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Banque Saudi Fransi (1050.SR)
Riyadh, Riyadh Province, SA
Banque Saudi Fransi, founded in 1977 and headquartered in Riyadh, Kingdom of Saudi Arabia, is a prominent provider of banking and financial services across Saudi Arabia and globally. The institution structures its operations through key segments: Retail Banking, Corporate Banking, Treasury, and Investment Banking & Brokerage. It offers a comprehensive suite of deposit solutions, encompassing savings, current, and term accounts, alongside modern digital payment options like mada Pay and Apple Pay. For individual clients, the bank provides diverse financing alternatives such as residential mortgages, personal loans, and auto leasing, as well as a broad range of insurance products covering education, retirement, travel, and vehicle protection, in addition to its credit card portfolio. Banque Saudi Fransi delivers tailored financial solutions for businesses, from micro, small, and medium-sized enterprises (SMEs) to large corporations, including working capital, contract, structured, and trade finance, coupled with sales support. Its advanced cash management facilities cover payroll processing, escrow services, fund collection, point-of-sale (POS) systems, business-to-business (B2B) payments, dividend administration, and prepaid card services. Moreover, the bank offers extensive securities market services, dealing in foreign exchange, commodities, equities, interest rate derivatives, hybrid derivatives, and other trading operations. Specialized wealth management and Sharia-compliant Islamic banking products and services are also part of its offerings. The company serves its clientele through an expansive network of 85 branches.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +0.00% | +0.00% | -0.93% | +1.86% | +17.36% | +13.73% | +9.69% | -0.05% | +9.75% | +85.55% | +74.54% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 0 | 0 |
| Buy | 5 | 0 |
| Hold | 9 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
-
Revenue growth+108.8% Q1'26: -32.0% (vs Q1'25)
-
EPS growth+25.6% Q1'26: -3.7% (vs Q1'25)
-
FCF margin— Q1'26: +395.3% (vs Q1'25)
-
EBIT margin— Q1'26: +86.2% (vs Q1'25)
-
ROIC— Q1'26: +5.9% (vs Q1'25)
-
Share dilution-1.0% Q1'26: +6.2% (vs Q1'25)
-
Debt / EBITDA— Q1'26: 10.13× (vs Q1'25)
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
| Metric |
Dec 2015 actual |
Dec 2016 actual |
Dec 2017 actual |
Dec 2018 actual |
Dec 2019 actual |
Dec 2020 actual |
Dec 2021 actual |
Dec 2022 actual |
Dec 2023 actual |
Dec 2024 actual |
Dec 2025 actual |
Dec 2026 6 Rev. Ana. 3 EPS Ana. |
Dec 2027 10 Rev. Ana. 6 EPS Ana. |
Dec 2028 9 Rev. Ana. 5 EPS Ana. |
Dec 2029 4 Rev. Ana. 1 EPS Ana. |
Dec 2030 4 Rev. Ana. 1 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
6.22B
est: 6.54B (-4.9%)
|
6.31B
est: 6.49B (-2.7%)
|
6.32B
est: 6.62B (-4.6%)
|
6.34B
est: 6.79B (-6.6%)
|
6.85B
est: 6.89B (-0.6%)
|
7.10B
est: 7.05B (+0.7%)
|
7.24B
est: 7.34B (-1.2%)
|
8.02B
est: 8.11B (-1.1%)
|
9.40B
est: 8.02B (+17.1%)
|
9.62B
est: 9.45B (+1.8%)
|
20.09B
est: 10.54B (+90.6%)
|
11.07B
10.86B – 11.22B
+5.0% YoY
|
11.93B
11.01B – 12.47B
+7.8% YoY
|
12.86B
