Banque Saudi Fransiالبنك السعودي الفرنسي
- Price
- 19.03 SAR
- Fair value
- 32.03 SAR
- Discount to fair value
- +41%
- Mkt cap
- 47.07B
- P/E
- 8.8×
- P/B
- 0.93×
- EV
- 71.90B
- Div yield
- 5.57%
- ROE
- 10.6%
- Net margin
- 51.1%
Current price19.03SAR
Fair value (est., median)32.03SAR
UndervaluedFair valueOvervalued
-40.6% below fair valueWould need to rise ~68.3% to reach fair value.
Median ofDDM 33.46Graham 30.6Residual Income 33.48Earnings Power 28.09
Health Check
66.4
Overall / 100
Good (66+)Caution (40–65)Risk (<40)
Rewards
- Trades 40.6% below estimated fair value.
- Attractive, covered dividend (5.57%).
Risks
- Stretched balance sheet / elevated debt.
Scores are computed automatically from the real financial statements (Value from fair value; the rest from growth, profitability, balance sheet and dividends). A decision aid, not investment advice.
Price, corporate actions & news
Demo series
D — DividendS — Split▲ good · ▼ bad newstap a marker for details
Growth & profitability
Revenue, net income and margin.
RevenueNet incomeNet margin %tap a bar for figures
Key figures
Covers 4 years · FY2022–FY2025
| Metric | FY'22 | FY'23 | FY'24 | FY'25 | TTM'26 |
|---|---|---|---|---|---|
| Revenue | 8.02B | 9.40B | 9.62B | 10.49B | — |
| Net Income | 3.58B | 4.22B | 4.54B | 5.35B | 5.40B |
| Net Margin | 44.6% | 44.9% | 47.2% | 51.1% | — |
| Operating Cash Flow | -400.70M | 70.94M | 4.77B | -12.13B | — |
| OCF Margin | -5.0% | 0.8% | 49.6% | -115.7% | — |
| Capital Expenditure | 375.70M | 549.70M | 579.84M | 597.86M | — |
| Free Cash Flow | -776.40M | -478.76M | 4.19B | -12.73B | — |
| FCF Margin | -9.7% | -5.1% | 43.6% | -121.4% | — |
| FCF Conversion | -21.7% | -11.3% | 92.2% | -237.8% | — |
| EPS (Diluted) | 1.45/sh | 1.71/sh | 1.84/sh | 2.16/sh | 2.18/sh |
| Dividend / Share | 0.78/sh | 0.90/sh | 0.97/sh | 1.06/sh | — |
Dividend return (if you buy today)if you buy today
Dividend yield5.57%
Dividend / share1.06
If you invest
Shares (≈)525
Est. annual income556.03
At this rate, dividends alone return your capital in ~18.0 years.
Dividend history
Dividend / share & historical yield (SAR).
Dividend / share yield %tap a bar for figures
Quarterly dividends & yield
Per-share dividends by quarter, full-year total, and yield on the year's average price · SAR
| Year | Q1 | Q2 | Q3 | Q4 | Full year | Yield (avg) |
|---|---|---|---|---|---|---|
| 2026 | — | 0.52 | — | — | 0.52 | 2.7% |
| 2025 | — | 0.50 | 0.55 | — | 1.06 | 6.2% |
| 2024 | — | 0.48 | 0.48 | — | 0.97 | 5.7% |
| 2023 | — | 0.43 | 0.46 | — | 0.90 | 4.9% |
| 2022 | — | 0.41 | 0.36 | — | 0.78 | 3.3% |
Corporate actions
DCash Dividend
0.52 /sh2026-05-20
DCash Dividend
0.55 /sh2025-07-28
DCash Dividend
0.50 /sh2025-05-15
SStock Split
2.074074×2024-12-24
DCash Dividend
0.48 /sh2024-08-08
DCash Dividend
0.48 /sh2024-05-23
DCash Dividend
0.46 /sh2023-08-06
DCash Dividend
0.43 /sh2023-05-25
DCash Dividend
0.36 /sh2022-07-24
DCash Dividend
0.41 /sh2022-06-13
Valuation breakdown
Fair value = median of the applicable methods (DDM، Graham، Residual Income، Earnings Power).
Each method below is a different lens on the same company — no single method dominates the result.
Discounted Cash Flow
Excluded — non-positive free cash flow
N/A
Dividend Discount Model
Values the share from the dividends it's expected to keep paying. · Tap to adjust assumptions
33.46
Graham Number
A conservative benchmark built from earnings and book value. · Tap to adjust assumptions
30.60
Residual Income (justified P/B)
Values the profit the company earns above the cost of its equity. · Tap to adjust assumptions
33.48
Earnings Power Value
Values today's earning power as-is, assuming no growth. · Tap to adjust assumptions
28.09
DCF only is anchored on FY2025 — the latest year with positive cash flow that supports a value. The other methods (DDM, Graham, RIM, EPV) use current / normalized figures.
Fair Value (median)32.03
▸ Show assumptions▾ Assumptions
- Effective discount rate
- 6.26%
- CAPM cost of equity
- 7.24%
- Risk-free rate
- 4.50%
- Equity risk premium
- 6.00%
- DCF growth (stage 1)
- 8.00%
- DCF terminal growth
- 3.00%
- DCF forecast years
- 5
- DDM dividend growth
- 3.00%
Tune these per company in the Hajras Odoo backend; values recompute automatically.
Wealth simulator
What if you'd invested in Banque Saudi Fransi regularly?
Starting year
- Invested
- 1K/yr · 17K total(2010 → today · 17 yrs)
- your value today is
- 26.5K SAR
- Total return
- +55.6%(+26.3% Dividends · +29.3% Capital gain)
- Annualised (IRR)
- +5.5%
Invested17KSAR
Dividends4.5KSAR
Capital gain5KSAR
InvestedCapital gainDividendstap a bar for figures
Major shareholders
As of 2026-06-16Disclosed holders at or above the 5% reporting threshold.
شركة المملكة القابضة
16.20%
شركة راشد عبدالرحمن الراشد واولا ده
10.00%
Total disclosed26.20%
The Saudi Exchange publishes only holders at or above 5%; smaller stakes are not disclosed.
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