Arab National Bank (1080) fair value: what the stock is really worth
As of Sep 29, 2026: fair value of Arab National Bank SAR 25.35, price SAR 22.84, upside +11.0%, quality 43 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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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 8.66 SAR – 24.45 SAR · fair‑value band 22.54 SAR – 40.87 SAR · the 22.84 SAR price screens below the 25.35 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.
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Arab National Bank provides various banking products and services in the Kingdom of Saudi Arabia, Other GCC and the Middle East, Europe, North America, Latin America, Southeast Asia, and internationally. It operates through Retail Banking, Corporate Banking, Treasury, and Investment and Brokerage Services segments.
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Arab National Bank provides various banking products and services in the Kingdom of Saudi Arabia, Other GCC and the Middle East, Europe, North America, Latin America, Southeast Asia, and internationally. It operates through Retail Banking, Corporate Banking, Treasury, and Investment and Brokerage Services segments. The company offers savings, Murabaha, and SME accounts; time deposits; personal, auto lease, and real estate loans; credit and debit cards; digital wallets; and investment products for individuals. It also provides loans and advances, deposits, and other credit products for corporate and institutional customers, and small and medium sized businesses; and investment management services, as well as asset management services related to dealing, managing, arranging, advising, and custody of securities. In addition, the company offers corporate and commercial banking, project and structured finance, and vision realization solutions; treasury services, such as market related products and services, international instruments, investments, government bonds and sukuk, and e-trader solutions; and transaction banking solutions comprising corporate online access, merchant solutions, collections solutions, liquidity management solutions, specialized market solutions, fintech and open banking solutions, financial solutions, guaranteed bonds, and collection documentary bills. Further, it engages in leasing of heavy equipment; and investment, purchasing, sale, and leasing of land and real estate properties, as well as provides trading and supply chain finance. Arab National Bank was founded in 1979 and is headquartered in Riyadh, the Kingdom of Saudi Arabia.
Stock analysis
Arab National Bank (1080) currently trades at 22.84 SAR, while our model-based Fair Value estimate is 25.35 SAR, implying the stock looks roughly 9.9% undervalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of 33.51 SAR per share, and 3 of the 6 models we run sit above the 22.84 SAR price.
Bear case: the Asset-Based group reads lowest at 16.70 SAR, and 3 of the 6 models stay below the price. Evidence for this calculation is high.
Scenario range: 22.54 SAR (bear) to 40.87 SAR (bull), the price of 22.84 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 43/100 (below-average quality), in the Financial Services sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Arab National Bank reported revenue of 9.9B SAR in FY2025 versus 5.8B SAR in FY2021, a compound +14.4%/yr. Reported net income was 5.1B SAR in FY2025, compounding +23.8%/yr from FY2021.
Key figures
Market cap 45.6B SAR (≈ $12.1B) · P/E ratio 8.6 · P/S ratio 4.46 · EPS (TTM) 2.65 SAR · Dividend yield 5.7% · Net margin 51.8% · Return on equity 11.0% · 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 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 −38% fair-value upside, at 11%, 1080 screens cheaper than that median.
Fair Value models
Bear 22.54 SARFair Value 25.35 SARBull 40.87 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 (1.01 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
+4.3%
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.
+13.0%
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.
+11.1%
Start year 2020 (pandemic). Over 10 years: +5.6% a year
Revenue growth 11 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.
+5.6%
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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.
+17.8%
Earnings growth per share plus dividend.
Earnings per share, growth per year+12.1%
Dividend (yield on the price)5.7%
Per share before 2014divided by the spin-off factor 1.176
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.12.1% vs 3.0%, 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.44% → 61%
Start year 2020 (pandemic)
Growth Forecast
A lot of optimism in the price
The price assumes about as much growth as the company has delivered so far and more than analysts expect.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+13.8%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect ⓘAnalysts publish sales forecasts for the next two fiscal years. For the years after that, growth slows evenly to 2 % a year by year ten (2 % is the long-run rate our models use). Projected years are marked as such.
+5.9%
Yearly sales growth analysts expect, extended to five years.
After inflation (Saudi Arabia: IMF forecast 2.1% a year to 2030, 1.7% from 2016 to 2025) that is about +11.5% a year for the price and +3.7% for the forecasts.
Price, fair value, quality and upside side by side.
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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 · 1056 stocks
Beats the industry median on 10/14 measures
Overall it ranks above its industry peers.
Valuation
Quality Score41 · Bottom 25%
Fair Value upside+11.0% · Above median
Profitability
Return on equity (TTM)11.0% · Above median
Return on assets1.9% · Top 25%
Net margin (TTM)55.1% · Top 25%
Operating margin (TTM)65.1% · Top 25%
Growth and dividend
Revenue growth8.7% · Below median
Dividend yield (TTM)5.7% · Top 25%
Balance sheet
Debt / equity0.04× · Lowest 25%
Valuation Multiplesvs Banks - Regional median · lower = cheaper
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Cite: Fair Value Calculator (2026). "Arab National Bank Fair Value". https://www.fairvalue-calculator.com/stock/1080
Frequently asked questions
Is Arab National Bank (1080) overvalued or undervalued?
As of Sep 27, 2026, our model estimates a fair value of 25.35 SAR versus a price of 22.84 SAR, about +11% upside (undervalued).
What is the fair value of 1080?
Our model-based fair value for Arab National Bank is 25.35 SAR (as of Sep 27, 2026), built from audited fundamentals. The current price: 22.84 SAR.
What is the quality score of 1080?
Arab National Bank has a Quality Score of 43/100. 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 Arab National Bank (1080)?
Our model-based price target is the fair value of 25.35 SAR (as of Sep 27, 2026) from 6 valuation models. Cautious scenario 22.54 SAR, optimistic scenario 40.87 SAR. It is a calculation from audited fundamentals, not an analyst target.
