Banque Saudi Fransi (1050) Stock Overview
Provides banking and financial services for individuals and businesses in the Kingdom of Saudi Arabia and internationally. More details
| Snowflake Score | |
|---|---|
| Valuation | 3/6 |
| Future Growth | 2/6 |
| Past Performance | 4/6 |
| Financial Health | 6/6 |
| Dividends | 4/6 |
1050 Community Fair Values
Create NarrativeSee what 13 others think this stock is worth. Follow their fair value or set your own to get alerts.
Analyst Price Targets
Banque Saudi Fransi Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | ر.س19.40 |
| 52 Week High | ر.س20.99 |
| 52 Week Low | ر.س15.49 |
| Beta | 0.44 |
| 1 Month Change | 2.11% |
| 3 Month Change | -1.52% |
| 1 Year Change | 8.87% |
| 3 Year Change | -6.86% |
| 5 Year Change | 2.78% |
| Change since IPO | 829.14% |
Recent News & Updates
Narrative Update • Jun 22
1050: Lower Discount Rate Will Support More Attractive Forward Earnings Multiple
The analyst price target for Banque Saudi Fransi has been revised from SAR 20.28 to SAR 21.58, reflecting updated views on its fair value, discount rate, revenue growth, profit margin, and future P/E assumptions. What’s in the News for Banque Saudi Fransi No recent news items for Banque Saudi Fransi are available from the provided sources.
Narrative Update • Jun 05
1050: Future Returns Will Rely On Dividends With Fair Value Intact
Analysts have kept their SAR18.00 price target on Banque Saudi Fransi broadly steady, reflecting only minor adjustments to assumptions for discount rate, revenue growth, profit margin, and future P/E that largely offset one another in their models. What's in the News No recent news items, periodical coverage, or key developments were provided for Banque Saudi Fransi in the supplied sources.
Narrative Update • May 22
1050: Stable Assumptions And Margin Outlook Will Support Long-Term Profitability
Analysts have maintained their SAR24.30 price target for Banque Saudi Fransi, reflecting only minor model adjustments to the discount rate, revenue growth, profit margin and future P/E assumptions, rather than a change in overall conviction on the stock. Valuation Changes Fair Value: The SAR24.30 fair value estimate is unchanged, indicating no revision to the overall valuation level used.Narrative Update • May 04
1050: Future Returns Will Rely On Dividends With Fair Value Intact
Analysts have kept their SAR 18.00 price target on Banque Saudi Fransi broadly steady, reflecting only small tweaks to discount rate and growth inputs, alongside a slightly lower future P/E assumption and a higher projected profit margin. Valuation Changes Fair Value: SAR 18.0 remains unchanged, with no adjustment to the central valuation level.Recent updates
Narrative Update • Jun 22
1050: Lower Discount Rate Will Support More Attractive Forward Earnings Multiple
The analyst price target for Banque Saudi Fransi has been revised from SAR 20.28 to SAR 21.58, reflecting updated views on its fair value, discount rate, revenue growth, profit margin, and future P/E assumptions. What’s in the News for Banque Saudi Fransi No recent news items for Banque Saudi Fransi are available from the provided sources.Narrative Update • Jun 05
1050: Future Returns Will Rely On Dividends With Fair Value Intact
Analysts have kept their SAR18.00 price target on Banque Saudi Fransi broadly steady, reflecting only minor adjustments to assumptions for discount rate, revenue growth, profit margin, and future P/E that largely offset one another in their models. What's in the News No recent news items, periodical coverage, or key developments were provided for Banque Saudi Fransi in the supplied sources.Narrative Update • May 22
1050: Stable Assumptions And Margin Outlook Will Support Long-Term Profitability
Analysts have maintained their SAR24.30 price target for Banque Saudi Fransi, reflecting only minor model adjustments to the discount rate, revenue growth, profit margin and future P/E assumptions, rather than a change in overall conviction on the stock. Valuation Changes Fair Value: The SAR24.30 fair value estimate is unchanged, indicating no revision to the overall valuation level used.Narrative Update • May 04
1050: Future Returns Will Rely On Dividends With Fair Value Intact
