SASE:1050

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Banque Saudi Fransi

Market Cap

ر.س44.4b

Last Updated

2021/06/17 14:01 UTC

Data Sources

Company Financials +

Executive Summary

Banque Saudi Fransi provides banking and financial services in the Kingdom of Saudi Arabia and internationally. More Details


Snowflake Analysis

Excellent balance sheet with moderate growth potential.


Similar Companies

Share Price & News

How has Banque Saudi Fransi's share price performed over time and what events caused price changes?


Latest Share Price and Events

Stable Share Price: 1050 is more volatile than 75% of SA stocks over the past 3 months, typically moving +/- 4% a week.

Volatility Over Time: 1050's weekly volatility (4%) has been stable over the past year, but is still higher than 75% of SA stocks.


Market Performance


7 Day Return

0.3%

1050

1.9%

SA Banks

-0.07%

SA Market


1 Year Return

20.5%

1050

52.4%

SA Banks

15.5%

SA Market

Return vs Industry: 1050 underperformed the SA Banks industry which returned 52.3% over the past year.

Return vs Market: 1050 exceeded the SA Market which returned 17% over the past year.


Shareholder returns

1050IndustryMarket
7 Day0.3%1.9%-0.07%
30 Day3.4%3.6%0.7%
90 Day16.7%15.2%4.1%
1 Year21.9%20.5%54.4%52.4%19.9%15.5%
3 Year27.2%13.5%52.9%38.2%41.8%28.3%
5 Year96.6%60.9%163.2%118.2%94.7%64.9%

Long-Term Price Volatility Vs. Market

How volatile is Banque Saudi Fransi's share price compared to the market and industry in the last 5 years?


Simply Wall St News

Valuation

Is Banque Saudi Fransi undervalued compared to its fair value and its price relative to the market?

27.35x

Price to Earnings (PE) ratio


Share Price vs. Fair Value

Below Fair Value: Insufficient data to calculate 1050's fair value to establish if it is undervalued.

Significantly Below Fair Value: Insufficient data to calculate 1050's fair value to establish if it is undervalued.


Price To Earnings Ratio

PE vs Industry: 1050 is poor value based on its PE Ratio (27.4x) compared to the SA Banks industry average (17.9x).

PE vs Market: 1050 is good value based on its PE Ratio (27.4x) compared to the SA market (32.3x).


Price to Earnings Growth Ratio

PEG Ratio: 1050 is poor value based on its PEG Ratio (2.3x)


Price to Book Ratio

PB vs Industry: 1050 is good value based on its PB Ratio (1.2x) compared to the SA Banks industry average (1.5x).


Future Growth

How is Banque Saudi Fransi forecast to perform in the next 1 to 3 years based on estimates from 7 analysts?

12.0%

Forecasted annual earnings growth


Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: 1050's forecast earnings growth (12% per year) is above the savings rate (8.8%).

Earnings vs Market: 1050's earnings (12% per year) are forecast to grow faster than the SA market (7.9% per year).

High Growth Earnings: 1050's earnings are forecast to grow, but not significantly.

Revenue vs Market: 1050's revenue (9.4% per year) is forecast to grow faster than the SA market (4% per year).

High Growth Revenue: 1050's revenue (9.4% per year) is forecast to grow slower than 20% per year.


Earnings per Share Growth Forecasts


Future Return on Equity

Future ROE: 1050's Return on Equity is forecast to be low in 3 years time (9%).


Past Performance

How has Banque Saudi Fransi performed over the past 5 years?

-18.5%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: 1050 has high quality earnings.

Growing Profit Margin: 1050's current net profit margins (36.4%) are lower than last year (51%).


Past Earnings Growth Analysis

Earnings Trend: 1050's earnings have declined by 18.5% per year over the past 5 years.

Accelerating Growth: 1050's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: 1050 had negative earnings growth (-42.9%) over the past year, making it difficult to compare to the Banks industry average (-9.6%).


Return on Equity

High ROE: 1050's Return on Equity (4.2%) is considered low.


Financial Health

How is Banque Saudi Fransi's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet


Financial Institutions Analysis

Asset Level: 1050's Assets to Equity ratio (5.2x) is low.

Allowance for Bad Loans: 1050 has a sufficient allowance for bad loans (124%).

Low Risk Liabilities: 87% of 1050's liabilities are made up of primarily low risk sources of funding.

Loan Level: 1050 has an appropriate level of Loans to Assets ratio (66%).

Low Risk Deposits: 1050's Loans to Deposits ratio (94%) is appropriate.

Level of Bad Loans: 1050 has a high level of bad loans (2.7%).


Dividend

What is Banque Saudi Fransi current dividend yield, its reliability and sustainability?

4.67%

Forecast Dividend Yield


Dividend Yield vs Market

Notable Dividend: Unable to evaluate 1050's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.

High Dividend: Unable to evaluate 1050's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.


Stability and Growth of Payments

Stable Dividend: Insufficient data to determine if 1050's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if 1050's dividend payments have been increasing.


Current Payout to Shareholders

Dividend Coverage: 1050 is not paying a notable dividend for the SA market.


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of 1050's dividend in 3 years as they are not forecast to pay a notable one for the SA market.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

2.8yrs

Average management tenure


CEO

Rayan Bin Mohammad Fayez

3.33yrs

Tenure

ر.س486,000

Compensation

Mr. Rayan Bin Mohammad Fayez serves as the Chief Executive Officer, Managing Director and Director of Banque Saudi Fransi. Mr. Bin Mohammad Fayez served as Non-Executive Director at Knowledge Economic City...


CEO Compensation Analysis

Compensation vs Market: Rayan's total compensation ($USD129.59K) is below average for companies of similar size in the SA market ($USD975.22K).

Compensation vs Earnings: Rayan's compensation has been consistent with company performance over the past year.


Leadership Team

Experienced Management: 1050's management team is considered experienced (2.8 years average tenure).


Board Members

Experienced Board: 1050's board of directors are not considered experienced ( 2.4 years average tenure), which suggests a new board.


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Company Information

Banque Saudi Fransi's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Banque Saudi Fransi
  • Ticker: 1050
  • Exchange: SASE
  • Founded: 1977
  • Industry: Diversified Banks
  • Sector: Banks
  • Market Cap: ر.س44.374b
  • Shares outstanding: 1.20b
  • Website: https://www.alfransi.com.sa

Number of Employees


Location

  • Banque Saudi Fransi
  • King Saud Road
  • AlMuraba’ District
  • Riyadh
  • 11554
  • Saudi Arabia

Listings


Biography

Banque Saudi Fransi provides banking and financial services in the Kingdom of Saudi Arabia and internationally. Its deposit products include demand accounts, saving accounts, current accounts, money market...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/06/17 14:01
End of Day Share Price2021/06/17 00:00
Earnings2021/03/31
Annual Earnings2020/12/31


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 here.