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Alinma Bank (1150) fair value: what the stock is really worth

As of Nov 12, 2026: fair value (intrinsic value) of Alinma Bank stock SAR 21.33, price SAR 21.98, that is 3.0% below the price, quality 31 out of 100. Rating: fairly valued. 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 SA122050HV19

AB Alinma Bank logo Broad data Nov 11, 2026

Alinma Bank

1150 · SR

Rising price, but the stock is already about fairly priced and weak company: meets 1 of 3 rules.

Get notified free when this changes
Rising price (uptrend) 
Highly profitable · 58.9% net margin (TTM) 
Ranks above peers (8/12) 
Broad data 
Fair value 21.33 SAR · Fairly valued 
Expensive Growth (revenue 5y +15.8 %/yr in SAR) 
Wide moat 67/100 · thin data
Quality 31/100 

Main risks:

🚩Digital banks and fintechs could take customers🚩SAMA fee caps could cut commission income
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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

977,915 SAR 12.28 SAR Fair Value 21.33 SAR Aug 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 11, 2026.

How to read this chart

60‑month range 12.28 SAR – 977,915 SAR · fair‑value band 15.62 SAR – 31.14 SAR · the 21.98 SAR price screens above the 21.33 SAR fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 11, 2026.

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Company profile

Alinma Bank provides banking and investment services in the Kingdom of Saudi Arabia. It operates through Retail Banking, Corporate Banking, Treasury, and Investment and Brokerage segments.

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The company provides various banking services, including current, education, and family accounts; self-service banking services; debit, credit, traveler, purchase, and prepaid cards; point of sale services; car, real estate, personal, and education financing, as well as SME, kafalah program, business payroll, assets, business invoices, and receivables financing; and bill payment services.

It also offers treasury, letters of guarantee, documentary collection, import and export letters of credit, and guarantee verification services; cash management services; corporate partner services; financing and investment products; financial services; and payroll management and e-payment gateway services.

In addition, the company provides investment management, asset management, custodianship, advisory, underwriting, and brokerage services; and operates as an insurance agent. Further, it offers digital banking services.

The company provides its services to individuals, corporates, SMEs, and institutional customers. Alinma Bank was founded in 2006 and is headquartered in Riyadh, the Kingdom of Saudi Arabia.

Stock analysis

Alinma Bank (1150) currently trades at 21.98 SAR, while our model-based Fair Value estimate is 21.33 SAR, so the stock looks roughly fairly valued today (gap 3.1%).

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Valuation

Bull case: the Multiples group reads highest at a median of 24.91 SAR per share, and 2 of the 6 models we run sit above the 21.98 SAR price.

Bear case: the Asset-Based group reads lowest at 10.57 SAR, and 4 of the 6 models stay below the price. Data coverage for this calculation is high.

Scenario range: 15.62 SAR (bear) to 31.14 SAR (bull), the price of 21.98 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 31/100 (below-average quality), in the Financial Services sector.

Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.

Alinma Bank reported revenue of 11.8B SAR in FY2025 versus 6.7B SAR in FY2021, a compound +15.5%/yr. Reported net income was 6.4B SAR in FY2025, compounding +24.0%/yr from FY2021.

Key figures

Market cap 66.7B SAR (≈ $17.8B) Large · P/E ratio 11.2 · P/S ratio 6.95 · EPS (TTM) 1.96 SAR · Dividend yield 4.6% · Net margin 58.9% · Return on equity 13.2% · Return on assets (EBIT) 2.1% (5-year average).

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 67 out of 100 (low confidence).

What moves the price

The share trades about 15% below its 52-week high and 12% 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 −3%, 1150 screens cheaper than that median.

