Banque Saudi Fransi (1050) fair value: what the stock is really worth
As of Sep 30, 2026: fair value of Banque Saudi Fransi SAR 21.97, price SAR 20.47, upside +7.3%, quality 39 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
Watch Banque Saudi Fransi for free, get notified when fair value or trend changes. Plus fair value for all 35,000+ stocks, 14 days of Pro free, no card.Watch for freePro now: $1 first month
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 27, 2026.
How to read this chart
60‑month range 7.97 SAR – 21.98 SAR · fair‑value band 18.57 SAR – 35.48 SAR · the 20.47 SAR price screens below the 21.97 SAR fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 27, 2026.
Follow Banque Saudi Fransi in your weekly email
Every Wednesday you see whether Banque Saudi Fransi is on track or worth a review, plus price against fair value. Free, up to 3 stocks.
We send you a confirmation link. Unsubscribe with one click.
Banque Saudi Fransi provides banking and financial services for individuals and businesses in the Kingdom of Saudi Arabia and internationally. The company operates through Retail Banking, Corporate Banking, Treasury, and Investment Banking and Brokerage segments. It offers savings, current, and term deposit accounts; and mada Pay and Apple Pay products.
Show more
Banque Saudi Fransi provides banking and financial services for individuals and businesses in the Kingdom of Saudi Arabia and internationally. The company operates through Retail Banking, Corporate Banking, Treasury, and Investment Banking and Brokerage segments. It offers savings, current, and term deposit accounts; and mada Pay and Apple Pay products. The company provides home and personal finance; insurance products, such as education, retirement, travel, and car protection; debit and credit cards; local and international guarantees, letters of guarantee and credit, and compliance and regulatory matters; account management, investment, commercial banking, and Islamic products, such as Tawarruq; and working capital, contract, structured, and trade and supply chain solutions. In addition, it offers liquidity and cash management solutions, which include payroll, escrow account, fund collection, point of sale (PoS), business to business, dividends management, e-payment gateway, swift MACUG, VERSE, soft PoS, and payroll and prepaid card service; and foreign exchange, commodities, equities, interest rate and hybrid derivatives, and other trading operations. Further, the company provides private banking services; investment advisory services, such as asset management, securities brokerage, and global investment solutions; mutual funds, margin lending, discretionary portfolio, and conventional and Islamic bonds, as well as alternative assets consisting of private equity and real estate; and corporate finance, overdrafts, consumer loans, investment securities, and money market. The company was founded in 1977 and is headquartered in Riyadh, the Kingdom of Saudi Arabia.
Stock analysis
Banque Saudi Fransi (1050) currently trades at 20.47 SAR, while our model-based Fair Value estimate is 21.97 SAR, so the stock looks roughly fairly valued today (gap 6.8%).
Show more
Valuation
Bull case: the Multiples group reads highest at a median of 28.12 SAR per share, and 3 of the 6 models we run sit above the 20.47 SAR price.
Bear case: the Asset-Based group reads lowest at 13.71 SAR, and 3 of the 6 models stay below the price. Evidence for this calculation is high.
Scenario range: 18.57 SAR (bear) to 35.48 SAR (bull), the price of 20.47 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 39/100 (below-average quality), in the Financial Services sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Banque Saudi Fransi reported revenue of 20.1B SAR in FY2025 versus 7.2B SAR in FY2021, a compound +29.0%/yr. Reported net income was 5.4B SAR in FY2025, compounding +11.6%/yr from FY2021.
Key figures
Market cap 50.7B SAR (≈ $13.5B) · P/E ratio 10.2 · P/S ratio 2.73 · EPS (TTM) 2.00 SAR · Dividend yield 5.3% · Net margin 26.6% · Return on equity 10.7% · Return on assets (EBIT) 1.9%.
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 7% below its 52-week high and 34% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −38% fair-value upside, at 7%, 1050 screens cheaper than that median.
Fair Value models
Bear 18.57 SARFair Value 21.97 SARBull 35.48 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 (0.6806 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.62/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+108.8%
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.
+35.8%
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.
+23.1%
Start year 2020 (pandemic). Over 10 years: +12.4% 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.
+8.8%
’14
’15
’16
’17
’18
’19
’20
’21
’22
’23
’24
’25
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.
+1.6%
Earnings growth per share plus dividend.
Earnings per share, growth per year−3.7%
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.−3.7% vs −3.0%, steady
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.28% → 30%
Price, fair value, quality and upside side by side.
Free, no sign-up
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 Score37 · Bottom 25%
Fair Value upside+7.3% · Above median
Profitability
Return on equity (TTM)10.7% · Above median
Return on assets1.7% · Top 25%
Net margin (TTM)56.0% · Top 25%
Operating margin (TTM)64.2% · Top 25%
Growth and dividend
Revenue growth5.7% · Below median
Dividend yield (TTM)5.3% · Top 25%
Balance sheet
Debt / equity0.05× · Lowest 25%
Valuation Multiplesvs Banks - Regional median · lower = cheaper
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Banque Saudi Fransi Fair Value". https://www.fairvalue-calculator.com/stock/1050
Frequently asked questions
Is Banque Saudi Fransi (1050) overvalued or undervalued?
As of Sep 27, 2026, our model estimates a fair value of 21.97 SAR versus a price of 20.47 SAR, about +7% upside (fairly valued).
What is the fair value of 1050?
Our model-based fair value for Banque Saudi Fransi is 21.97 SAR (as of Sep 27, 2026), built from audited fundamentals. The current price: 20.47 SAR.
What is the quality score of 1050?
Banque Saudi Fransi has a Quality Score of 39/100. 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 Banque Saudi Fransi (1050)?
