Arab National Bank (1080) fair value: what the stock is really worth
We calculate from audited financials what Arab National Bank is really worth. The fair value tells you whether the price is too high or too low, the quality score (0 to 100) how solid the business behind it is. 26 models, 37 quality factors, updated daily, free.
Compare price with fair valuebelow fair value = cheap, above = expensive
Check the quality50 and up solid, 75 and up strong
Watch it or check another stockalert when fair value or trend changes
Financial Services · SA · Market cap 45.8B SAR (≈ $12.2B) · ISIN SA0007879105
At a glance
ANArab National Bank1080 · SR
Price22.97 SAR
Fair Value34.21 SAR
Upside+48.9%
Quality43/100
Below-average quality, trading 33% below our fair value of 34.21 SAR.
As of Aug 30, 2026, the fair value of Arab National Bank is 34.21 SAR per share against a price of 22.97 SAR, so the fair value sits 49% above the price. A model estimate from reported figures, not an analyst target.
!Expensive Growth (revenue 5y +11.1 %/yr)
✓Highly profitable · 55.1% net margin
✓Low debt · generates free cash flow
·5.66% dividend yield
✓Ranks above peers (10/13)
✓Wide moat 70/100
!Evidence only medium, so the estimate is less certain
Evidence: MediumRange 25.65 SAR to 42.75 SAR
Fair value as of: Aug 30, 2026
From 6 valuation models · updated 12 days ago
Share price +4.9% over the past month.
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69 individual criteria per stock, every one traceable See the method →
What matters now
The large discount to fair value meets weak quality (43/100). That raises the risk this is a value trap rather than a bargain.
The price is below even our cautious bear case (25.65 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 Aug 30, 2026.
How to read this chart
60‑month range 8.66 SAR – 24.45 SAR · fair‑value band 25.65 SAR – 42.75 SAR · the 22.97 SAR price screens below the 34.21 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.
Arab National Bank (1080) currently trades at 22.97 SAR, while our model-based Fair Value estimate is 34.21 SAR, implying the stock looks roughly 32.9% undervalued today. The Quality Score stands at 43/100 (below-average quality), in the Financial Services sector. Bull case: the Multiples group reads highest at a median of 33.51 SAR per share, and 3 of the 6 models we run sit above the 22.97 SAR price. Bear case: the Asset-Based group reads lowest at 16.70 SAR, and 3 of the 6 models stay below the price. Evidence for this calculation is medium.
Over the trailing twelve months, Arab National Bank generated revenue of 9.5B SAR at a net margin of 55.1%. Revenue grew 8.7% year over year. It earns a return on equity of 11.0%. The balance sheet holds a net cash position of 13.2B SAR. Fundamentals as of Aug 30, 2026
Scenario range: 25.65 SAR (bear) to 42.75 SAR (bull), the price of 22.97 SAR sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target. The share trades about 6% below its 52-week high and 20% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at −13% fair-value upside, at 49%, 1080 screens cheaper than that median.
Fair Value models
Based on fiscal year 2025 figures (about 8 months old). Earnings retained since then (0.9395 SAR per share) are deliberately not added.
Each model values the company its own way; the fair value above is the evidence-weighted blend. Evidence (0 to 100) shows how complete a model's inputs are. How we calculate →
ModelBear ⓘ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.Evidence
Highest evidence
Residual Income best evidence22.17 SAR24.76 SAR38.86 SAR75
Gordon GGM10.82 SAR22.50 SAR35.70 SAR66
DDM Multi-Stage10.82 SAR17.03 SAR23.60 SAR66
All 6 models by family
Dividend Discount
Gordon GGM10.82 SAR22.50 SAR35.70 SAR66
DDM Multi-Stage10.82 SAR17.03 SAR23.60 SAR66
Multiples
P/E Multiple25.13 SAR33.51 SAR41.88 SAR63
P/B Multiple26.17 SAR34.90 SAR43.62 SAR55
Asset-Based
NCAV (Graham)12.46 SAR16.70 SAR24.93 SAR54
Economic Profit
Residual Income best evidence22.17 SAR24.76 SAR38.86 SAR75
Widest divergence: Multiples (33.51 SAR) versus Asset-Based (16.70 SAR). Highest evidence: Residual Income (75).
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Key figures & financial health
P/E ratio8.8
P/S ratio4.58P/E × margin
EPS (TTM)2.60 SARprice ÷ EPS = P/E 8.8
Dividend yield5.7%payout 50.0%
Net margin51.8%FY2025
Return on equity11.0%TTM
More key figures
Profitability
Return on assets (EBIT)1.9%avg 5y
Operating margin65.1%TTM
Growth
Revenue (TTM)9.5B SARTTM
Revenue growth (YoY)+8.7%3y avg +13.0%
EPS growth (YoY)+6.9%
Balance sheet & cash flow
Free cash flow1.1B SARFY2025
Net cash13.2B SARFY2025
Figures from reported company fundamentals · as of Aug 30, 2026. TTM = trailing twelve months.