Fair Value models

Bear 15.62 SAR Fair Value 21.33 SAR Bull 31.14 SAR
Price 21.98 SAR · Downside -3.0%
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 (1.71 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 15.62 SAR 19.37 SAR 27.73 SAR 75
DDM Multi-Stage 9.83 SAR 17.53 SAR 22.25 SAR 66
Gordon GGM 9.83 SAR 21.33 SAR 35.62 SAR 65
All 6 models by family
Dividend Discount
Gordon GGM 9.83 SAR 21.33 SAR 35.62 SAR 65
DDM Multi-Stage 9.83 SAR 17.53 SAR 22.25 SAR 66
Multiples
P/E Multiple 20.79 SAR 27.72 SAR 34.65 SAR 63
P/B Multiple 16.57 SAR 22.09 SAR 27.62 SAR 55
Asset-Based
NCAV (Graham) 7.89 SAR 10.57 SAR 15.78 SAR 51
Economic Profit
Residual Income 15.62 SAR 19.37 SAR 27.73 SAR 75

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Quality Score breakdown

Overall quality 31/100

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

Profitability 38
How much profit the company makes from its sales and capital
Quality Growth 51
Are margins and returns getting better?
Cashflow 0
Do the profits arrive as real cash?
Financial strength 17
Debt, balance sheet and risk of trouble
Investment 31
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 38
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 40
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. 62/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+8.3%
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.
+14.1%
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.
+15.8%
Start year 2020 (pandemic). Over 10 years: +14.9% a year
Revenue growth 17 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.
+18.3%
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.
+19.7%
Earnings growth per share plus dividend.
Earnings per share, growth per year+15.1%
Dividend (yield on the price)4.6%
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.15.1% vs 13.3%, 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.39% → 60%
Pace: the 5-year rate starts in 2020 (pandemic)

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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 8/12 measures
Overall it ranks above its industry peers.
Valuation
Quality Score 31 · Bottom 25%
Fair Value upside −3.0% · Above median
Profitability
Return on equity (12 months) 13.2% · Above median
Return on assets 2.1% · Top 25%
Net margin (12 months) 58.9% · Top 25%
Operating margin (12 months) 65.1% · Top 25%
Growth and dividend
Revenue growth (quarter YoY) 0.5% · Bottom 25%
Dividend yield (12 months) 4.6% · Top 25%

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 11.2× · Cheaper than median
P/B 1.61× · Priciest 25%
P/S (12 months) 6.95× · Priciest 25%
EV/EBITDA 8.3× · Cheaper than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)29 · sector 8
FUTURE (revenue growth)3 · sector 47
PAST (return on equity)53 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)92 · 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 1150
China Merchants Bank Co 600036 ¥42.93 ¥52.73 +23% vs 1150
BNP Paribas SA BNP €95.57 €107.43 +12% vs 1150
Intesa Sanpaolo S.p.A ISP €6.26 €4.91 −22% vs 1150
UniCredit S.p.A UCG €83.68 €58.08 −31% vs 1150
Oversea-Chinese Banking Corporation O39 28.53 SGD 18.20 SGD −36% vs 1150
DBS Group D05 69.90 SGD 40.39 SGD −42% vs 1150
Mizuho Financial Group MFG $10.34 $5.84 −44% vs 1150
HDFC Bank Limited HDFCBANK ₹804.00 ₹406.39 −49% vs 1150
ICICI Bank Limited ICICIBANK ₹1,584 ₹615.63 −61% vs 1150

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Alinma Bank: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Alinma Bank Fair Value". https://www.fairvalue-calculator.com/stock/1150

