Arab National Bank (1080) Fair Value & Analysis

Financial Services · SA · Market cap 43.0B SAR

What matters now

• The price is below even our cautious bear case (25.13 SAR). The market is more pessimistic than our downside scenario.
• Solid quality (50/100) 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 18.69 SAR – 24.45 SAR · fair‑value band 25.13 SAR – 41.88 SAR · the 21.70 SAR price screens below the 33.51 SAR fair value. As of Jul 31, 2026.

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Analysis

Arab National Bank (1080) currently trades at 21.70 SAR, while our model-based Fair Value estimate is 33.51 SAR, implying the stock looks roughly 54.4% undervalued today. We read business quality at 50/100 (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, Arab National Bank generated revenue of 9.5B SAR at a net margin of 55.1%. Revenue grew 8.7% year over year. It earns a return on equity of 11.0%. The balance sheet holds a net cash position of 13.2B SAR. Fundamentals as of Jul 31, 2026

Our scenario range runs from 25.13 SAR (bear case) to 41.88 SAR (bull case); at 21.70 SAR, the current price sits below that range. The share trades about 12% below its 52-week high and 13% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 21% fair-value upside, at 54%, 1080 screens cheaper than that median.

Key figures & financial health

Quality Score breakdown

About the company

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.

Full company description

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.

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

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

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.

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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.