Quality Score breakdown
Overall quality43/100
Of which business quality 37
· Market factors (momentum, volatility) 68
Profitability36
Margins and returns on capital today
Quality Growth46
Are margins and returns improving?
Cashflow41
Earnings quality: real cash, not paper profit
Fin. Strength17
Balance sheet, leverage, solvency risk
Investment50
Disciplined investing over empire-building
Low Volatility93
Calm price path (market factor)
Momentum54
Price trend over the last 3–12 months (market factor)
52W Momentum62
Distance to the 52-week high (market factor)
Net Issuance40
Buybacks instead of dilution
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
Arab National Bank provides various banking products and services in the Kingdom of Saudi Arabia, Other GCC and the Middle East, Europe, North America, Latin America, Southeast Asia, and internationally. It operates through Retail Banking, Corporate Banking, Treasury, and Investment and Brokerage Services segments.
Full company description
Arab National Bank provides various banking products and services in the Kingdom of Saudi Arabia, Other GCC and the Middle East, Europe, North America, Latin America, Southeast Asia, and internationally. It operates through Retail Banking, Corporate Banking, Treasury, and Investment and Brokerage Services segments. The company offers savings, Murabaha, and SME accounts; time deposits; personal, auto lease, and real estate loans; credit and debit cards; digital wallets; and investment products for individuals. It also provides loans and advances, deposits, and other credit products for corporate and institutional customers, and small and medium sized businesses; and investment management services, as well as asset management services related to dealing, managing, arranging, advising, and custody of securities. In addition, the company offers corporate and commercial banking, project and structured finance, and vision realization solutions; treasury services, such as market related products and services, international instruments, investments, government bonds and sukuk, and e-trader solutions; and transaction banking solutions comprising corporate online access, merchant solutions, collections solutions, liquidity management solutions, specialized market solutions, fintech and open banking solutions, financial solutions, guaranteed bonds, and collection documentary bills. Further, it engages in leasing of heavy equipment; and investment, purchasing, sale, and leasing of land and real estate properties, as well as provides trading and supply chain finance. Arab National Bank was founded in 1979 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
Arab National Bank reported revenue of 9.9B SAR in FY2025 versus 5.8B SAR in FY2021, a compound +14.4%/yr. Reported net income was 5.1B SAR in FY2025, compounding +23.8%/yr from FY2021.
Growth Quality 62/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Latest Revenue (FY 2025)
9.9B SAR
Latest YoY
+4.3%
Avg. revenue growth/yr (3Y) ⓘ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.
+13.0%
Avg. revenue growth/yr (5Y) ⓘ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.
+11.1%
Avg. revenue growth/yr (19Y) ⓘ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.
+4.2%
Value creation/yr (5Y) ⓘEarnings growth per share (CAGR 5 years) plus dividend yield: value created per share and year.
+17.8%
Earnings growth per share plus dividend yield: the value created per share and year.
Earnings growth per share+12.1%
Dividend yield5.7%
Trend ⓘ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.5Y 12.1% vs 10Y 3.0%, picking up
Operating margin (EBIT) ⓘ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.44.1% (2020) → 60.5% (2025) · rising
Worst earnings drop50% (2008) · in SAR
Revenue+14.4%/yr
FY215.8B SAR
FY226.8B SAR
FY238.5B SAR
FY249.5B SAR
FY259.9B SAR
Net income+23.8%/yr
FY212.2B SAR
FY223.1B SAR
FY234.1B SAR
FY245.0B SAR
FY255.1B SAR
Character of growth · EPS growth decomposed (2014-2025)+2.5 % p.a.
Revenue per share+2.4 %
of which total revenue +5.7 % · buybacks/dilution −3.1 %
EBIT margin+1.6 %
Tax rate−1.7 %
Residual (interest, one-offs)+0.2 %
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).
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Arab National Bank Fair Value". https://www.fairvalue-calculator.com/stock/1080
Peer Group
Banks - Regional · 1073 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
Quality Score41 · Bottom 25%
Fair Value upside+49% · Top 25%
Profitability
Return on equity (TTM)11% · Above median
Return on assets2% · Top 25%
Net margin (TTM)55% · Top 25%
Operating margin (TTM)65% · Top 25%
Growth and dividend
Revenue growth9% · Below median
Dividend yield (TTM)5.7% · Top 25%
Balance sheet
Debt / equity0.04× · Lowest 25%
Valuation Multiples vs Banks - Regional median · lower = cheaper
P/E (TTM)8.8× · Cheapest 25%
P/B0.24× · Cheapest 25%
P/S (TTM)1.24× · Cheapest 25%
P/FCF10.8× · Pricier than median
What the price implies (reverse DCF)
The inverse question: what free-cash-flow growth must Arab National Bank deliver for ten years so that today's price is fair in our DCF model? Same formula, same discount rate as the fair value.
