/100) at a price below fair value, the discount is the argument here, not the business quality. A fairly wide model range (11.19 SAR to 22.68 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 The Saudi Investment Bank (1030) come from?
Earnings per share at The Saudi Investment Bank grew +2.9 % a year from 2014 to 2025. Broken into its drivers: revenue per share +9.5 %, EBIT margin −4.5 %, tax rate −1.6 %, 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 The Saudi Investment Bank

How large is the market capitalisation of The Saudi Investment Bank (1030)?
The market capitalisation of The Saudi Investment Bank is 17.4B SAR (≈ $4.6B). 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 The Saudi Investment Bank (1030)?
The price-to-sales ratio of The Saudi Investment Bank is 3.87 (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 The Saudi Investment Bank (1030)?
Earnings per share at The Saudi Investment Bank are 1.41 SAR (price ÷ EPS = P/E 8.2). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of The Saudi Investment Bank (1030)?
The dividend yield of The Saudi Investment Bank is 5.0% (payout 41.3%). 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 The Saudi Investment Bank (1030)?
The net margin of The Saudi Investment Bank is 54.7% (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 The Saudi Investment Bank (1030)?
The return on equity (ROE) of The Saudi Investment Bank is 10.6% (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 The Saudi Investment Bank (1030)?
On an EBIT basis the return on assets of The Saudi Investment Bank is 1.5% (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 The Saudi Investment Bank (1030)?
The operating margin of The Saudi Investment Bank is 56.0% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at The Saudi Investment Bank (1030)?
Revenue at The Saudi Investment Bank is growing +1.0% versus a year earlier (3y avg +50.9%). 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 The Saudi Investment Bank (1030)?
Earnings per share at The Saudi Investment Bank are growing −2.6% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does The Saudi Investment Bank (1030) generate?
The free cash flow of The Saudi Investment Bank is 2.9B 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 The Saudi Investment Bank (1030) carry?
The net debt of The Saudi Investment Bank is 38.0B SAR (fiscal year 2025, ≈ 13.3 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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