Banque Saudi Fransi provides banking and financial services in the Kingdom of Saudi Arabia and internationally. More Details
Excellent balance sheet with moderate growth potential.
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.
7 Day Return
1 Year Return
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.
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
2 weeks ago | Simply Wall StBanque Saudi Fransi (TADAWUL:1050) Has Compensated Shareholders With A Respectable 94% Return On Their Investment
4 months ago | Simply Wall StEarnings Miss: Here's What Banque Saudi Fransi (TADAWUL:1050) Analysts Are Forecasting For This Year
4 months ago | Simply Wall StConsider This Before Buying Banque Saudi Fransi (TADAWUL:1050) For The 6.3% Dividend
Is Banque Saudi Fransi undervalued compared to its fair value and its price relative to the market?
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).
How is Banque Saudi Fransi forecast to perform in the next 1 to 3 years based on estimates from 7 analysts?
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%).
How has Banque Saudi Fransi performed over the past 5 years?
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.
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
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%).
What is Banque Saudi Fransi current dividend yield, its reliability and sustainability?
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.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Rayan Bin Mohammad Fayez
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.
Experienced Management: 1050's management team is considered experienced (2.8 years average tenure).
Experienced Board: 1050's board of directors are not considered experienced ( 2.4 years average tenure), which suggests a new board.
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.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Banque Saudi Fransi's company bio, employee growth, exchange listings and data sources
- 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
- Banque Saudi Fransi
- King Saud Road
- AlMuraba’ District
- Saudi Arabia
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
|Data||Last Updated (UTC time)|
|Company Analysis||2021/06/17 14:01|
|End of Day Share Price||2021/06/17 00:00|
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.