Banque Saudi Fransi (1050) Fair Value & Analysis

Financial Services · SA · Market cap 48.9B SAR

What matters now

• The price is below even our cautious bear case (21.10 SAR). The market is more pessimistic than our downside scenario.
• Solid quality (52/100) 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 15.11 SAR – 19.91 SAR · fair‑value band 21.10 SAR – 35.17 SAR · the 19.76 SAR price screens below the 28.13 SAR fair value. As of Jul 31, 2026.

✦ Which stocks are undervalued right now? Check free Discover now →

Analysis

Banque Saudi Fransi (1050) currently trades at 19.76 SAR, while our model-based Fair Value estimate is 28.13 SAR, implying the stock looks roughly 42.4% undervalued today. We read business quality at 52/100 (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, Banque Saudi Fransi generated revenue of 9.8B SAR at a net margin of 56.0%. Revenue grew 5.7% year over year. It earns a return on equity of 10.7%. Net debt stands at 24.8B SAR. Fundamentals as of Jul 31, 2026

Our scenario range runs from 21.10 SAR (bear case) to 35.17 SAR (bull case); at 19.76 SAR, the current price sits below that range. The share trades about 4% below its 52-week high and 35% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 68% fair-value upside, at 42%, 1050 screens richer than that median.

Key figures & financial health

Quality Score breakdown

About the company

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.

Full company description

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.

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

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

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.

Is 1050 fairly valued? → Check now

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.

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Jul 31, 2026).

Explore undervalued stocks

More undervalued Financial Services stocks →

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.