The Saudi British Bank (1060) Fair Value & Analysis
Financial Services · SA · Market cap 67.8B SAR (≈ $18.1B) · ISIN SA0007879089
What is The Saudi British Bank really worth?
A solid business, trading 32% below our fair value of 49.94 SAR.
Strengths
Risks
For context
Fair value as of: Aug 23, 2026
From 6 valuation models · updated 13 days ago
Share price +3.4% over the past month.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
What matters now
- The price is below even our cautious bear case (37.46 SAR). The market is more pessimistic than our downside scenario.
- Solid quality (50/100) at a price below fair value, the discount is the argument here, not the business quality.
- 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 Aug 23, 2026.
How to read this chart
60‑month range 13.84 SAR – 36.81 SAR · fair‑value band 37.46 SAR – 62.43 SAR · the 34.20 SAR price screens below the 49.94 SAR fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Aug 23, 2026.
Analysis
The Saudi British Bank (1060) currently trades at 34.20 SAR, while our model-based Fair Value estimate is 49.94 SAR, implying the stock looks roughly 31.5% undervalued today. The Quality Score stands at 50/100 (solid quality), in the Financial Services sector. Bull case: the Multiples group reads highest at a median of 53.47 SAR per share, and 4 of the 6 models we run sit above the 34.20 SAR price. Bear case: the Asset-Based group reads lowest at 25.87 SAR, and 2 of the 6 models stay below the price. Evidence for this calculation is high.
Over the trailing twelve months, The Saudi British Bank generated revenue of 14.1B SAR at a net margin of 60.9%. Revenue grew 4.4% year over year. It earns a return on equity of 11.1%. Net debt stands at 4.3B SAR. Fundamentals as of Aug 23, 2026
Our scenario range runs from 37.46 SAR (bear case) to 62.43 SAR (bull case); at 34.20 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. The share trades about 4% below its 52-week high and 21% 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 46%, 1060 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 1.91 SAR per share, which is 3.8 % 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 (53.47 SAR) versus Asset-Based (25.87 SAR). Highest evidence: Residual Income (74).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 23, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 42 · Market factors (momentum, volatility) 67
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
Saudi Awwal Bank, together with its subsidiaries, provides banking and financial services in the Kingdom of Saudi Arabia. The company operates through Wealth & Personal Banking, Corporate and Institutional Banking, Treasury, Capital Markets, and Others segments.
Full company description
Saudi Awwal Bank, together with its subsidiaries, provides banking and financial services in the Kingdom of Saudi Arabia. The company operates through Wealth & Personal Banking, Corporate and Institutional Banking, Treasury, Capital Markets, and Others segments. It offers personal and business savings, current, commodity investment, wafer accounts, and green deposit account; personal and home financing; credit, debit, business, and prepaid cards; wealth management solutions; investment solutions; payments and transfer services; e-statement, treasury, and private banking services; safe deposit lockers; and online, mobile, and phone banking services. The company also provides liquidity and cash management services, including liquidity, collection, and payment management services, merchant payment acceptance solutions, and point of sale services; and trade and receivables finance services, which include export and import services, guarantees, cash backed letter of credit, and structured trade solutions; and foreign exchange, derivative solutions, deposits and loans, bonds, fixed income, structured products, and Islamic solutions, as well as economic research and market analysis. In addition, it engages in the real estate activities. The company was formerly known as Saudi British Bank and changed its name to Saudi Awwal Bank in June 2023. Saudi Awwal Bank was founded in 1978 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
The Saudi British Bank reported revenue of 28.4B SAR in FY2025 versus 7.7B SAR in FY2021, a compound +38.7%/yr. Reported net income was 8.5B SAR in FY2025, compounding +27.4%/yr from FY2021.
of which total revenue +12.0 % · buybacks/dilution −3.4 %
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 23, 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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