Our model-based price target is the fair value of 21.97 SAR (as of Sep 27, 2026) from 6 valuation models. Cautious scenario 18.57 SAR, optimistic scenario 35.48 SAR. It is a calculation from audited fundamentals, not an analyst target.
What is the Banque Saudi Fransi stock forecast for 2026?
Our models put fair value at 21.97 SAR, about +7% upside versus a price of 20.47 SAR (fairly valued). Cautious scenario 18.57 SAR, optimistic scenario 35.48 SAR. The calculation is refreshed regularly with new filings.
What is the revenue of Banque Saudi Fransi (1050)?
Banque Saudi Fransi reported trailing-twelve-month revenue of about 9.8B SAR (latest available figure, as of Sep 27, 2026).
Does Banque Saudi Fransi pay a dividend?
Banque Saudi Fransi currently shows a dividend yield of about 5.32% relative to its recent price (as of Sep 27, 2026).
What is the intrinsic value of Banque Saudi Fransi (1050)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Banque Saudi Fransi it is 21.97 SAR per share (as of Sep 27, 2026), against a price of 20.47 SAR. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Banque Saudi Fransi stock overvalued or undervalued in 2026?
As of Sep 27, 2026, 1050 trades below its calculated fair value: price 20.47 SAR, fair value 21.97 SAR, a gap of about +7% (fairly valued). 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 1050?
No. The price is what the market pays today (20.47 SAR); the fair value is what the company's own numbers justify (21.97 SAR). For Banque Saudi Fransi the two are 1.50 SAR per share apart. That gap is exactly why we show both numbers side by side.
How much is Banque Saudi Fransi worth?
The market values Banque Saudi Fransi at about 50.7B SAR (market capitalisation, as of Sep 27, 2026). Per share that is 20.47 SAR; our models calculate a fair value of 21.97 SAR per share.
What do the bullish and bearish scenarios say about 1050?
Our models span a range for Banque Saudi Fransi: cautious scenario 18.57 SAR, base 21.97 SAR, optimistic 35.48 SAR per share (as of Sep 27, 2026, price 20.47 SAR). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 1050?
Banque Saudi Fransi trades at a price-to-earnings ratio of 10.2 (as of Sep 27, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 21.97 SAR is built from several models across several years. Other multiples: P/B 1.0, P/S 5.2, EV/EBITDA 6.1.
How solid is the balance sheet of Banque Saudi Fransi (1050)?
Balance-sheet figures for Banque Saudi Fransi (as of Sep 27, 2026): return on equity 10.7%, debt of 0.05 per unit of equity. They feed the Quality Score of 39/100, which measures business quality independently of the share price.
How far is 1050 from its 52-week high?
Banque Saudi Fransi trades at 20.47 SAR, about 7% below its 52-week high of 21.98 SAR and 34% above the low of 15.27 SAR (as of Sep 30, 2026). Distance from the high says nothing about value: that is what the fair value of 21.97 SAR is for.
Which stocks are comparable to Banque Saudi Fransi?
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 Banque Saudi Fransi stock attractive at the current price?
The data as of Sep 27, 2026: price 20.47 SAR, calculated fair value 21.97 SAR (+7%), Quality Score 39/100, 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 1050 calculated?
We run Banque Saudi Fransi 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 21.97 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. Banque Saudi Fransi currently trades 7 % 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 Banque Saudi Fransi (1050)?
The closing price on Sep 30, 2026 was 20.47 SAR. Our model-based fair value is 21.97 SAR, about +7% upside (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Banque Saudi Fransi right now?
The price sits close to our fair value, market and models broadly agree here, little valuation tension. A fairly wide model range (18.57 SAR to 35.48 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 Banque Saudi Fransi (1050) come from?
Earnings per share at Banque Saudi Fransi grew −3.2 % a year from 2014 to 2025. Broken into its drivers: revenue per share +2.6 %, EBIT margin −3.7 %, tax rate −1.2 %, residual (interest, one-offs) −0.8 %. 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 Banque Saudi Fransi
How large is the market capitalisation of Banque Saudi Fransi (1050)?
The market capitalisation of Banque Saudi Fransi is 50.7B SAR (≈ $13.5B). 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 Banque Saudi Fransi (1050)?
The price-to-sales ratio of Banque Saudi Fransi is 2.73 (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 Banque Saudi Fransi (1050)?
Earnings per share at Banque Saudi Fransi are 2.00 SAR (price ÷ EPS = P/E 10.2). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Banque Saudi Fransi (1050)?
The dividend yield of Banque Saudi Fransi is 5.3% (payout 54.5%). 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 Banque Saudi Fransi (1050)?
The net margin of Banque Saudi Fransi is 26.6% (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 Banque Saudi Fransi (1050)?
The return on equity (ROE) of Banque Saudi Fransi is 10.7% (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 Banque Saudi Fransi (1050)?
On an EBIT basis the return on assets of Banque Saudi Fransi is 1.9% (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 Banque Saudi Fransi (1050)?
The operating margin of Banque Saudi Fransi is 64.2% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Banque Saudi Fransi (1050)?
Revenue at Banque Saudi Fransi is growing +5.7% versus a year earlier (3y avg +35.8%). 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 Banque Saudi Fransi (1050)?
Earnings per share at Banque Saudi Fransi are growing +1.9% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Banque Saudi Fransi (1050) generate?
The free cash flow of Banque Saudi Fransi is −12.7B 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 Banque Saudi Fransi (1050) carry?
The net debt of Banque Saudi Fransi is 24.8B 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.
Free · no account needed
Watch Banque Saudi Fransi in the live analysis
One click puts Banque Saudi Fransi on your watchlist: fair value and trend at a glance, plus comparison, the diversification check and the 35,000+ stock screener. You can also try 14 days of Pro there, no card.
