Bank Albilad (1140) Fair Value & Analysis
Financial Services · SA · Market cap 38.8B SAR (≈ $10.3B) · ISIN SA000A0D9HK3
What is Bank Albilad really worth?
A solid business, but trading 18% above our fair value of 22.05 SAR.
Strengths
Risks
For context
Fair value as of: Sep 4, 2026
From 6 valuation models · updated today
Share price +5.3% over the past month.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
What matters now
- Solid but not exceptional quality (51/100) and above fair value, neither a clear bargain nor a standout compounder.
- 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 4, 2026.
How to read this chart
60‑month range 16.11 SAR – 34.13 SAR · fair‑value band 16.53 SAR – 27.56 SAR · the 25.92 SAR price screens above the 22.05 SAR fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 4, 2026.
Analysis
Bank Albilad (1140) currently trades at 25.92 SAR, while our model-based Fair Value estimate is 22.05 SAR, implying the stock looks roughly 17.6% overvalued today. The Quality Score stands at 51/100 (solid quality), in the Financial Services sector. Bull case: the Economic Profit group reads highest at a median of 18.00 SAR per share, and 1 of the 6 models we run sit above the 25.92 SAR price. Bear case: the Dividend Discount group reads lowest at 7.24 SAR, and 5 of the 6 models stay below the price. Evidence for this calculation is high.
Over the trailing twelve months, Bank Albilad generated revenue of 6.1B SAR at a net margin of 50.8%. Revenue grew 4.4% year over year. It earns a return on equity of 14.0%. Net debt stands at 3.4B SAR. Fundamentals as of Sep 4, 2026
Our scenario range runs from 16.53 SAR (bear case) to 27.56 SAR (bull case); at 25.92 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 about 10% below its 52-week high and 14% 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 −15%, 1140 screens richer 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 0.6158 SAR per share, which is 2.8 % 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: Economic Profit (18.00 SAR) versus Dividend Discount (7.24 SAR). Highest evidence: Gordon GGM (66).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Sep 4, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 48 · Market factors (momentum, volatility) 61
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
Bank Albilad, through its subsidiaries, provides various banking products and services in the Kingdom of Saudi Arabia. The company operates in four segments: Retail Banking, Corporate Banking, Treasury, and Investment Banking and Brokerage.
Full company description
Bank Albilad, through its subsidiaries, provides various banking products and services in the Kingdom of Saudi Arabia. The company operates in four segments: Retail Banking, Corporate Banking, Treasury, and Investment Banking and Brokerage. It offers current, savings, awaed albilad, tamayuz, corporate, and SME current accounts; personal financing products, such as financing Murabaha via Albilad app, shares financing, top-up financing, refinancing, buyout programs, finance against mortgage, and deferring finance instalments; real estate financing products; auto financing and leasing products; remittances; currency exchange services; corporate financing solutions, which include working capital, asset, and contract financing; overdrafts; and structured finance products. The company also provides cash management solutions; trade finance products comprising letters of guarantee, letters of credit, documentary collection, and Musharkah financing; money market; treasury services consisting of direct investment and foreign exchange services; SME financing solutions; SME programs, such as customs clearance, hajj and omrah, POS financing, franchise programs, contracts financing, and payroll financing programs; point of sale services; e-commerce payment platforms; investment management and asset management; and payroll services and wage protection systems. In addition, it offers credit, debit, Albilad mada, salary, and Medad prepaid cards; and internet and online banking services. Bank Albilad was incorporated in 2004 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
Bank Albilad reported revenue of 11.2B SAR in FY2025 versus 4.6B SAR in FY2021, a compound +24.9%/yr. Reported net income was 3.0B SAR in FY2025, compounding +16.0%/yr from FY2021.
of which total revenue +14.2 % · buybacks/dilution −3.8 %
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).
1140 screens 18% overvalued. Compare with DBS Group →
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 4, 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 | €13.10 | €8.85 | −32% |
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