Analysts have kept their SAR 18.00 price target on Banque Saudi Fransi broadly steady, reflecting only small tweaks to discount rate and growth inputs, alongside a slightly lower future P/E assumption and a higher projected profit margin. Valuation Changes Fair Value: SAR 18.0 remains unchanged, with no adjustment to the central valuation level.Narrative Update • Apr 19
1050: Future Returns Will Rely On Dividends Despite Unchanged Fair Value
Analysts have kept their SAR 18.00 price target for Banque Saudi Fransi unchanged, citing slightly adjusted assumptions for discount rate, revenue growth, profit margin and forward P/E that still point to a similar valuation anchor for the shares. What's in the News The Board of Directors recommended a cash dividend of SAR 0.52 per share, after Zakat, for the second half of 2025, subject to shareholder approval and General Assembly timing (Key Developments).Narrative Update • Apr 05
1050: Higher Cash Dividends Will Support Long-Term Profitability
Analysts are keeping their SAR 24.30 price target on Banque Saudi Fransi broadly unchanged, with only marginal tweaks to inputs such as discount rate, revenue growth, profit margin and future P/E to reflect updated assumptions in their models. What's in the News The Board of Directors recommends a cash dividend of SAR 0.52 per share after Zakat for the second half of 2025, subject to shareholder approval at a General Assembly Meeting to be scheduled.Narrative Update • Mar 22
1050: Higher Dividend Payouts And Strong Margins Will Support Long-Term Profitability
Analysts have raised the Banque Saudi Fransi price target from SAR 22.62 to SAR 24.30, citing updated assumptions around revenue growth of 11.81%, a profit margin of 50.83%, and a forward P/E of 15.34x, along with a slightly lower discount rate of 20.29%. What's in the News The Board of Directors recommended a cash dividend of SAR 0.52 per share, after Zakat, for the second half of 2025, subject to shareholder approval and formal General Assembly scheduling (Key Developments).Narrative Update • Mar 08
1050: Future Returns Will Depend On Stable Dividends At Unchanged Fair Value
Analysts have kept their price target for Banque Saudi Fransi steady at SAR 18.00, noting only minor adjustments in assumptions around discount rate, revenue growth, profit margin and future P/E that do not materially change their view on the shares. What's in the News The Board of Directors recommended a cash dividend of SAR 0.52 per share, after Zakat, for the second half of 2025, subject to shareholder approval (Key Developments).Narrative Update • Feb 21
1050: Future Returns Will Rely On Stable Dividends And Repriced Earnings Risk
Analysts have maintained their price target for Banque Saudi Fransi at SAR 18.00, with only minor tweaks to assumptions such as discount rate, revenue growth, profit margin, and future P/E, in order to reflect updated views on the bank's earnings profile and risk pricing. What's in the News The Board of Directors recommended a cash dividend of SAR 0.52 per share, after Zakat, for the second half of 2025, subject to shareholder approval and related assembly procedures (company announcement).Narrative Update • Feb 07
1050: Future Returns Will Rely On Strong Margins And Steady Dividend Payouts
Analysts have adjusted their view on Banque Saudi Fransi with a revised price target of SAR 18.0. This reflects updated assumptions around slightly lower discount rates, higher revenue growth of about 10.3%, firmer profit margins near 47.1% and a more conservative future P/E of roughly 12.6x. What's in the News The Board of Directors recommended a cash dividend of SAR 0.52 per share, after Zakat, for the second half of 2025, subject to General Assembly approval (Key Developments).Narrative Update • Jan 23
1050: Cross-Border Payment Alliance Will Support Stronger Long-Term Profitability Outlook
Analysts have trimmed their price target for Banque Saudi Fransi from SAR 23.70 to SAR 22.62 as they factor in updated assumptions around revenue growth, profit margins and the bank's forward P/E profile. Valuation Changes Fair Value Estimate: revised from SAR 23.70 to SAR 22.62, indicating a modest trim to the intrinsic value per share.Narrative Update • Jan 09
1050: Fair Future Returns Will Rely On Higher P/E Assumptions
