Riyad Bank (SAU:1010) Cyclically Adjusted Book per Share: ﷼14.45 (As of Mar. 2026)

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Director of Data and Quant Analytics at GuruFocus
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SAU:1010 Riyad Bank SAU:1010
72 GF Score
Price ﷼20.70
GF Value ﷼22.95
Valuation Modestly Undervalued
! 3 Warning Signs
View Full Analysis

What is Riyad Bank Cyclically Adjusted Book per Share?

Riyad Bank SAU:1010 72 Cyclically Adjusted Book per Share is ﷼14.45 as of Mar. 2026. GuruFocus rates SAU:1010 with a GF Score™ of 72/100 and a GF Value™ of ﷼22.95 (Modestly Undervalued). The stock has 3 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

Riyad Bank's adjusted book value per share for the three months ended in Mar. 2026 was ﷼19.874. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is ﷼14.45 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Riyad Bank's average Cyclically Adjusted Book Growth Rate was 8.10% per year. During the past 3 years, the average Cyclically Adjusted Book Growth Rate was 6.90% per year. During the past 5 years, the average Cyclically Adjusted Book Growth Rate was 7.80% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Book Growth Rate using Cyclically Adjusted Book per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Book Growth Rate of Riyad Bank was 8.60% per year. The lowest was 6.90% per year. And the median was 7.50% per year.

As of today (2026-07-20), Riyad Bank's current stock price is ﷼20.70. Riyad Bank's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2026 was ﷼14.45. Riyad Bank's Cyclically Adjusted PB Ratio of today is 1.43.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Riyad Bank was 2.80. The lowest was 1.38. And the median was 1.70.


Riyad Bank  (SAU:1010) Cyclically Adjusted Book per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Book per Share may underestimate the company's equity. Cyclically Adjusted PB Ratio can seem to be too high even the actual PB Ratio is low.

For the Cyclically Adjusted PB Ratio, the book value of the past 10 years are inflation-adjusted and averaged. The result is used for P/B calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PB Ratio is also called CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

Riyad Bank's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=20.70/14.45
=1.43

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Riyad Bank was 2.80. The lowest was 1.38. And the median was 1.70.


Be Aware

Cyclically Adjusted PB Ratio works better for cyclical companies. It gives you a better idea on the company's real book value.


Riyad Bank Cyclically Adjusted Book per Share Related Terms


Riyad Bank Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for Riyad Bank's Cyclically Adjusted Book per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Riyad Bank Cyclically Adjusted Book per Share Chart

Riyad Bank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Book per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 10.51 11.48 12.26 13.06 14.01

Riyad Bank Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted Book per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 13.37 13.63 13.88 14.01 14.45

SAU:1010 vs PNC: Cyclically Adjusted Book per Share Comparison

For the Banks - Regional subindustry, Riyad Bank's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Riyad Bank Cyclically Adjusted PB Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Riyad Bank's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where Riyad Bank's Cyclically Adjusted PB Ratio falls into.


SAU:1010
72GF Score
Riyad Bank SAU:1010
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Riyad Bank Cyclically Adjusted Book per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

What is Cyclically Adjusted Book per Share? How do we calculate Cyclically Adjusted Book per Share?

Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Book per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the book value per share from 2001 through 2010.

We adjusted the 2001 book value per share data with the total inflation from 2001 through 2010 to the equivalent book value in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's book value is $1 a share in 2001, then the 2001's equivalent book value in 2010 is $1.4 a share. If Wal-Mart's book value is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 book value in 2010 is $1.35. So on and so forth, you get the equivalent book value per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Riyad Bank's adjusted Book Value per Share data for the three months ended in Mar. 2026 was:

Adj_Book= Book Value per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=19.874/330.2130*330.2130
=19.874

Current CPI (Mar. 2026) = 330.2130.