12.86B – 12.86B
+7.8% YoY
|
14.11B
13.43B – 14.54B
+9.8% YoY
|
15.55B
14.79B – 16.01B
+10.2% YoY
|
| EBITDA |
4.17B
est: 2.52B (+65.3%)
|
3.65B
est: 2.50B (+45.9%)
|
3.68B
est: 2.55B (+44.2%)
|
3.46B
est: 2.62B (+32.2%)
|
3.83B
est: 2.66B (+44.1%)
|
2.22B
est: 2.72B (-18.3%)
|
4.06B
est: 2.83B (+43.6%)
|
4.23B
est: 3.13B (+35.1%)
|
4.96B
est: 3.10B (+60.1%)
|
—
est: 3.65B (-100.0%)
|
6.32B
est: 4.07B (+55.4%)
|
4.27B
4.19B – 4.33B
+5.0% YoY
|
4.60B
4.25B – 4.81B
+7.8% YoY
|
4.96B
4.96B – 4.96B
+7.8% YoY
|
5.45B
5.18B – 5.61B
+9.8% YoY
|
6.00B
5.71B – 6.18B
+10.2% YoY
|
| EBIT |
4.04B
est: 2.33B (+73.3%)
|
3.51B
est: 2.31B (+51.9%)
|
3.53B
est: 2.36B (+49.6%)
|
3.31B
est: 2.42B (+36.6%)
|
3.62B
est: 2.46B (+47.3%)
|
2.01B
est: 2.51B (-19.9%)
|
3.84B
est: 2.61B (+46.8%)
|
4.00B
est: 2.89B (+38.5%)
|
4.71B
est: 2.88B (+63.3%)
|
-299.21M
est: 3.40B (-108.8%)
|
5.99B
est: 3.79B (+58.1%)
|
3.98B
3.90B – 4.03B
+5.0% YoY
|
4.29B
3.96B – 4.48B
+7.8% YoY
|
4.62B
4.62B – 4.62B
+7.8% YoY
|
5.07B
4.82B – 5.22B
+9.8% YoY
|
5.59B
5.32B – 5.75B
+10.2% YoY
|
| Net Income |
4.04B
est: 3.94B (+2.5%)
|
3.51B
est: 4.00B (-12.3%)
|
3.53B
est: 3.90B (-9.4%)
|
1.40B
est: 3.69B (-62.0%)
|
3.11B
est: 3.46B (-10.1%)
|
1.55B
est: 2.14B (-27.8%)
|
3.45B
est: 3.22B (+7.2%)
|
3.58B
est: 3.53B (+1.4%)
|
4.22B
est: 8.41B (-49.8%)
|
4.54B
est: 4.31B (+5.5%)
|
5.35B
est: 4.95B (+8.3%)
|
5.11B
4.92B – 5.29B
+3.3% YoY
|
5.80B
5.02B – 5.90B
+13.6% YoY
|
6.28B
5.78B – 6.38B
+8.2% YoY
|
6.54B
6.12B – 6.79B
+4.1% YoY
|
7.48B
7.00B – 7.77B
+14.4% YoY
|
| SGA |
537.43M
est: 121.00M (+344.2%)
|
433.90M
est: 120.05M (+261.4%)
|
560.69M
est: 122.60M (+357.3%)
|
503.05M
est: 125.70M (+300.2%)
|
—
est: 127.60M (-100.0%)
|
120.53M
est: 130.42M (-7.6%)
|
118.17M
est: 135.76M (-13.0%)
|
141.43M
est: 150.08M (-5.8%)
|
176.92M
est: 276.80M (-36.1%)
|
219.30M
est: 326.07M (-32.7%)
|
1.95B
est: 363.54M (+435.6%)
|
381.69M
374.57M – 386.94M
+5.0% YoY
|
411.45M
379.84M – 429.99M
+7.8% YoY
|
443.59M
443.56M – 443.61M
+7.8% YoY
|
486.84M
463.14M – 501.39M
+9.8% YoY
|
536.34M
510.23M – 552.37M
+10.2% YoY
|
| EPS |
3.35
est: 1.57 (+112.7%)
|
2.91
est: 1.60 (+81.8%)
|
2.94
est: 1.56 (+88.5%)
|
2.77
est: 1.48 (+87.7%)
|
2.61
est: 1.39 (+88.3%)
|
1.29
est: 0.86 (+50.6%)
|
1.30
est: 1.29 (+1.0%)
|
1.35
est: 1.41 (-4.3%)
|
3.53
est: 3.44 (+2.6%)
|
1.72
est: 1.76 (-2.3%)
|
2.16
est: 2.01 (+7.3%)
|
2.06
1.99 – 2.14
+2.4% YoY
|
2.23
2.03 – 2.38
+8.0% YoY
|
2.46
2.34 – 2.58
+10.3% YoY
|
2.64
2.47 – 2.74
+7.4% YoY
|
3.02
2.83 – 3.14
+14.4% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-21 | B+ | 3/5 | 5/5 | 4/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-05-20 | B+ | 3/5 | 5/5 | 4/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-05-19 | B+ | 3/5 | 5/5 | 4/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-05-18 | B+ | 3/5 | 5/5 | 4/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-05-17 | B+ | 3/5 | 5/5 | 4/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-05-14 | B+ | 3/5 | 5/5 | 4/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-05-13 | B+ | 3/5 | 5/5 | 4/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-05-12 | B+ | 3/5 | 5/5 | 4/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-05-11 | B+ | 3/5 | 5/5 | 4/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-05-10 | B+ | 3/5 | 5/5 | 4/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-05-07 | B+ | 3/5 | 5/5 | 4/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-05-06 | B+ | 3/5 | 5/5 | 4/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-05-05 | B+ | 3/5 | 5/5 | 4/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-05-04 | B+ | 3/5 | 5/5 | 4/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-05-03 | A- | 4/5 | 5/5 | 4/5 | 5/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-30 | A- | 4/5 | 5/5 | 4/5 | 5/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-29 | C+ | 2/5 | 5/5 | 1/5 | 1/5 | 1/5 | 3/5 | 1/5 |
| 2026-04-28 | C+ | 2/5 | 5/5 | 1/5 | 1/5 | 1/5 | 3/5 | 1/5 |
| 2026-04-27 | C+ | 2/5 | 5/5 | 1/5 | 1/5 | 1/5 | 3/5 | 1/5 |
| 2026-04-26 | C+ | 2/5 | 5/5 | 1/5 | 1/5 | 1/5 | 3/5 | 1/5 |
| 2026-04-23 | C+ | 2/5 | 5/5 | 1/5 | 1/5 | 1/5 | 3/5 | 1/5 |
| 2026-04-22 | A | 4/5 | 5/5 | 4/5 | 5/5 | 2/5 | 4/5 | 3/5 |
| 2026-04-21 | A | 4/5 | 5/5 | 4/5 | 5/5 | 2/5 | 4/5 | 3/5 |
| 2026-04-20 | A | 4/5 | 5/5 | 4/5 | 5/5 | 2/5 | 4/5 | 3/5 |
| 2026-04-19 | A | 4/5 | 5/5 | 4/5 | 5/5 | 2/5 | 4/5 | 3/5 |
| 2026-04-16 | A | 4/5 | 5/5 | 4/5 | 5/5 | 2/5 | 4/5 | 3/5 |
| 2026-04-15 | A | 4/5 | 5/5 | 4/5 | 5/5 | 1/5 | 4/5 | 4/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
ETF Ownership
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | iShares MSCI Saudi Arabia Capped UCITS ETF IKSA.L | 2.15% | 11.10M | 0.60% |
| 2 | iShares MSCI Saudi Arabia Capped UCITS ETF IKSD.L | 2.15% | 413.5K | 0.60% |
| 3 | Invesco MSCI Saudi Arabia UCITS ETF MSAU.L | 2.05% | 956.1K | 0.50% |
| 4 | State Street SPDR S&P Emerging Markets Dividend Aristocrats UCITS ETF (Dist) EDVD.L | 2.02% | 3.53M | 0.55% |
| 5 | iShares MSCI Saudi Arabia ETF KSA | 1.96% | 12.70M | 0.75% |
| 6 | Invesco FTSE Emerging Markets High Dividend Low Volatility UCITS ETF EMHD.L | 0.42% | 1.18M | 0.49% |
| 7 | HSBC Emerging Market Screened Equity UCITS ETF HSEM.L | 0.41% | 1.22M | 0.18% |
| 8 | Columbia Research Enhanced Emerging Economies ETF ECON | 0.22% | 741.8K | 0.54% |
| 9 | Dimensional - Emerging Markets Value ETF DFEV | 0.16% | 3.18M | 0.46% |
| 10 | Franklin Emerging Market Core Dividend Tilt Index ETF DIEM | 0.15% | 103.7K | 0.19% |
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Abdallah Al Sheikh | Chief Legal, Governance, and ESG Officer & Corporate Secretary | — | — |
| Bader Alsalloom | Chief Executive Officer | — | male |
| Ibrahim Fadel Alsanebi | Chief Audit Executive | — | — |
| Majed Abdulrahman Al-Sadhan | Head of Wholesale Banking Group | — | male |
| May Alhoshan | Chief Human Capital Officer | — | — |
| Mohammed Almodaimeegh | Chief Operations Officer | — | — |
| Mutasim Naji Mufti | Chief Risk Officer | — | — |
| Ramzy Darwish | Chief Strategy & Finance Officer and Finance Manager | — | male |
| Yasminah Abbas | Head of Investor Relations | — | — |
| Yasser AlAnssari | Chief Compliance Officer | — | — |
| Zuhair Mardam | Chief Treasury & Investment Officer | — | — |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for 1050.SR
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
