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

As of Nov 12, 2026: fair value (intrinsic value) of Bank Albilad stock SAR 18.00, price SAR 21.66, that is 16.9% below the price, quality 50 out of 100. Rating: overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services SA · ISIN SA000A0D9HK3

BA Bank Albilad logo Broad data Nov 12, 2026

Bank Albilad

1140 · SR

Expensive (fair value 17% below the price), company just short of the bar and falling price: meets none of the 3 rules.

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Healthy Growth (revenue 5y +21.2 %/yr in SAR) 
Highly profitable · 50.1% net margin (TTM) 
4.8% dividend yield · Low payout
Ranks above peers (10/14) 
Broad data 
Quality 50/100 
Wide moat 70/100 · thin data
Fair value 18.00 SAR · Overvalued 
Falling price (downtrend) 

Main risks:

🚩Fintechs like STC Bank and Tamara
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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 18.06 SAR Fair Value 18.00 SAR Aug 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 12, 2026.

How to read this chart

60‑month range 18.06 SAR – 34.13 SAR · fair‑value band 13.41 SAR – 27.56 SAR · the 21.66 SAR price screens above the 18.00 SAR fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 12, 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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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 21.66 SAR, while our model-based Fair Value estimate is 18.00 SAR, 17% 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 22.05 SAR per share, and 1 of the 6 models we run sit above the 21.66 SAR price.

Bear case: the Asset-Based group reads lowest at 8.45 SAR, and 5 of the 6 models stay below the price. Data coverage for this calculation is high.

Scenario range: 13.41 SAR (bear) to 27.56 SAR (bull), the price of 21.66 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 50/100 (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 32.3B SAR (≈ $8.6B) Mid · P/E ratio 11.0 · P/S ratio 5.25 · EPS (TTM) 1.97 SAR · Dividend yield 4.8% · Net margin 50.1% · Return on equity 14.0% · Return on assets (EBIT) 1.9% (5-year average).

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 70 out of 100 (low confidence).

What moves the price

The share trades about 20% below its 52-week high and 9% 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 −17%, 1140 screens cheaper than that median.

Fair Value models

Bear 13.41 SAR Fair Value 18.00 SAR Bull 27.56 SAR
Price 21.66 SAR · Downside -16.9%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then (0.8041 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. Coverage ⓘCoverage = 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.
Best data coverage
Residual Income 13.41 SAR 18.00 SAR 29.71 SAR 73
Gordon GGM 4.44 SAR 9.23 SAR 14.66 SAR 66
DDM Multi-Stage 4.44 SAR 7.78 SAR 9.69 SAR 66
All 6 models by family
Dividend Discount
Gordon GGM 4.44 SAR 9.23 SAR 14.66 SAR 66
DDM Multi-Stage 4.44 SAR 7.78 SAR 9.69 SAR 66
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 13.41 SAR 18.00 SAR 29.71 SAR 73

Open the full fair value analysis →

Quality Score breakdown

Overall quality 50/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 39
How much profit the company makes from its sales and capital
Quality Growth 43
Are margins and returns getting better?
Cashflow 88
Do the profits arrive as real cash?
Financial strength 19
Debt, balance sheet and risk of trouble
Investment 57
Does it invest with discipline instead of growing at any price?
Low Volatility 95
How calm the share price moves, does not count
Price momentum 24
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 21
Distance to the 52-week high, does not count
New shares 40
Buys back shares or issues new ones?

Open the full quality analysis →

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.
+13.4%
Earnings growth per share plus dividend.
Earnings per share, growth per year+8.6%
Dividend (yield on the price)4.8%
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%
Pace: the 5-year rate starts in 2020 (pandemic)

1140 screens overvalued: fair value 17% below the price. Compare with China Merchants Bank Co →

Note from the team Oct 25, 2026
AI conclusion: Solid ROE and margins backed by double-digit financing and deposit growth form the main strength, while the lack of a durable moat in a competitive regional banking sector is the key weakness.
Main risk: Digital banks and BNPL providers such as STC Bank, Tamara and Hala could draw retail and SME customers away from traditional deposit and financing products, squeezing margins on core banking services.
Bull case: By deepening its digital platforms and fintech partnerships the bank could integrate advanced cash-management and open-banking features to defend and expand its customer base in a Shariah-compliant ecosystem.
Bear case: Continued gains by agile digital rivals in payments and consumer finance could erode the bank's share of high-margin retail and SME segments, constraining long-term revenue growth.
Bank Albilad expanded its financing book and deposits by double digits in the first nine months while investment income rose, yet third-quarter profit declined as credit loss provisions jumped sharply and operating costs increased. This creates tension between visible balance sheet growth and mounting risk charges in a regional bank. Our models see the shares as overvalued. Will the portfolio expansion ultimately lift returns enough to offset higher impairments or will provisions continue to limit profitability gains?
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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 · 999 stocks

