Alinma Bank (1150) Fair Value & Analysis
Financial Services · SA · Market cap 72.1B SAR (≈ $19.2B) · ISIN SA122050HV19
What is Alinma Bank really worth?
Below-average quality, currently priced close to our fair value of 24.91 SAR.
Strengths
Risks
Fair value as of: Aug 13, 2026
From 6 valuation models · updated 22 days ago
Fair value updated Aug 13, 2026, revised from 27.72 SAR to 24.91 SAR (−10.1%) since Aug 4, 2026. Share price +4.8% 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 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 10.89 SAR – 977,915 SAR · fair‑value band 18.68 SAR – 31.14 SAR · the 25.20 SAR price screens above the 24.91 SAR fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Aug 13, 2026.
Analysis
Alinma Bank (1150) currently trades at 25.20 SAR, while our model-based Fair Value estimate is 24.91 SAR, implying the stock looks roughly 1.2% fairly valued today. The Quality Score stands at 33/100 (below-average quality), in the Financial Services sector. Bull case: the Multiples group reads highest at a median of 22.51 SAR per share, and 1 of the 6 models we run sit above the 25.20 SAR price. Bear case: the Asset-Based group reads lowest at 10.77 SAR, and 5 of the 6 models stay below the price. Evidence for this calculation is high.
Over the trailing twelve months, Alinma Bank generated revenue of 11.2B SAR at a net margin of 59.0%. Revenue grew 2.4% year over year. It earns a return on equity of 13.9%. Net debt stands at 110B SAR. Fundamentals as of Aug 13, 2026
Our scenario range runs from 18.68 SAR (bear case) to 31.14 SAR (bull case); at 25.20 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. For context, the median of 10 Financial Services peers we cover trades at −10% fair-value upside, at −1%, 1150 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 1.35 SAR per share, which is 5.4 % 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 (22.51 SAR) versus Asset-Based (10.77 SAR). Highest evidence: Residual Income (71).
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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 27 · Market factors (momentum, volatility) 46
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
Alinma Bank provides banking and investment services in the Kingdom of Saudi Arabia. It operates through Retail Banking, Corporate Banking, Treasury, and Investment and Brokerage segments.
Full company description
Alinma Bank provides banking and investment services in the Kingdom of Saudi Arabia. It operates through Retail Banking, Corporate Banking, Treasury, and Investment and Brokerage segments. The company provides various banking services, including current, education, and family accounts; self-service banking services; debit, credit, traveler, purchase, and prepaid cards; point of sale services; car, real estate, personal, and education financing, as well as SME, kafalah program, business payroll, assets, business invoices, and receivables financing; and bill payment services. It also offers treasury, letters of guarantee, documentary collection, import and export letters of credit, and guarantee verification services; cash management services; corporate partner services; financing and investment products; financial services; and payroll management and e-payment gateway services. In addition, the company provides investment management, asset management, custodianship, advisory, underwriting, and brokerage services; and operates as an insurance agent. Further, it offers digital banking services. The company provides its services to individuals, corporates, SMEs, and institutional customers. Alinma Bank was founded in 2006 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
Alinma Bank reported revenue of 11.8B SAR in FY2025 versus 6.7B SAR in FY2021, a compound +15.5%/yr. Reported net income was 6.4B SAR in FY2025, compounding +24.0%/yr from FY2021.
of which total revenue +15.7 % · buybacks/dilution −2.5 %
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 13, 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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