Al Rajhi Banking and Investment Corporation (1120) Fair Value & Analysis
Financial Services · SA · Market cap 376B SAR
Fair value as of: Jul 30, 2026
From 17 valuation models · updated today
Share price −5.1% over the past month.
What matters now
- Solid but not exceptional quality (49/100) and above fair value, neither a clear bargain nor a standout compounder.
- 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 58.59 SAR – 72.14 SAR · fair‑value band 40.29 SAR – 67.14 SAR · the 62.55 SAR price screens above the 53.72 SAR fair value. As of Jul 30, 2026.
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Al Rajhi Banking and Investment Corporation (1120) currently trades at 62.55 SAR, while our model-based Fair Value estimate is 53.72 SAR, implying the stock looks roughly 14.1% overvalued today. We read business quality at 49/100 (below-average quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: high).
Over the trailing twelve months, Al Rajhi Banking and Investment Corporation generated revenue of 39.0B SAR at a net margin of 68.0%. Revenue grew 11.1% year over year. It earns a return on equity of 18.5%. The balance sheet holds a net cash position of 1.2B SAR. Fundamentals as of Jul 30, 2026
Our scenario range runs from 40.29 SAR (bear case) to 67.14 SAR (bull case); at 62.55 SAR, the current price sits within that range. The share trades about 16% below its 52-week high and 7% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 31% fair-value upside, at -14%, 1120 screens richer than that median.
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 30, 2026. TTM = trailing twelve months.
Quality Score breakdown
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
Al Rajhi Banking and Investment Corporation, together with its subsidiaries, provides banking and investment services in the Kingdom of Saudi Arabia and internationally. The company operates through four segments: Retail; Corporate; Treasury; and Investment Services, Brokerage, and Other.
Full company description
Al Rajhi Banking and Investment Corporation, together with its subsidiaries, provides banking and investment services in the Kingdom of Saudi Arabia and internationally. The company operates through four segments: Retail; Corporate; Treasury; and Investment Services, Brokerage, and Other. It offers current, dependent, hassad, family, future, million, and smart saving accounts; personal, auto, real estate, fleet, payroll, POS finance, e- commerce, contract, equipment, and invoice financing; credit, prepaid, charge credit, cashback, business, corporate, and miles cards; motor, travel, saving and protection programs, family protection, home, single premium, medical malpractice, domestic helper, visit visa, cyber, private pension plan, and employee fidelity, engineering, premium medical, marine, medical, cash in transit, liability, machinery breakdown, and property insurances; and cash management services. The company also provides ATM facilities; and investments of individuals and corporates in mutual funds, local and international share trading services, investment portfolios, and others. In addition, it offers letter of guarantee, documentary collection, supply chain finance, and letter of credit services. Al Rajhi Banking and Investment Corporation was founded in 1957 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
Al Rajhi Banking and Investment Corporation reported revenue of 71.8B SAR in FY2025 versus 25.6B SAR in FY2021, a compound +29.4%/yr. Reported net income was 24.8B SAR in FY2025, compounding +13.9%/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.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Jul 30, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| PT Bank Central Asia Tbk BBCA | 6,225 IDR | 6,617 IDR | +6% |
| KB Financial Group 105560 | 157,000 KRW | 205,701 KRW | +31% |
| PT Bank Rakyat Indonesia (Persero) Tbk BBRI | 2,590 IDR | 5,180 IDR | +100% |
| PT Bank Mandiri (Persero) Tbk BMRI | 4,260 IDR | 8,520 IDR | +100% |
| Banco Bradesco S.A BBD | 5,120 ARS | 10,240 ARS | +100% |
| Shinhan Financial Group 055550 | 98,200 KRW | 119,210 KRW | +21% |
| Hana Financial Group 086790 | 123,600 KRW | 112,429 KRW | -9% |
| Lloyds Banking Group LYG | 4,138 ARS | 8,275 ARS | +100% |
| Banco de Chile, CHILE | 178.10 CLP | 92.69 CLP | -48% |
| Joint Stock Commercial Bank for Foreign Trade of Vietnam, VCB | 61,700 VND | 63,824 VND | +3% |
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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.
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