Frequently asked questions

Is Alinma Bank (1150) overvalued or undervalued?
As of Nov 11, 2026, our model estimates a fair value of 21.33 SAR versus a price of 21.98 SAR, about 3% lower (fairly valued).
What is the fair value of 1150?
Our model-based fair value for Alinma Bank is 21.33 SAR (as of Nov 11, 2026), built from audited fundamentals. The current price: 21.98 SAR.
What is the quality score of 1150?
Alinma Bank has a Quality Score of 31/100. 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 Alinma Bank (1150)?
Our model-based price target is the fair value of 21.33 SAR (as of Nov 11, 2026) from 6 valuation models. Cautious scenario 15.62 SAR, optimistic scenario 31.14 SAR. It is a calculation from audited fundamentals, not an analyst target.
What is the Alinma Bank stock forecast for 2026?
Our models put fair value at 21.33 SAR, about 3% lower versus a price of 21.98 SAR (fairly valued). Cautious scenario 15.62 SAR, optimistic scenario 31.14 SAR. The calculation is refreshed regularly with new filings.
What is the revenue of Alinma Bank (1150)?
Alinma Bank reported trailing-twelve-month revenue of about 11.2B SAR (latest available figure, as of Nov 11, 2026).
Does Alinma Bank pay a dividend?
Alinma Bank currently shows a dividend yield of 4.61% relative to its recent price (as of Nov 11, 2026).
How much is the dividend of Alinma Bank (1150)?
Alinma Bank has a dividend yield of 4.6%.
What is the intrinsic value of Alinma Bank (1150)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Alinma Bank it is 21.33 SAR per share (as of Nov 11, 2026), against a price of 21.98 SAR. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Alinma Bank stock overvalued or undervalued in 2026?
As of Nov 11, 2026, 1150 trades above its calculated fair value: price 21.98 SAR, fair value 21.33 SAR, a gap of about −3% (fairly valued). 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 1150?
No. The price is what the market pays today (21.98 SAR); the fair value is what the company's own numbers justify (21.33 SAR). For Alinma Bank the two are 0.6500 SAR per share apart. That gap is exactly why we show both numbers side by side.
How much is Alinma Bank worth?
The market values Alinma Bank at about 66.7B SAR (market capitalisation, as of Nov 11, 2026). Per share that is 21.98 SAR; our models calculate a fair value of 21.33 SAR per share.
What do the bullish and bearish scenarios say about 1150?
Our models span a range for Alinma Bank: cautious scenario 15.62 SAR, base 21.33 SAR, optimistic 31.14 SAR per share (as of Nov 11, 2026, price 21.98 SAR). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 1150?
Alinma Bank trades at a price-to-earnings ratio of 11.2 (as of Nov 11, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 21.33 SAR is built from several models across several years. Other multiples: P/B 1.6, P/S 6.9, EV/EBITDA 8.3.
How solid is the balance sheet of Alinma Bank (1150)?
Balance-sheet figures for Alinma Bank (as of Nov 11, 2026): return on equity 13.2%. They feed the Quality Score of 31/100, which measures business quality independently of the share price.
How far is 1150 from its 52-week high?
Alinma Bank trades at 21.98 SAR, about 15% below its 52-week high of 25.90 SAR and 12% above the low of 19.63 SAR (as of Nov 12, 2026). Distance from the high says nothing about value: that is what the fair value of 21.33 SAR is for.
Which stocks are comparable to Alinma Bank?
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 Alinma Bank stock attractive at the current price?
The data as of Nov 11, 2026: price 21.98 SAR, calculated fair value 21.33 SAR (−3%), Quality Score 31/100, 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 1150 calculated?
We run Alinma Bank through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of 21.33 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 13.9% above its aggregate fair value. Alinma Bank 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 Alinma Bank (1150)?
The closing price on Nov 12, 2026 was 21.98 SAR. Our model-based fair value is 21.33 SAR, about 3% lower (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Alinma Bank right now?
The price sits close to our fair value, market and models broadly agree here, little valuation tension. A fairly wide model range (15.62 SAR to 31.14 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 Alinma Bank (1150) come from?
Earnings per share at Alinma Bank grew +13.9 % a year from 2014 to 2025. Broken into its drivers: revenue per share +12.8 %, EBIT margin +2.2 %, 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 Alinma Bank

How large is the market capitalisation of Alinma Bank (1150)?
The market capitalisation of Alinma Bank is 66.7B SAR (≈ $17.8B). 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 Alinma Bank (1150)?
The price-to-sales ratio of Alinma Bank is 6.95 (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 Alinma Bank (1150)?
Earnings per share at Alinma Bank are 1.96 SAR (price ÷ EPS = P/E 11.2). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Alinma Bank (1150)?
The dividend yield of Alinma Bank is 4.6% (payout 51.7%). 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 Alinma Bank (1150)?
The net margin of Alinma Bank is 58.9% (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 Alinma Bank (1150)?
The return on equity (ROE) of Alinma Bank is 13.2% (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 Alinma Bank (1150)?
On an EBIT basis the return on assets of Alinma Bank is 2.1% (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 Alinma Bank (1150)?
The operating margin of Alinma 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 Alinma Bank (1150)?
Revenue at Alinma Bank is growing 0.5% versus a year earlier (3y avg +14.1%). 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 Alinma Bank (1150)?
Earnings per share at Alinma Bank are down 8.3% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Alinma Bank (1150) generate?
The free cash flow of Alinma Bank is −3.5B 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 Alinma Bank (1150) carry?
The net debt of Alinma Bank is 110B SAR (fiscal year 2025). 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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