Riyad Bank (1010) Fair Value & Analysis
Financial Services · SA · Market cap 81.7B SAR (≈ $21.8B) · ISIN SA0007879048
What is Riyad Bank really worth?
Below-average quality, trading 32% below our fair value of 30.26 SAR.
Strengths
Risks
For context
Fair value as of: Sep 3, 2026
From 6 valuation models · updated yesterday
Share price +2.5% over the past month.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
What matters now
- The large discount to fair value meets weak quality (44/100). That raises the risk this is a value trap rather than a bargain.
- The price is below even our cautious bear case (22.69 SAR). The market is more pessimistic than our downside scenario.
- 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 (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 3, 2026.
How to read this chart
60‑month range 14.95 SAR – 950,926 SAR · fair‑value band 22.69 SAR – 37.82 SAR · the 20.71 SAR price screens below the 30.26 SAR fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 3, 2026.
Analysis
Riyad Bank (1010) currently trades at 20.71 SAR, while our model-based Fair Value estimate is 30.26 SAR, implying the stock looks roughly 31.6% undervalued today. The Quality Score stands at 44/100 (below-average quality), in the Financial Services sector. Bull case: the Multiples group reads highest at a median of 26.53 SAR per share, and 5 of the 6 models we run sit above the 20.71 SAR price. Bear case: the Asset-Based group reads lowest at 12.70 SAR, and 1 of the 6 models stay below the price. Evidence for this calculation is medium.
Over the trailing twelve months, Riyad Bank generated revenue of 17.3B SAR at a net margin of 61.1%. Revenue grew 3.0% year over year. It earns a return on equity of 13.9%. Net debt stands at 1.1B SAR. Fundamentals as of Sep 3, 2026
Our scenario range runs from 22.69 SAR (bear case) to 37.82 SAR (bull case); at 20.71 SAR, the current price sits below that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. For context, the median of 10 Financial Services peers we cover trades at −10% fair-value upside, at 46%, 1010 screens cheaper than that median.
Fair Value models
This estimate rests on fiscal year 2025 figures, and about 8 months have passed since. In that time the company retained roughly 0.9792 SAR per share, which is 3.2 % of the fair value. The fair value deliberately does not add this in: the models value reported figures, not a projection.
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted, family-balanced blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small. Every input is real reported data, nothing guessed.
All 6 models by family
Widest divergence: Multiples (26.53 SAR) versus Asset-Based (12.70 SAR). Highest evidence: Residual Income (71).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Sep 3, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 38 · Market factors (momentum, volatility) 43
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.
All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.
About the company
Riyad Bank provides banking and investment services in the Kingdom of Saudi Arabia. It operates through the Retail Banking, Investment Banking and Brokerage, Corporate Banking, and Treasury and Investments segments. The Retail Banking segment offers deposits, credit, and investment products for individuals.
Full company description
Riyad Bank provides banking and investment services in the Kingdom of Saudi Arabia. It operates through the Retail Banking, Investment Banking and Brokerage, Corporate Banking, and Treasury and Investments segments. The Retail Banking segment offers deposits, credit, and investment products for individuals. Its Investment Banking and Brokerage segment provides investment management services, as well as asset management services related to dealing, managing, arranging, advising, and custody of securities. The Corporate Banking segment offers current accounts, deposits, loans, overdrafts, and other credit facilities for small to medium sized businesses. Its Treasury and Investments segment provides money market, trading, and treasury and derivative products and services, as well as manages investment portfolios. The company also offers credit cards; trade finance, payroll solution, point of sale; and cash deposit card; student account; time deposit; sweeping; personal, auto-lease, readymade and incomplete property, home equity, self-employed, and mortgage loans; working capital, contract, capital expenditure, and project financing; syndicated loan; Islamic banking products and services; foreign exchange products; and digital banking services. In addition, it owns, buys, and sells real estate; and acts as an agent for insurance products, as well as engages in systems analysis, application, operating systems development, hosting websites, financial technology solutions, and related activities. The company operates through a network of branches in the Kingdom of Saudi Arabia, the United Kingdom, the United States; and a representative office in Singapore and ATMs. Riyad Bank was incorporated in 1957 and is based 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
Riyad Bank reported revenue of 18.4B SAR in FY2025 versus 11.6B SAR in FY2021, a compound +12.2%/yr. Reported net income was 10.4B SAR in FY2025, compounding +14.7%/yr from FY2021.
of which total revenue +9.0 % · buybacks/dilution +0.0 %
Annual growth per factor. These are factors, not summands: multiplied they give the EPS growth rate, added they do not quite. Start and end points are 3-year averages (details on hover).
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Peer Group
Banks - Regional · 1071 stocks
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.
Valuation Multiples vs Banks - Regional median · lower = cheaper
Strength profile in five axes (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.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Sep 3, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| DBS Group D05 | 75.65 SGD | 40.48 SGD | −46% |
| China Merchants Bank Co 3968 | HK$47.96 | HK$76.51 | +60% |
| Intesa Sanpaolo S.p.A ISP | €6.78 | €5.66 | −17% |
| HDFC Bank Limited HDB | $23.17 | $24.12 | +4% |
| BNP Paribas SA BNP | €102.56 | €144.64 | +41% |
| UniCredit S.p.A UCG | €84.71 | €77.62 | −8% |
| Mizuho Financial Group MFG | $10.74 | $9.69 | −10% |
| ICICI Bank Limited ICICIBANK | ₹1,443 | ₹835.21 | −42% |
| Oversea-Chinese Banking Corporation O39 | 31.07 SGD | 19.80 SGD | −36% |
| CaixaBank, S.A CABK | €13.52 | €8.85 | −35% |
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