Beats the industry median on 10/14 measures
Overall it ranks above its industry peers.
Valuation
Quality Score 50 · Below median
Fair Value upside −16.9% · Above median
Profitability
Return on equity (12 months) 14.0% · Top 25%
Return on assets 1.8% · Top 25%
Net margin (12 months) 50.1% · Top 25%
Operating margin (12 months) 53.8% · Top 25%
Growth and dividend
Revenue growth (quarter YoY) 2.1% · Below median
Dividend yield (12 months) 4.8% · Top 25%
Balance sheet
Debt / equity 0.11× · Below median

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 11.0× · Cheaper than median
P/B 1.71× · Priciest 25%
P/S (12 months) 5.25× · Priciest 25%
Price / free cash flow (fiscal year) 8.2× · Cheaper than median
EV/EBITDA 6.7× · Cheaper than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)11 · sector 8
FUTURE (revenue growth)11 · sector 47
PAST (return on equity)56 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)97 · sector 52

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

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 Compare
Postal Savings Bank of China Co 601658 ¥5.69 ¥7.59 +33% vs 1140
China Merchants Bank Co 600036 ¥42.93 ¥52.73 +23% vs 1140
BNP Paribas SA BNP €95.57 €107.43 +12% vs 1140
Intesa Sanpaolo S.p.A ISP €6.26 €4.91 −22% vs 1140
UniCredit S.p.A UCG €83.68 €58.08 −31% vs 1140
Oversea-Chinese Banking Corporation O39 28.53 SGD 18.20 SGD −36% vs 1140
DBS Group D05 69.90 SGD 40.39 SGD −42% vs 1140
Mizuho Financial Group MFG $10.34 $5.84 −44% vs 1140
HDFC Bank Limited HDFCBANK ₹804.00 ₹406.39 −49% vs 1140
ICICI Bank Limited ICICIBANK ₹1,584 ₹615.63 −61% vs 1140

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Bank Albilad: fair value per Fair Value Calculator

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 Nov 12, 2026, our model estimates a fair value of 18.00 SAR versus a price of 21.66 SAR, about 17% lower (overvalued).
What is the fair value of 1140?
Our model-based fair value for Bank Albilad is 18.00 SAR (as of Nov 12, 2026), built from audited fundamentals. The current price: 21.66 SAR.
What is the quality score of 1140?
Bank Albilad has a Quality Score of 50/100. 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 Nov 12, 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 17% lower versus a price of 21.66 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 6.2B SAR (latest available figure, as of Nov 12, 2026).
Does Bank Albilad pay a dividend?
Bank Albilad currently shows a dividend yield of 4.85% relative to its recent price (as of Nov 12, 2026).
How much is the dividend of Bank Albilad (1140) and when is the ex-dividend date?
Bank Albilad pays a dividend of 1.05 SAR per share a year, a dividend yield of 4.8%. The last ex-dividend date was Aug 2, 2026. The payout ratio is 53.3% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.
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 Nov 12, 2026), against a price of 21.66 SAR. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Bank Albilad stock overvalued or undervalued in 2026?
As of Nov 12, 2026, 1140 trades above its calculated fair value: price 21.66 SAR, fair value 18.00 SAR, a gap of about −17% (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 (21.66 SAR); the fair value is what the company's own numbers justify (18.00 SAR). For Bank Albilad the two are 3.66 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 32.3B SAR (market capitalisation, as of Nov 12, 2026). Per share that is 21.66 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 Nov 12, 2026, price 21.66 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 11.0 (as of Nov 12, 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 1.7, P/S 5.2, EV/EBITDA 6.7.
How solid is the balance sheet of Bank Albilad (1140)?
Balance-sheet figures for Bank Albilad (as of Nov 12, 2026): return on equity 14.0%, debt of 0.11 per unit of equity. They feed the Quality Score of 50/100, which measures business quality independently of the share price.
How far is 1140 from its 52-week high?
Bank Albilad trades at 21.66 SAR, about 20% below its 52-week high of 27.20 SAR and 9% above the low of 19.80 SAR (as of Nov 12, 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 China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, 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 Nov 12, 2026: price 21.66 SAR, calculated fair value 18.00 SAR (−17%), Quality Score 50/100, 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 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of 18.00 SAR builds on their evidence-weighted average, 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 14.1% 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 Nov 12, 2026 was 21.66 SAR. Our model-based fair value is 18.00 SAR, about 17% lower (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 (50/100) 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 32.3B SAR (≈ $8.6B). 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 5.25 (last twelve months). 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 1.97 SAR (price ÷ EPS = P/E 11.0). 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 4.8% (payout 53.3%). 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 50.1% (last twelve months). 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 53.8% (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 2.1% 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 down 9.8% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Bank Albilad (1140) generate?
The free cash flow of Bank Albilad is 3.9B SAR (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
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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