Banqueudi Fransi (SAU:1050) Cyclically Adjusted Book per Share: ﷼17.91 (As of Mar. 2026)

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Director of Data and Quant Analytics at GuruFocus
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SAU:1050 Banque Saudi Fransi SAU:1050
67 GF Score
Price ﷼19.46
GF Value ﷼19.66
Valuation Fairly Valued
! 5 Warning Signs
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What is Banqueudi Fransi Cyclically Adjusted Book per Share?

Banqueudi Fransi SAU:1050 +0.26% 67 Cyclically Adjusted Book per Share is ﷼17.91 as of Mar. 2026. GuruFocus rates SAU:1050 with a GF Score™ of 67/100 and a GF Value™ of ﷼19.66 (Fairly Valued). The stock has 5 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.

Banqueudi Fransi's adjusted book value per share for the three months ended in Mar. 2026 was ﷼20.826. 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 ﷼17.91 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Banqueudi Fransi's average Cyclically Adjusted Book Growth Rate was 6.40% per year. During the past 3 years, the average Cyclically Adjusted Book Growth Rate was 5.90% per year. During the past 5 years, the average Cyclically Adjusted Book Growth Rate was 7.50% 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 Banqueudi Fransi was 9.20% per year. The lowest was 5.90% per year. And the median was 8.10% per year.

As of today (2026-07-17), Banqueudi Fransi's current stock price is ﷼19.46. Banqueudi Fransi's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2026 was ﷼17.91. Banqueudi Fransi's Cyclically Adjusted PB Ratio of today is 1.09.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Banqueudi Fransi was 1.93. The lowest was 0.90. And the median was 1.22.


Banqueudi Fransi  (SAU:1050) 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.

Banqueudi Fransi's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=19.46/17.91
=1.09

* 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 Banqueudi Fransi was 1.93. The lowest was 0.90. And the median was 1.22.


Be Aware

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


Banqueudi Fransi Cyclically Adjusted Book per Share Related Terms


Banqueudi Fransi Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for Banqueudi Fransi'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.

Banqueudi Fransi Cyclically Adjusted Book per Share Chart

Banqueudi Fransi 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 13.41 14.71 15.60 16.50 17.46

Banqueudi Fransi 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 16.83 17.11 17.37 17.46 17.91

SAU:1050 vs PNC: Cyclically Adjusted Book per Share Comparison

For the Banks - Regional subindustry, Banqueudi Fransi'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.


Banqueudi Fransi Cyclically Adjusted PB Ratio vs Banks Industry

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

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


SAU:1050
67GF Score
Banque Saudi Fransi SAU:1050
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Banqueudi Fransi 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, Banqueudi Fransi'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)
=20.826/330.2130*330.2130
=20.826

Current CPI (Mar. 2026) = 330.2130.

Banqueudi Fransi Quarterly Data

Book Value per Share CPI Adj_Book
201606 11.460 241.018 15.701
201609 11.389 241.428 15.577
201612 11.883 241.432 16.253
201703 12.313 243.801 16.677
201706 12.655 244.955 17.060
201709 12.689 246.819 16.976
201712 12.732 246.524 17.054
201803 12.745 249.554 16.864
201806 12.909 251.989 16.916
201809 12.802 252.439 16.746
201812 12.410 251.233 16.311
201903 12.944 254.202 16.814
201906 13.107 256.143 16.897
201909 13.111 256.759 16.862
201912 13.245 256.974 17.020
202003 13.647 258.115 17.459
202006 13.539 257.797 17.342
202009 13.541 260.280 17.179
202012 15.532 260.474 19.691
202103 15.758 264.877 19.645
202106 15.779 271.696 19.177
202109 15.772 274.310 18.986
202112 15.950 278.802 18.891
202203 15.847 287.504 18.201
202206 15.169 296.311 16.905
202209 15.196 296.808 16.906
202212 15.578 296.797 17.332
202303 16.052 301.836 17.561
202306 15.956 305.109 17.269
202309 15.807 307.789 16.959
202312 16.661 306.746 17.936
202403 16.891 312.332 17.858
202406 16.837 314.175 17.696
202409 18.591 315.301 19.470
202412 19.005 315.605 19.885
202503 19.524 319.799 20.160
202506 20.694 322.561 21.185
202509 21.018 324.800 21.368
202512 20.463 324.054 20.852
202603 20.826 330.213 20.826

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 ﷼17.91 mean?
Banqueudi Fransi (SAU:1050) has a Cyclically Adjusted Book per Share of ﷼17.91 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 Banqueudi Fransi and its competitors.
Is Banqueudi Fransi's Cyclically Adjusted Book per Share too high?
Banqueudi Fransi's current Cyclically Adjusted Book per Share is ﷼17.91. Overall, Banqueudi Fransi has a GF Score™ of 67/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Banqueudi Fransi's Cyclically Adjusted Book per Share compare to PNC?
Banqueudi Fransi's Cyclically Adjusted Book per Share of ﷼17.91 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 Banqueudi Fransi and its competitors. Banqueudi Fransi's current Cyclically Adjusted Book per Share is ﷼17.91. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banqueudi Fransi stock overvalued right now?
Based on GuruFocus' analysis, Banqueudi Fransi (SAU:1050) is currently considered Fairly Valued. The stock's GF Value™ is ﷼19.66, compared to a current price of ﷼19.46 — trading 1% below its estimated fair value. The current Cyclically Adjusted Book per Share is ﷼17.91. Banqueudi Fransi's overall GF Score™ is 67/100 with 5 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 Banqueudi Fransi (SAU:1050), the current Cyclically Adjusted Book per Share is ﷼17.91 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 Banqueudi Fransi (SAU:1050) Overvalued in 2026?

Based on GuruFocus' analysis, Banqueudi Fransi stock appears to be undervalued. The current stock price of ﷼19.46 is trading 1% below its estimated GF Value™ of ﷼19.66. GuruFocus considers Banqueudi Fransi to be Fairly Valued.

Key valuation signals for SAU:1050:

  • Cyclically Adjusted Book per Share: ﷼17.91
  • GF Value™: ﷼19.66 vs. price of ﷼19.46 (1% below fair value)
  • GF Score™: 67/100 with 5 warning signs

No single metric tells the full story. See the SAU:1050 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Banqueudi Fransi Business Description

Address King Saud Road, P.O. Box 56006, Riyadh, SAU, 11554
Banque Saudi Fransi is a full-service Bank that includes Islamic products, which are approved and supervised by an independent Shariah Board. It offers a comprehensive suite of financial solutions in corporate and retail banking, as well as investment banking, asset management, investment funds, and brokerage services. The company's reportable segments are: Retail Banking, Corporate Banking, Treasury, Investment banking and brokerage. The majority of the company's revenue is derived from the Corporate Banking segment. Geographically, it has a presence in Saudi Arabia, the Middle East, Europe, North America and Other Countries.
67GF Score

Get the complete analysis for SAU:1050

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

﷼19.46
Price
﷼19.66
GF Value