Analysts have raised their fair value estimate for Banque Saudi Fransi from SAR 16.00 to SAR 18.00. This change reflects updated assumptions for the discount rate, revenue growth, profit margin and future P/E ratio, which they view as more closely aligned with the bank's current profile.Narrative Update • Dec 26
1050: Cross-Border Payment Alliance Will Drive Stronger Long-Term Profitability
Narrative Update on Banque Saudi Fransi Analysts have made a marginal downward revision to their price target on Banque Saudi Fransi to SAR 23.70 from SAR 23.71. This reflects slightly higher perceived discount rates that more than offset modest improvements in projected revenue growth and profit margins.Narrative Update • Dec 12
1050: Future Cross-Border Payment Expansion Will Support Stronger Long-Term Profitability
Analysts have lowered their price target on Banque Saudi Fransi to SAR 23.71 from SAR 24.29. The revision reflects slightly softer revenue growth expectations and a modestly lower future P E multiple, partly offset by a marginally stronger profit margin outlook and reduced discount rate assumptions.Narrative Update • Oct 24
Vision 2030 Will Accelerate Digital Banking and Expand Overseas Transfer Access
Analysts have raised their price target for Banque Saudi Fransi from SAR 19.82 to SAR 20.28, citing improved profit margin projections and a modest uptick in fair value estimates. What's in the News Banque Saudi Fransi has entered into a strategic alliance with Thunes, signing a Memorandum of Understanding at SIBOS 2025 to facilitate fast, secure, and affordable international money transfers for both consumers and businesses (Key Developments).
New Narrative • Nov 25
Technological Transformation And Global Expansion Drive New Growth Horizons
Digital transformation and technology upgrades enhance customer engagement and product offerings, driving potential revenue growth through increased customer satisfaction and transaction volumes.Shareholder Returns
| 1050 | SA Banks | SA Market | |
|---|---|---|---|
| 7D | -3.3% | -3.3% | -1.8% |
| 1Y | 8.9% | 2.7% | 2.9% |
Return vs Industry: 1050 exceeded the SA Banks industry which returned 2.7% over the past year.
Return vs Market: 1050 exceeded the SA Market which returned 2.9% over the past year.
Price Volatility
| 1050 volatility | |
|---|---|
| 1050 Average Weekly Movement | 2.8% |
| Banks Industry Average Movement | 2.3% |
| Market Average Movement | 4.5% |
| 10% most volatile stocks in SA Market | 7.5% |
| 10% least volatile stocks in SA Market | 2.3% |
Stable Share Price: 1050 has not had significant price volatility in the past 3 months compared to the SA market.
Volatility Over Time: 1050's weekly volatility (3%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1977 | 3,146 | Bader Alsalloom | bsf.sa |
Banque Saudi Fransi provides banking and financial services for individuals and businesses in the Kingdom of Saudi Arabia and internationally. The company operates through Retail Banking, Corporate Banking, Treasury, and Investment Banking and Brokerage segments. It offers savings, current, and term deposit accounts; and mada Pay and Apple Pay products.
Banque Saudi Fransi Fundamentals Summary
| 1050 fundamental statistics | |
|---|---|
| Market cap | ر.س47.42b |
| Earnings (TTM) | ر.س4.95b |
| Revenue (TTM) | ر.س9.65b |
9.7x
P/E Ratio0.9x
P/B RatioIs 1050 overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| 1050 income statement (TTM) | |
|---|---|
| Revenue | ر.س9.65b |
| Cost of Revenue | ر.س0 |
| Gross Profit | ر.س9.65b |
| Other Expenses | ر.س4.71b |
| Earnings | ر.س4.95b |
Last Reported Earnings
Mar 31, 2026
Next Earnings Date
Jul 26, 2026
| Earnings per share (EPS) | 2.00 |
| Gross Margin | 100.00% |
| Net Profit Margin | 51.23% |
| Debt/Equity Ratio | 108.3% |
How did 1050 perform over the long term?
See historical performance and comparisonDividends
5.5%
Current Dividend Yield54%
Payout RatioCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/06/30 17:06 |
| End of Day Share Price | 2026/06/30 00:00 |
| Earnings | 2026/03/31 |
| Annual Earnings | 2025/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Banque Saudi Fransi is covered by 16 analysts. 11 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Jaap Meijer | Arqaam Capital Research Offshore S.A.L. |
| Abanob Magdy | Beltone Financial |
| Olga Veselova | BofA Global Research |