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Bank Albilad (1140) fair value: what the stock is really worth

As of Sep 30, 2026: fair value of Bank Albilad SAR 18.00, price SAR 23.81, upside -24.4%, quality 51 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? No
  2. Good quality? Yes
  3. Add to watchlist

Financial Services · SA · ISIN SA000A0D9HK3

BA Broad data Sep 30, 2026

Bank Albilad

1140 · SR

Overvalued / MonitorQuality is not strong enough to offset the price risk.

!Fair value 18.00 SAR · Overvalued (−24.4%)
!Quality 51/100
✓Healthy Growth (revenue 5y +21.2 %/yr)
✓Highly profitable · 50.8% net margin (TTM)
✓Low debt · generates free cash flow
✓4.4% dividend yield · Well covered
!Mixed vs. peers (8/14)
✓Wide moat 70/100
!Weak on valuation: 1 out of 100
!Weak on future: 22 out of 100
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

34.13 SAR 16.11 SAR Fair Value 18.00 SAR Jun 2021 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 30, 2026.

How to read this chart

60‑month range 16.11 SAR – 34.13 SAR · fair‑value band 13.41 SAR – 27.56 SAR · the 23.81 SAR price screens above the 18.00 SAR fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 30, 2026.

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Company profile

Bank Albilad, through its subsidiaries, provides various banking products and services in the Kingdom of Saudi Arabia. The company operates in four segments: Retail Banking, Corporate Banking, Treasury, and Investment Banking and Brokerage.

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Bank Albilad, through its subsidiaries, provides various banking products and services in the Kingdom of Saudi Arabia. The company operates in four segments: Retail Banking, Corporate Banking, Treasury, and Investment Banking and Brokerage. It offers current, savings, awaed albilad, tamayuz, corporate, and SME current accounts; personal financing products, such as financing Murabaha via Albilad app, shares financing, top-up financing, refinancing, buyout programs, finance against mortgage, and deferring finance instalments; real estate financing products; auto financing and leasing products; remittances; currency exchange services; corporate financing solutions, which include working capital, asset, and contract financing; overdrafts; and structured finance products. The company also provides cash management solutions; trade finance products comprising letters of guarantee, letters of credit, documentary collection, and Musharkah financing; money market; treasury services consisting of direct investment and foreign exchange services; SME financing solutions; SME programs, such as customs clearance, hajj and omrah, POS financing, franchise programs, contracts financing, and payroll financing programs; point of sale services; e-commerce payment platforms; investment management and asset management; and payroll services and wage protection systems. In addition, it offers credit, debit, Albilad mada, salary, and Medad prepaid cards; and internet and online banking services. Bank Albilad was incorporated in 2004 and is headquartered in Riyadh, the Kingdom of Saudi Arabia.

Stock analysis

Bank Albilad (1140) currently trades at 23.81 SAR, while our model-based Fair Value estimate is 18.00 SAR, 24.4% below the price, so the stock looks overvalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of 17.66 SAR per share, and 1 of the 6 models we run sit above the 23.81 SAR price.

Bear case: the Dividend Discount group reads lowest at 6.81 SAR, and 5 of the 6 models stay below the price. Evidence for this calculation is high.

Scenario range: 13.41 SAR (bear) to 27.56 SAR (bull), the price of 23.81 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 51/100 (solid quality), in the Financial Services sector.

Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.

Bank Albilad reported revenue of 11.2B SAR in FY2025 versus 4.6B SAR in FY2021, a compound +24.9%/yr. Reported net income was 3.0B SAR in FY2025, compounding +16.0%/yr from FY2021.

Key figures

Market cap 35.5B SAR (≈ $9.5B) · P/E ratio 12.0 · P/S ratio 3.28 · EPS (TTM) 1.98 SAR · Dividend yield 4.4% · Net margin 27.3% · Return on equity 14.0% · Return on assets (EBIT) 1.9%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 48 out of 100 (low confidence).

What moves the price

The share trades about 17% below its 52-week high and 2% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −38% fair-value upside, at −24%, 1140 screens cheaper than that median.

Fair Value models

Bear 13.41 SAR Fair Value 18.00 SAR Bull 27.56 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 (0.6981 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.
Highest evidence
Residual Income 12.95 SAR 17.32 SAR 27.83 SAR 74
Gordon GGM 3.95 SAR 7.88 SAR 11.93 SAR 67
DDM Multi-Stage 3.95 SAR 6.81 SAR 8.31 SAR 67
All 6 models by family
Dividend Discount
Gordon GGM 3.95 SAR 7.88 SAR 11.93 SAR 67
DDM Multi-Stage 3.95 SAR 6.81 SAR 8.31 SAR 67
Multiples
P/E Multiple 19.82 SAR 26.43 SAR 33.04 SAR 63
P/B Multiple 13.24 SAR 17.66 SAR 22.07 SAR 55
Asset-Based
NCAV (Graham) 6.31 SAR 8.45 SAR 12.61 SAR 54
Economic Profit
Residual Income 12.95 SAR 17.32 SAR 27.83 SAR 74

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Quality Score breakdown

Overall quality 51/100

Of which business quality 48 · Market factors (momentum, volatility) 49

Profitability 39
Margins and returns on capital today
Quality Growth 43
Are margins and returns improving?
Cashflow 88
Earnings quality: real cash, not paper profit
Fin. Strength 19
Balance sheet, leverage, solvency risk
Investment 57
Disciplined investing over empire-building
Low Volatility 97
Calm price path (market factor)
Momentum 37
Price trend over the last 3–12 months (market factor)
52W Momentum 14
Distance to the 52-week high (market factor)
Net Issuance 40
Share count: buybacks or dilution?

