Bank Albilad, through its subsidiaries, (1140) Fair Value & Analysis
Financial Services · SA · Market cap 36.4B SAR
Fair value as of: Aug 13, 2026
From 6 valuation models · updated yesterday
Fair value updated Aug 13, 2026, revised from 26.43 SAR to 22.05 SAR (−16.6%) since Aug 4, 2026. Share price +3.3% over the past month.
A solid business, currently priced close to our fair value.
What matters now
- The price sits close to our fair value, market and models broadly agree here, little valuation tension.
- 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 13, 2026.
How to read this chart
60‑month range 16.09 SAR – 34.13 SAR · fair‑value band 16.53 SAR – 27.56 SAR · the 24.30 SAR price screens above the 22.05 SAR fair value. Dashed = 300-day average. As of Aug 13, 2026.
Analysis
Bank Albilad, through its subsidiaries, (1140) currently trades at 24.30 SAR, while our model-based Fair Value estimate is 22.05 SAR, implying the stock looks roughly 9.3% fairly valued today. The Quality Score stands at 51/100 (solid quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: high).
Over the trailing twelve months, Bank Albilad, through its subsidiaries, 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 Aug 13, 2026
Our scenario range runs from 16.53 SAR (bear case) to 27.56 SAR (bull case); at 24.30 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 16% below its 52-week high and 7% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 47% fair-value upside, at -9%, 1140 screens richer than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted 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.
All 6 models by family
Widest divergence: Economic Profit (18.00 SAR) versus Dividend Discount (7.24 SAR). Highest evidence: Residual Income (76).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 13, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 48 · Market factors (momentum, volatility) 51
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.
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, through its subsidiaries, 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 pp · buybacks/dilution −4.3 pp
Absolute contributions in percentage points per year; they sum to the EPS growth rate. Start and end points are 3-year averages (details on hover).
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Peer Group
Banks - Regional · 1086 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
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.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Aug 13, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| PT Bank Central Asia Tbk BBCA | 6,350 IDR | 4,637 IDR | -27% |
| KB Financial Group 105560 | 168,100 KRW | 220,258 KRW | +31% |
| PT Bank Rakyat Indonesia (Persero) Tbk BBRI | 3,110 IDR | 3,792 IDR | +22% |
| PT Bank Mandiri (Persero) Tbk BMRI | 4,130 IDR | 6,067 IDR | +47% |
| Banco Bradesco S.A BBD | 5,120 ARS | 8,400 ARS | +64% |
| Shinhan Financial Group 055550 | 103,800 KRW | 146,032 KRW | +41% |
| Hana Financial Group 086790 | 127,900 KRW | 210,506 KRW | +65% |
| Lloyds Banking Group LYG | 4,138 ARS | 8,275 ARS | +100% |
| Joint Stock Commercial Bank for Foreign Trade of Vietnam, VCB | 59,500 VND | 45,959 VND | -23% |
| Woori Financial Group 316140 | 33,000 KRW | 60,758 KRW | +84% |
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Frequently asked questions
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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