What is the Arab National Bank stock forecast for 2026?
Our models put fair value at 25.35 SAR, about +11% upside versus a price of 22.84 SAR (undervalued). Cautious scenario 22.54 SAR, optimistic scenario 40.87 SAR. The calculation is refreshed regularly with new filings.
What is the revenue of Arab National Bank (1080)?
Arab National Bank reported trailing-twelve-month revenue of about 9.5B SAR (latest available figure, as of Sep 27, 2026).
Does Arab National Bank pay a dividend?
Arab National Bank currently shows a dividend yield of about 5.69% relative to its recent price (as of Sep 27, 2026).
What growth is priced into Arab National Bank (1080)?
For today's price to be fair in a discounted-cash-flow model, Arab National Bank would have to grow free cash flow by +13.8 % per year for five years (discount rate 8.6 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +11.1 % per year. As of Sep 27, 2026.
What discount rate (WACC) does the fair value of 1080 use?
Our models discount Arab National Bank at 8.6 %: a base by market capitalisation (large), damped by beta 0.05, country premium for Saudi Arabia. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Arab National Bank that is +13.8 % per year a year over ten years, using the same discount rate (8.6 %) and the same formula as our fair value.
How much growth has Arab National Bank (1080) delivered so far?
Over the past 5 years revenue at Arab National Bank grew +11.1 % a year. The price currently implies +13.8 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Arab National Bank (1080) growing?
The median revenue growth in the sector is +9.1 % a year. That is the yardstick for the growth priced into Arab National Bank (+13.8 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Arab National Bank (1080)?
The free-cash-flow yield on the price is 2.40 %: that much free cash flow Arab National Bank produces per unit of market value. When it exceeds the discount rate of our models (8.6 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Arab National Bank (1080)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Arab National Bank it is 25.35 SAR per share (as of Sep 27, 2026), against a price of 22.84 SAR. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Arab National Bank stock overvalued or undervalued in 2026?
As of Sep 27, 2026, 1080 trades below its calculated fair value: price 22.84 SAR, fair value 25.35 SAR, a gap of about +11% (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 1080?
No. The price is what the market pays today (22.84 SAR); the fair value is what the company's own numbers justify (25.35 SAR). For Arab National Bank the two are 2.51 SAR per share apart. That gap is exactly why we show both numbers side by side.
How much is Arab National Bank worth?
The market values Arab National Bank at about 45.6B SAR (market capitalisation, as of Sep 27, 2026). Per share that is 22.84 SAR; our models calculate a fair value of 25.35 SAR per share.
What do the bullish and bearish scenarios say about 1080?
Our models span a range for Arab National Bank: cautious scenario 22.54 SAR, base 25.35 SAR, optimistic 40.87 SAR per share (as of Sep 27, 2026, price 22.84 SAR). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 1080?
Arab National Bank trades at a price-to-earnings ratio of 8.6 (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 25.35 SAR is built from several models across several years. Other multiples: P/B 0.9, P/S 4.8, EV/EBITDA 5.3.
How solid is the balance sheet of Arab National Bank (1080)?
Balance-sheet figures for Arab National Bank (as of Sep 27, 2026): return on equity 11.0%, debt of 0.04 per unit of equity. They feed the Quality Score of 43/100, which measures business quality independently of the share price.
How far is 1080 from its 52-week high?
Arab National Bank trades at 22.84 SAR, about 7% below its 52-week high of 24.45 SAR and 18% above the low of 19.37 SAR (as of Sep 29, 2026). Distance from the high says nothing about value: that is what the fair value of 25.35 SAR is for.
Which stocks are comparable to Arab National Bank?
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 Arab National Bank stock attractive at the current price?
The data as of Sep 27, 2026: price 22.84 SAR, calculated fair value 25.35 SAR (+11%), Quality Score 43/100, 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 1080 calculated?
We run Arab National Bank 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 25.35 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. Arab National Bank currently trades 10 % 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 Arab National Bank (1080)?
The closing price on Sep 29, 2026 was 22.84 SAR. Our model-based fair value is 25.35 SAR, about +11% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Arab National Bank right now?
A fairly wide model range (22.54 SAR to 40.87 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 Arab National Bank (1080) come from?
Earnings per share at Arab National Bank grew +2.5 % a year from 2014 to 2025. Broken into its drivers: revenue per share +2.4 %, EBIT margin +1.6 %, tax rate −1.7 %, residual (interest, one-offs) +0.2 %. 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 Arab National Bank
How large is the market capitalisation of Arab National Bank (1080)?
The market capitalisation of Arab National Bank is 45.6B SAR (≈ $12.1B). 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 Arab National Bank (1080)?
The price-to-sales ratio of Arab National Bank is 4.46 (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 Arab National Bank (1080)?
Earnings per share at Arab National Bank are 2.65 SAR (price ÷ EPS = P/E 8.6). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Arab National Bank (1080)?
The dividend yield of Arab National Bank is 5.7% (payout 49.1%). 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 Arab National Bank (1080)?
The net margin of Arab National Bank is 51.8% (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 Arab National Bank (1080)?
The return on equity (ROE) of Arab National Bank is 11.0% (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 Arab National Bank (1080)?
On an EBIT basis the return on assets of Arab National Bank 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 Arab National Bank (1080)?
The operating margin of Arab National Bank is 65.1% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Arab National Bank (1080)?
Revenue at Arab National Bank is growing +8.7% versus a year earlier (3y avg +13.0%). 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 Arab National Bank (1080)?
Earnings per share at Arab National Bank are growing +6.9% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net cash does Arab National Bank (1080) hold?
Arab National Bank holds more cash than debt, 13.2B SAR net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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