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Revenue & earnings trend

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. 100/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+97.5%
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.
+29.2%
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.
+21.2%
Start year 2020 (pandemic). Over 10 years: +17.7% 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.
+13.5%
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.
+13.0%
Earnings growth per share plus dividend.
Earnings per share, growth per year+8.6%
Dividend (yield on the price)4.4%
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.8.6% vs 9.6%, 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.35% → 30%
Start year 2020 (pandemic)

Growth Forecast

Little optimism in the price
The price assumes less growth than the company has delivered so far.
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).
−9.5%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (Saudi Arabia: IMF forecast 2.1% a year to 2030, 1.7% from 2016 to 2025) that is about −11.4% a year for the price.

1140 screens overvalued: fair value 24% below the price. Compare with DBS Group →

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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 · 1057 stocks

Beats the industry median on 8/14 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 50 · Below median
Fair Value upside −24.4% · Below median
Profitability
Return on equity (TTM) 14.0% · Top 25%
Return on assets 1.8% · Top 25%
Net margin (TTM) 50.8% · Top 25%
Operating margin (TTM) 56.7% · Top 25%
Growth and dividend
Revenue growth 4.4% · Below median
Dividend yield (TTM) 4.4% · Top 25%
Balance sheet
Debt / equity 0.11× · Lowest 25%

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (TTM) 12.0× · Pricier than median
P/B 1.88× · Priciest 25%
P/S (TTM) 5.80× · Priciest 25%
P/FCF 9.0× · Cheaper than median
EV/EBITDA 7.5× · Cheaper than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)1 · sector 12
FUTURE (revenue growth)22 · sector 47
PAST (return on equity)56 · sector 41
HEALTH (low debt)95 · sector 85
DIVIDEND (yield)88 · sector 53

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value
DBS Group D05 78.00 SGD 40.39 SGD −48%
China Merchants Bank Co 600036 ¥40.69 ¥52.73 +30%
UniCredit S.p.A UCG €83.95 €77.62 −8%
Intesa Sanpaolo S.p.A ISP €6.79 €4.02 −41%
Mizuho Financial Group MFG $11.07 $6.86 −38%
BNP Paribas SA BNP €99.30 €105.99 +7%
HDFC Bank Limited HDFCBANK ₹735.60 ₹406.44 −45%
Oversea-Chinese Banking Corporation O39 32.01 SGD 19.78 SGD −38%
CaixaBank, S.A CABK €13.23 €8.46 −36%
ICICI Bank Limited ICICIBANK ₹1,327 ₹615.71 −54%

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Bank Albilad · Fair Value
18.00 SAR −24%Fair Value
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Cite: Fair Value Calculator (2026). "Bank Albilad Fair Value". https://www.fairvalue-calculator.com/stock/1140

