Saudi Investment Bank Valuation

Is 1030 undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

2/6

Valuation Score 2/6

Below Fair Value
Significantly Below Fair Value
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of 1030 when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: Insufficient data to calculate 1030's fair value for valuation analysis.

Significantly Below Fair Value: Insufficient data to calculate 1030's fair value for valuation analysis.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for 1030?

Key metric: As 1030 is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for 1030. This is calculated by dividing 1030's market cap by their current earnings.
What is 1030's PE Ratio?
PE Ratio	9.9x
Earnings	ر.س1.73b
Market Cap	ر.س17.23b

1030 key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenue	n/a
Enterprise Value/EBITDA	n/a
PEG Ratio	1x

Price to Earnings Ratio vs Peers

How does 1030's PE Ratio compare to its peers?

The above table shows the PE ratio for 1030 vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
Company	Forward PE	Estimated Growth	Market Cap
Peer Average	12.9x
1020 Bank AlJazira	16.6x	20.8%	ر.س17.2b
1050 Banque Saudi Fransi	9.2x	9.6%	ر.س37.1b
1080 Arab National Bank	8.4x	3.6%	ر.س38.9b
1140 Bank Albilad	17.3x	12.2%	ر.س45.3b
1030 Saudi Investment Bank	9.9x	9.9%	ر.س17.1b

Price-To-Earnings vs Peers: 1030 is good value based on its Price-To-Earnings Ratio (9.9x) compared to the peer average (12.9x).

Price to Earnings Ratio vs Industry

How does 1030's PE Ratio compare vs other companies in the Asian Banks Industry?

3 Companies	Price / Earnings	Estimated Growth	Market Cap

3 Companies		Estimated Growth	Market Cap

No more companies

Price-To-Earnings vs Industry: 1030 is expensive based on its Price-To-Earnings Ratio (9.9x) compared to the Asian Banks industry average (8.6x).

Price to Earnings Ratio vs Fair Ratio

What is 1030's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

1030 PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio	9.9x
Fair PE Ratio	10.7x

Price-To-Earnings vs Fair Ratio: 1030 is good value based on its Price-To-Earnings Ratio (9.9x) compared to the estimated Fair Price-To-Earnings Ratio (10.7x).

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst 1030 forecast and predictions for the stock price in 12 month’s time.
Date	Share Price	Average 1Y Price Target	Dispersion	High	Low	1Y Actual price	Analysts
Current	ر.س13.64	ر.س15.45 +13.3%	5.9%	ر.س16.50	ر.س14.00	n/a	4
Nov ’25	ر.س13.18	ر.س15.45 +17.2%	5.9%	ر.س16.50	ر.س14.00	n/a	4
Oct ’25	ر.س13.08	ر.س15.55 +18.9%	4.8%	ر.س16.50	ر.س14.40	n/a	4
Sep ’25	ر.س12.66	ر.س15.17 +19.8%	6.2%	ر.س16.50	ر.س14.18	n/a	4
Aug ’25	ر.س12.66	ر.س15.20 +20.0%	6.4%	ر.س16.60	ر.س14.18	n/a	4
Jul ’25	ر.س12.56	ر.س15.20 +21.0%	6.4%	ر.س16.60	ر.س14.20	n/a	4
Jun ’25	ر.س12.50	ر.س15.23 +21.8%	6.2%	ر.س16.60	ر.س14.32	n/a	4
May ’25	ر.س13.60	ر.س14.74 +8.4%	3.5%	ر.س15.60	ر.س14.32	n/a	4
Apr ’25	ر.س13.15	ر.س15.14 +15.1%	4.5%	ر.س16.00	ر.س14.32	n/a	4
Mar ’25	ر.س12.94	ر.س14.34 +10.8%	9.0%	ر.س16.00	ر.س12.40	n/a	4
Feb ’25	ر.س12.50	ر.س14.48 +15.9%	9.3%	ر.س16.00	ر.س12.40	n/a	4
Jan ’25	ر.س12.78	ر.س14.48 +13.3%	9.3%	ر.س16.00	ر.س12.40	n/a	4
Dec ’24	ر.س12.00	ر.س14.48 +20.7%	9.3%	ر.س16.00	ر.س12.40	n/a	4
Nov ’24	ر.س11.86	ر.س14.66 +23.7%	9.2%	ر.س16.00	ر.س12.40	ر.س13.18	4
Oct ’24	ر.س12.62	ر.س15.41 +22.1%	2.7%	ر.س16.00	ر.س15.04	ر.س13.08	3
Sep ’24	ر.س13.28	ر.س15.15 +14.1%	0.5%	ر.س15.20	ر.س15.04	ر.س12.66	3
Aug ’24	ر.س14.35	ر.س14.89 +3.8%	3.7%	ر.س15.36	ر.س14.11	ر.س12.66	3
Jul ’24	n/a	ر.س14.89 0%	3.7%	ر.س15.36	ر.س14.11	ر.س12.56	3
Jun ’24	ر.س13.38	ر.س14.47 +8.2%	7.9%	ر.س15.36	ر.س12.86	ر.س12.50	3
May ’24	ر.س13.54	ر.س13.99 +3.4%	6.8%	ر.س15.20	ر.س12.86	ر.س13.60	3
Apr ’24	ر.س13.25	ر.س15.32 +15.7%	7.8%	ر.س16.85	ر.س13.92	ر.س13.15	3
Mar ’24	ر.س12.94	ر.س16.02 +23.8%	5.1%	ر.س16.85	ر.س15.20	ر.س12.94	2
Feb ’24	ر.س14.05	ر.س16.02 +14.1%	5.1%	ر.س16.85	ر.س15.20	ر.س12.50	2
Jan ’24	ر.س13.89	ر.س16.02 +15.4%	5.1%	ر.س16.85	ر.س15.20	ر.س12.78	2
Dec ’23	ر.س14.88	ر.س15.37 +3.3%	16.7%	ر.س17.94	ر.س12.80	ر.س12.00	2
Nov ’23	ر.س14.34	ر.س15.37 +7.2%	16.7%	ر.س17.94	ر.س12.80	ر.س11.86	2

Analyst Forecast: Target price is less than 20% higher than the current share price.