The Saudi Investment Bank (1030) Fair Value & Analysis

Financial Services · SA · Market cap 17.2B SAR

What matters now

• The price is below even our cautious bear case (19.01 SAR). The market is more pessimistic than our downside scenario.
• Solid quality (58/100) 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 12.16 SAR – 14.29 SAR · fair‑value band 19.01 SAR – 31.68 SAR · the 13.86 SAR price screens below the 25.34 SAR fair value. As of Jul 31, 2026.

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Analysis

The Saudi Investment Bank (1030) currently trades at 13.86 SAR, while our model-based Fair Value estimate is 25.34 SAR, implying the stock looks roughly 82.8% undervalued today. We read business quality at 58/100 (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, The Saudi Investment Bank generated revenue of 4.7B SAR at a net margin of 52.9%. Revenue grew 146.8% year over year. It earns a return on equity of 11.2%. Net debt stands at 38.0B SAR. Fundamentals as of Jul 31, 2026

Our scenario range runs from 19.01 SAR (bear case) to 31.68 SAR (bull case); at 13.86 SAR, the current price sits below that range. The share trades about 4% below its 52-week high and 16% 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 83%, 1030 screens cheaper than that median.

Key figures & financial health

Quality Score breakdown

About the company

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

Full company description

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. 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.

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

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

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.

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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.