Frequently asked questions

Is Bank Albilad (1140) overvalued or undervalued?
As of Sep 30, 2026, our model estimates a fair value of 18.00 SAR versus a price of 23.81 SAR, about −24% upside (overvalued).
What is the fair value of 1140?
Our model-based fair value for Bank Albilad is 18.00 SAR (as of Sep 30, 2026), built from audited fundamentals. The current price: 23.81 SAR.
What is the quality score of 1140?
Bank Albilad has a Quality Score of 51/100. 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 Bank Albilad (1140)?
Our model-based price target is the fair value of 18.00 SAR (as of Sep 30, 2026) from 6 valuation models. Cautious scenario 13.41 SAR, optimistic scenario 27.56 SAR. It is a calculation from audited fundamentals, not an analyst target.
What is the Bank Albilad stock forecast for 2026?
Our models put fair value at 18.00 SAR, about −24% upside versus a price of 23.81 SAR (overvalued). Cautious scenario 13.41 SAR, optimistic scenario 27.56 SAR. The calculation is refreshed regularly with new filings.
What is the revenue of Bank Albilad (1140)?
Bank Albilad reported trailing-twelve-month revenue of about 6.1B SAR (latest available figure, as of Sep 30, 2026).
Does Bank Albilad pay a dividend?
Bank Albilad currently shows a dividend yield of about 4.41% relative to its recent price (as of Sep 30, 2026).
What growth is priced into Bank Albilad (1140)?
For today's price to be fair in a discounted-cash-flow model, Bank Albilad would have to grow free cash flow by -9.5 % per year for five years (discount rate 9.0 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +21.2 % per year. As of Sep 30, 2026.
What discount rate (WACC) does the fair value of 1140 use?
Our models discount Bank Albilad at 9.0 %: a base by market capitalisation (mid), damped by beta 0.30, 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 Bank Albilad that is -9.5 % per year a year over ten years, using the same discount rate (9.0 %) and the same formula as our fair value.
How much growth has Bank Albilad (1140) delivered so far?
Over the past 5 years revenue at Bank Albilad grew +21.2 % a year. The price currently implies -9.5 % 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 Bank Albilad (1140) growing?
The median revenue growth in the sector is +9.1 % a year. That is the yardstick for the growth priced into Bank Albilad (-9.5 % 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 Bank Albilad (1140)?
The free-cash-flow yield on the price is 11.10 %: that much free cash flow Bank Albilad produces per unit of market value. When it exceeds the discount rate of our models (9.0 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Bank Albilad (1140)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Bank Albilad it is 18.00 SAR per share (as of Sep 30, 2026), against a price of 23.81 SAR. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Bank Albilad stock overvalued or undervalued in 2026?
As of Sep 30, 2026, 1140 trades above its calculated fair value: price 23.81 SAR, fair value 18.00 SAR, a gap of about −24% (overvalued). 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 1140?
No. The price is what the market pays today (23.81 SAR); the fair value is what the company's own numbers justify (18.00 SAR). For Bank Albilad the two are 5.81 SAR per share apart. That gap is exactly why we show both numbers side by side.
How much is Bank Albilad worth?
The market values Bank Albilad at about 35.5B SAR (market capitalisation, as of Sep 30, 2026). Per share that is 23.81 SAR; our models calculate a fair value of 18.00 SAR per share.
What do the bullish and bearish scenarios say about 1140?
Our models span a range for Bank Albilad: cautious scenario 13.41 SAR, base 18.00 SAR, optimistic 27.56 SAR per share (as of Sep 30, 2026, price 23.81 SAR). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 1140?
Bank Albilad trades at a price-to-earnings ratio of 12.0 (as of Sep 30, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 18.00 SAR is built from several models across several years. Other multiples: P/B 1.9, P/S 5.8, EV/EBITDA 7.5.
How solid is the balance sheet of Bank Albilad (1140)?
Balance-sheet figures for Bank Albilad (as of Sep 30, 2026): return on equity 14.0%, debt of 0.11 per unit of equity. They feed the Quality Score of 51/100, which measures business quality independently of the share price.
How far is 1140 from its 52-week high?
Bank Albilad trades at 23.81 SAR, about 17% below its 52-week high of 28.73 SAR and 2% above the low of 23.25 SAR (as of Sep 30, 2026). Distance from the high says nothing about value: that is what the fair value of 18.00 SAR is for.
Which stocks are comparable to Bank Albilad?
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 Bank Albilad stock attractive at the current price?
The data as of Sep 30, 2026: price 23.81 SAR, calculated fair value 18.00 SAR (−24%), Quality Score 51/100, 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 1140 calculated?
We run Bank Albilad 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 18.00 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 14.7 % above its aggregate fair value. Bank Albilad itself currently trades above fair value. 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 Bank Albilad (1140)?
The closing price on Sep 30, 2026 was 23.81 SAR. Our model-based fair value is 18.00 SAR, about −24% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Bank Albilad right now?
Solid but not exceptional quality (51/100) and above fair value, neither a clear bargain nor a standout compounder. A fairly wide model range (13.41 SAR to 27.56 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 Bank Albilad (1140) come from?
Earnings per share at Bank Albilad grew +10.0 % a year from 2014 to 2025. Broken into its drivers: revenue per share +9.9 %, EBIT margin +1.3 %, tax rate −1.2 %, residual (interest, one-offs) +0.0 %. 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 Bank Albilad

How large is the market capitalisation of Bank Albilad (1140)?
The market capitalisation of Bank Albilad is 35.5B SAR (≈ $9.5B). 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 Bank Albilad (1140)?
The price-to-sales ratio of Bank Albilad is 3.28 (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 Bank Albilad (1140)?
Earnings per share at Bank Albilad are 1.98 SAR (price ÷ EPS = P/E 12.0). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Bank Albilad (1140)?
The dividend yield of Bank Albilad is 4.4% (payout 53.0%). 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 Bank Albilad (1140)?
The net margin of Bank Albilad is 27.3% (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 Bank Albilad (1140)?
The return on equity (ROE) of Bank Albilad is 14.0% (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 Bank Albilad (1140)?
On an EBIT basis the return on assets of Bank Albilad 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 Bank Albilad (1140)?
The operating margin of Bank Albilad is 56.7% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Bank Albilad (1140)?
Revenue at Bank Albilad is growing +4.4% versus a year earlier (3y avg +29.2%). 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 Bank Albilad (1140)?
Earnings per share at Bank Albilad are growing −5.9% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does Bank Albilad (1140) carry?
The net debt of Bank Albilad is 3.4B SAR (fiscal year 2025, ≈ 0.9 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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