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.
This stockSector peers
VALUE99· sector 33
FUTURE44· sector 44
PAST44· sector 41
HEALTH98· sector 85
DIVIDEND100· sector 51
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 (as of Aug 30, 2026).
Is Arab National Bank (1080) overvalued or undervalued?
As of Aug 30, 2026, our model estimates a fair value of 34.21 SAR versus a price of 22.97 SAR, about +49% upside (undervalued).
What is the fair value of 1080?
Our model-based fair value for Arab National Bank is 34.21 SAR (as of Aug 30, 2026), built from audited fundamentals. The current price: 22.97 SAR.
What is the quality score of 1080?
Arab National Bank has a Quality Score of 43/100. 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 Arab National Bank (1080)?
Our model-based price target is the fair value of 34.21 SAR (as of Aug 30, 2026) from 6 valuation models. Cautious scenario 25.65 SAR, optimistic scenario 42.75 SAR. It is a calculation from audited fundamentals, not an analyst target.
What is the Arab National Bank stock forecast for 2026?
Our models put fair value at 34.21 SAR, about +49% upside versus a price of 22.97 SAR (undervalued). Cautious scenario 25.65 SAR, optimistic scenario 42.75 SAR. The calculation is refreshed regularly with new filings.
What is the revenue of Arab National Bank (1080)?
Arab National Bank reported trailing-twelve-month revenue of about 9.5B SAR (latest available figure, as of Aug 30, 2026).
What is the net profit margin of 1080?
The net profit margin of Arab National Bank is about 55.1%, meaning it keeps roughly 55.1% of revenue as net income. Based on the latest reported figures.
Does Arab National Bank pay a dividend?
Arab National Bank currently shows a dividend yield of about 5.66% relative to its recent price (as of Aug 30, 2026).
What growth is priced into Arab National Bank (1080)?
For today's price to be fair in a discounted-cash-flow model, Arab National Bank would have to grow free cash flow by +10.8 % per year for ten years (discount rate 8.6 %, then 2 % perpetual growth). Over the last 5 years revenue grew +11.1 % per year. As of Aug 30, 2026.
What discount rate (WACC) does the fair value of 1080 use?
Our models discount Arab National Bank at 8.6 %: a base by market capitalisation (large), damped by beta 0.06, country premium for Saudi Arabia. The same rate applies in all 26 models.
What is the intrinsic value of Arab National Bank (1080)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Arab National Bank it is 34.21 SAR per share (as of Aug 30, 2026), against a price of 22.97 SAR. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Arab National Bank stock overvalued or undervalued in 2026?
As of Aug 30, 2026, 1080 trades below its calculated fair value: price 22.97 SAR, fair value 34.21 SAR, a gap of about +49% (undervalued). 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 1080?
No. The price is what the market pays today (22.97 SAR); the fair value is what the company's own numbers justify (34.21 SAR). For Arab National Bank the two are 11.24 SAR per share apart. That gap is exactly why we show both numbers side by side.
How much is Arab National Bank worth?
The market values Arab National Bank at about 45.8B SAR (market capitalisation, as of Aug 30, 2026). Per share that is 22.97 SAR; our models calculate a fair value of 34.21 SAR per share.
What do the bullish and bearish scenarios say about 1080?
Our models span a range for Arab National Bank: cautious scenario 25.65 SAR, base 34.21 SAR, optimistic 42.75 SAR per share (as of Aug 30, 2026, price 22.97 SAR). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 1080?
Arab National Bank trades at a price-to-earnings ratio of 8.8 (as of Aug 30, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 34.21 SAR is built from several models across several years. Other multiples: P/B 0.2, P/S 1.2.
How solid is the balance sheet of Arab National Bank (1080)?
Balance-sheet figures for Arab National Bank (as of Aug 30, 2026): return on equity 11.0%, debt of 0.04 per unit of equity. They feed the Quality Score of 43/100, which measures business quality independently of the share price.
How far is 1080 from its 52-week high?
Arab National Bank trades at 22.97 SAR, about 6% below its 52-week high of 24.55 SAR and 20% above the low of 19.18 SAR (as of Aug 30, 2026). Distance from the high says nothing about value: that is what the fair value of 34.21 SAR is for.
Which stocks are comparable to Arab National Bank?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, Intesa Sanpaolo S.p.A, HDFC Bank Limited, 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 Arab National Bank stock attractive at the current price?
The data as of Aug 30, 2026: price 22.97 SAR, calculated fair value 34.21 SAR (+49%), Quality Score 43/100, 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 1080 calculated?
We run Arab National Bank through 6 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of 34.21 SAR, 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 32.6 % above its aggregate fair value. Arab National Bank currently trades 49 % below its own fair value, and the market average says nothing about that. 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 <a href="/is-it-worth-investing-now/">is it worth investing now</a>.
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