Riyad Bank Quarterly Data

Book Value per Share CPI Adj_Book
201606 9.449 241.018 12.946
201609 9.412 241.428 12.873
201612 9.243 241.432 12.642
201703 9.240 243.801 12.515
201706 9.157 244.955 12.344
201709 9.417 246.819 12.599
201712 9.656 246.524 12.934
201803 9.042 249.554 11.964
201806 9.234 251.989 12.100
201809 9.188 252.439 12.019
201812 9.194 251.233 12.084
201903 9.411 254.202 12.225
201906 9.857 256.143 12.707
201909 9.810 256.759 12.616
201912 10.143 256.974 13.034
202003 9.449 258.115 12.088
202006 10.196 257.797 13.060
202009 10.664 260.280 13.529
202012 11.089 260.474 14.058
202103 11.057 264.877 13.784
202106 11.138 271.696 13.537
202109 11.512 274.310 13.858
202112 11.825 278.802 14.006
202203 12.716 287.504 14.605
202206 12.363 296.311 13.777
202209 12.399 296.808 13.794
202212 14.043 296.797 15.624
202303 13.959 301.836 15.271
202306 14.447 305.109 15.636
202309 14.385 307.789 15.433
202312 15.090 306.746 16.244
202403 15.044 312.332 15.905
202406 15.613 314.175 16.410
202409 15.811 315.301 16.559
202412 17.127 315.605 17.920
202503 18.159 319.799 18.750
202506 18.160 322.561 18.591
202509 18.313 324.800 18.618
202512 18.949 324.054 19.309
202603 19.874 330.213 19.874

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

What does a Cyclically Adjusted Book per Share of ﷼14.45 mean?
Riyad Bank (SAU:1010) has a Cyclically Adjusted Book per Share of ﷼14.45 as of Mar. 2026. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Riyad Bank and its competitors.
Is Riyad Bank's Cyclically Adjusted Book per Share too high?
Riyad Bank's current Cyclically Adjusted Book per Share is ﷼14.45. Overall, Riyad Bank has a GF Score™ of 72/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Riyad Bank's Cyclically Adjusted Book per Share compare to PNC?
Riyad Bank's Cyclically Adjusted Book per Share of ﷼14.45 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted Book per Share for a Banks company?
A good Cyclically Adjusted Book per Share depends on the Banks industry context. However, Cyclically Adjusted Book per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted Book per Share mean?
A high Cyclically Adjusted Book per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Riyad Bank and its competitors. Riyad Bank's current Cyclically Adjusted Book per Share is ﷼14.45. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Riyad Bank stock overvalued right now?
Based on GuruFocus' analysis, Riyad Bank (SAU:1010) is currently considered Modestly Undervalued. The stock's GF Value™ is ﷼22.95, compared to a current price of ﷼20.70 — trading 9.8% below its estimated fair value. The current Cyclically Adjusted Book per Share is ﷼14.45. Riyad Bank's overall GF Score™ is 72/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Book per Share calculated?
Cyclically Adjusted Book per Share is calculated from a company's financial statements. For Riyad Bank (SAU:1010), the current Cyclically Adjusted Book per Share is ﷼14.45 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Riyad Bank (SAU:1010) Overvalued in 2026?

Based on GuruFocus' analysis, Riyad Bank stock appears to be undervalued. The current stock price of ﷼20.70 is trading 9.8% below its estimated GF Value™ of ﷼22.95. GuruFocus considers Riyad Bank to be Modestly Undervalued.

Key valuation signals for SAU:1010:

  • Cyclically Adjusted Book per Share: ﷼14.45
  • GF Value™: ﷼22.95 vs. price of ﷼20.70 (9.8% below fair value)
  • GF Score™: 72/100 with 3 warning signs

No single metric tells the full story. See the SAU:1010 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Riyad Bank Business Description

Address Financial Boulevard - Al Aqeeq District, P.O. Box 22622, Riyad Bank Tower, Building No. 3128, King Abdullah Financial District (KAFD, Riyadh, SAU, 13519 – 6671
Riyad Bank is a financial institution in Saudi Arabia. The company provides a full range of banking and investment services. It also provides its customers with nonconventional banking products which are approved and supervised by an independent Shariah Board established by the Bank. The company operates in four business segments: i) Retail Banking, ii) Investment banking and brokerage, iii) Corporate banking, and iv) Treasury and Investments. The majority of the company's revenue is derived from the Corporate banking segment, which principally handles corporate customers' current accounts, deposits and provides loans, overdrafts and other credit facilities and includes small to medium sized businesses.
72GF Score

Get the complete analysis for SAU:1010

Cyclically Adjusted Book per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

﷼20.70
Price
﷼22.95
GF Value