Banque Saudi Fransi (1050) Fair Value & Analysis
Financial Services · SA · Market cap 54.0B SAR (≈ $14.4B) · ISIN SA0007879782
What is Banque Saudi Fransi really worth?
Below-average quality, trading 23% below our fair value of 28.39 SAR.
Strengths
Risks
For context
Fair value as of: Aug 30, 2026
From 6 valuation models · updated 6 days ago
Share price +7.7% over the past month.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
What matters now
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
- The price sits in the lower half of our model range, the side with the larger margin of safety.
- Read the verdict with care: some models are missing inputs, so the estimate scatters more than usual.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 30, 2026.
How to read this chart
60‑month range 7.97 SAR – 21.98 SAR · fair‑value band 21.29 SAR – 35.48 SAR · the 21.87 SAR price screens below the 28.39 SAR fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Aug 30, 2026.
Analysis
Banque Saudi Fransi (1050) currently trades at 21.87 SAR, while our model-based Fair Value estimate is 28.39 SAR, implying the stock looks roughly 23.0% undervalued today. The Quality Score stands at 39/100 (below-average quality), in the Financial Services sector. Bull case: the Multiples group reads highest at a median of 28.12 SAR per share, and 2 of the 6 models we run sit above the 21.87 SAR price. Bear case: the Asset-Based group reads lowest at 13.71 SAR, and 4 of the 6 models stay below the price. Evidence for this calculation is medium.
Over the trailing twelve months, Banque Saudi Fransi generated revenue of 9.8B SAR at a net margin of 56.0%. Revenue grew 5.7% year over year. It earns a return on equity of 10.7%. Net debt stands at 24.8B SAR. Fundamentals as of Aug 30, 2026
Our scenario range runs from 21.29 SAR (bear case) to 35.48 SAR (bull case); at 21.87 SAR, the current price sits within 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. The share trades near its 52-week high and 49% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at −10% fair-value upside, at 30%, 1050 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 0.6115 SAR per share, which is 2.2 % 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 (28.12 SAR) versus Asset-Based (13.71 SAR). Highest evidence: Residual Income (75).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 30, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 30 · Market factors (momentum, volatility) 81
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
Banque Saudi Fransi provides banking and financial services for individuals and businesses in the Kingdom of Saudi Arabia and internationally. The company operates through Retail Banking, Corporate Banking, Treasury, and Investment Banking and Brokerage segments. It offers savings, current, and term deposit accounts; and mada Pay and Apple Pay products.
Full company description
Banque Saudi Fransi provides banking and financial services for individuals and businesses in the Kingdom of Saudi Arabia and internationally. The company operates through Retail Banking, Corporate Banking, Treasury, and Investment Banking and Brokerage segments. It offers savings, current, and term deposit accounts; and mada Pay and Apple Pay products. The company provides home and personal finance; insurance products, such as education, retirement, travel, and car protection; debit and credit cards; local and international guarantees, letters of guarantee and credit, and compliance and regulatory matters; account management, investment, commercial banking, and Islamic products, such as Tawarruq; and working capital, contract, structured, and trade and supply chain solutions. In addition, it offers liquidity and cash management solutions, which include payroll, escrow account, fund collection, point of sale (PoS), business to business, dividends management, e-payment gateway, swift MACUG, VERSE, soft PoS, and payroll and prepaid card service; and foreign exchange, commodities, equities, interest rate and hybrid derivatives, and other trading operations. Further, the company provides private banking services; investment advisory services, such as asset management, securities brokerage, and global investment solutions; mutual funds, margin lending, discretionary portfolio, and conventional and Islamic bonds, as well as alternative assets consisting of private equity and real estate; and corporate finance, overdrafts, consumer loans, investment securities, and money market. The company was founded in 1977 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
Banque Saudi Fransi reported revenue of 20.1B SAR in FY2025 versus 7.2B SAR in FY2021, a compound +29.0%/yr. Reported net income was 5.4B SAR in FY2025, compounding +11.6%/yr from FY2021.
of which total revenue +8.9 % · buybacks/dilution −5.8 %
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 Aug 30, 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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