Banque Saudi Fransi

SASE:1050 Stock Report

Market Cap: ر.س42.1b

Banque Saudi Fransi Valuation

Is 1050 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 1050 when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: Insufficient data to calculate 1050's fair value for valuation analysis.

Significantly Below Fair Value: Insufficient data to calculate 1050's fair value for valuation analysis.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for 1050?

Key metric: As 1050 is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for 1050. This is calculated by dividing 1050's market cap by their current earnings.
What is 1050's PE Ratio?
PE Ratio9.9x
Earningsر.س4.26b
Market Capر.س42.08b

Price to Earnings Ratio vs Peers

How does 1050's PE Ratio compare to its peers?

The above table shows the PE ratio for 1050 vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average12.4x
1140 Bank Albilad
17.2x9.6%ر.س48.2b
1080 Arab National Bank
8.7x2.2%ر.س43.4b
1010 Riyad Bank
9.8x5.4%ر.س88.7b
1150 Alinma Bank
14x11.1%ر.س76.9b
1050 Banque Saudi Fransi
9.9x9.3%ر.س42.1b

Price-To-Earnings vs Peers: 1050 is good value based on its Price-To-Earnings Ratio (9.9x) compared to the peer average (12.4x).

Price to Earnings Ratio vs Industry

How does 1050's PE Ratio compare vs other companies in the Asian Banks Industry?

2 CompaniesPrice / EarningsEstimated GrowthMarket Cap
1050 9.9xIndustry Avg. 9.0xNo. of Companies74PE0612182430+
2 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: 1050 is expensive based on its Price-To-Earnings Ratio (9.9x) compared to the Asian Banks industry average (9x).

Price to Earnings Ratio vs Fair Ratio

What is 1050'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.

1050 PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio9.9x
Fair PE Ratio12.2x

Price-To-Earnings vs Fair Ratio: 1050 is good value based on its Price-To-Earnings Ratio (9.9x) compared to the estimated Fair Price-To-Earnings Ratio (12.2x).

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 1050 forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
Currentر.س16.96
ر.س19.12
+12.8%
12.8%ر.س24.60ر.س15.80n/a12
Feb ’26ر.س16.06
ر.س18.78
+17.0%
12.7%ر.س24.60ر.س15.60n/a12
Jan ’26ر.س15.92
ر.س19.04
+19.6%
12.0%ر.س24.59ر.س15.91n/a13
Dec ’25ر.س14.97
ر.س19.04
+27.2%
12.0%ر.س24.59ر.س15.91n/a13
Nov ’25ر.س15.04
ر.س20.03
+33.2%
14.0%ر.س26.52ر.س16.59n/a13
Oct ’25ر.س15.86
ر.س20.55
+29.6%
12.3%ر.س26.52ر.س18.08n/a13
Sep ’25ر.س16.75
ر.س20.58
+22.8%
12.8%ر.س26.52ر.س18.16n/a12
Aug ’25ر.س17.96
ر.س21.09
+17.4%
11.4%ر.س26.52ر.س18.37n/a12
Jul ’25ر.س16.90
ر.س21.09
+24.8%
11.4%ر.س26.52ر.س18.37n/a12
Jun ’25ر.س16.15
ر.س21.09
+30.5%
11.4%ر.س26.52ر.س18.37n/a12
May ’25ر.س17.43
ر.س21.25
+21.9%
11.6%ر.س26.52ر.س16.39n/a12
Apr ’25ر.س18.37
ر.س21.53
+17.2%
11.8%ر.س26.52ر.س16.39n/a12
Mar ’25ر.س18.37
ر.س21.60
+17.6%
9.9%ر.س24.73ر.س16.39n/a12
Feb ’25ر.س19.55
ر.س22.21
+13.6%
7.2%ر.س24.73ر.س18.80ر.س16.0612
Jan ’25ر.س19.70
ر.س21.04
+6.8%
5.8%ر.س23.14ر.س18.80ر.س15.9211
Dec ’24ر.س18.03
ر.س20.97
+16.3%
5.6%ر.س23.14ر.س18.80ر.س14.9711
Nov ’24ر.س17.98
ر.س20.82
+15.7%
6.2%ر.س23.53ر.س19.19ر.س15.0411
Oct ’24ر.س17.67
ر.س21.17
+19.8%
6.4%ر.س23.53ر.س19.29ر.س15.8611
Sep ’24ر.س18.49
ر.س21.41
+15.8%
5.8%ر.س23.53ر.س19.77ر.س16.7511
Aug ’24ر.س20.25
ر.س21.70
+7.2%
5.9%ر.س23.62ر.س19.29ر.س17.9611
Jul ’24n/a
ر.س21.51
0%
4.9%ر.س22.71ر.س19.29ر.س16.9011
Jun ’24ر.س18.80
ر.س21.42
+13.9%
4.6%ر.س22.66ر.س19.29ر.س16.1511
May ’24ر.س18.66
ر.س21.52
+15.3%
7.2%ر.س24.59ر.س19.29ر.س17.4311
Apr ’24ر.س17.45
ر.س21.79
+24.9%
7.7%ر.س24.59ر.س19.29ر.س18.379
Mar ’24ر.س16.42
ر.س22.07
+34.4%
8.5%ر.س24.59ر.س18.80ر.س18.379
Feb ’24ر.س19.86
ر.س22.18
+11.7%
8.1%ر.س24.59ر.س18.80ر.س19.559
Analyst Price Target
Consensus Narrative from 12 Analysts
ر.س19.12
Fair Value
11.3% undervalued intrinsic discount
12
Number of Analysts

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

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/02/22 03:27
End of Day Share Price 2025/02/20 00:00
Earnings2024/12/31
Annual Earnings2024/12/31

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.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* 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 19 analysts. 10 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Jaap MeijerArqaam Capital Research Offshore S.A.L.
Abanob MagdyBeltone Financial
Olga VeselovaBofA Global Research