Bank AlJazira (SAU:1020) Cyclically Adjusted FCF per Share: ﷼1.95 (As of Jun. 2026)

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SAU:1020 Bank AlJazira SAU:1020
63 GF Score
Price ﷼12.32
GF Value ﷼16.08
Valuation Modestly Undervalued
! 3 Warning Signs
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What is Bank AlJazira Cyclically Adjusted FCF per Share?

Bank AlJazira SAU:1020 +1.32% 63 Cyclically Adjusted FCF per Share is ﷼1.95 as of Jun. 2026. GuruFocus rates SAU:1020 with a GF Score™ of 63/100 and a GF Value™ of ﷼16.08 (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 FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

Bank AlJazira's adjusted free cash flow per share for the three months ended in Jun. 2026 was ﷼1.837. Add all the adjusted free cash flow per share for the past 10 years together and divide the count will get our Cyclically Adjusted FCF per Share, which is ﷼1.95 for the trailing ten years ended in Jun. 2026.

During the past 12 months, Bank AlJazira's average Cyclically Adjusted FCF Growth Rate was 31.80% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was -0.70% per year. During the past 5 years, the average Cyclically Adjusted FCF Growth Rate was -5.80% 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 FCF Growth Rate using Cyclically Adjusted FCF per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted FCF Growth Rate of Bank AlJazira was -0.70% per year. The lowest was -17.80% per year. And the median was -9.00% per year.

As of today (2026-08-11), Bank AlJazira's current stock price is ﷼12.32. Bank AlJazira's Cyclically Adjusted FCF per Share for the quarter that ended in Jun. 2026 was ﷼1.95. Bank AlJazira's Cyclically Adjusted Price-to-FCF of today is 6.32.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Bank AlJazira was 12.89. The lowest was 3.08. And the median was 6.32.


Bank AlJazira  (SAU:1020) Cyclically Adjusted FCF per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted FCF per Share may underestimate the company's free cash flow. Cyclically Adjusted Price-to-FCF can seem to be too high even the actual Price-to-Free-Cash-Flow is low.

For the Cyclically Adjusted Price-to-FCF, the free cash flow per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/FCF calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted Price-to-FCF is also called CAPFCF 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 Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

Bank AlJazira's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=12.32/1.95
=6.32

* 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 Price-to-FCF of Bank AlJazira was 12.89. The lowest was 3.08. And the median was 6.32.


Be Aware

Cyclically Adjusted Price-to-FCF works better for cyclical companies. It gives you a better idea on the company's real free cash flow value.


Bank AlJazira Cyclically Adjusted FCF per Share Related Terms


Bank AlJazira Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for Bank AlJazira's Cyclically Adjusted FCF 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.

Bank AlJazira Cyclically Adjusted FCF per Share Chart

Bank AlJazira Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 2.19 1.97 1.26 1.65 1.93

Bank AlJazira Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Cyclically Adjusted FCF 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 1.48 1.36 1.93 1.72 1.95

SAU:1020 vs PNC, USB: Cyclically Adjusted FCF per Share Comparison

For the Banks - Regional subindustry, Bank AlJazira's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF 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.


Bank AlJazira Cyclically Adjusted Price-to-FCF vs Banks Industry

For the Banks industry and Financial Services sector, Bank AlJazira's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where Bank AlJazira's Cyclically Adjusted Price-to-FCF falls into.


SAU:1020
63GF Score
Bank AlJazira SAU:1020
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Bank AlJazira Cyclically Adjusted FCF 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 FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

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

Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow 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 FCF per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the free cash flow per share from 2001 through 2010.

We adjusted the 2001 free cash flow per share data with the total inflation from 2001 through 2010 to the equivalent free cash flow in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's free cash flow is $1 a share in 2001, then the 2001's equivalent free cash flow in 2010 is $1.4 a share. If Wal-Mart's free cash flow is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 free cash flow in 2010 is $1.35. So on and so forth, you get the equivalent free cash flow per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted FCF 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, Bank AlJazira's adjusted Free Cash Flow per Share data for the three months ended in Jun. 2026 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=1.837/333.9520*333.9520
=1.837

Current CPI (Jun. 2026) = 333.9520.

Bank AlJazira Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201609 -0.875 241.428 -1.210
201612 1.822 241.432 2.520
201703 -1.203 243.801 -1.648
201706 1.963 244.955 2.676
201709 1.201 246.819 1.625
201712 2.440 246.524 3.305
201803 0.264 249.554 0.353
201806 -1.424 251.989 -1.887
201809 1.366 252.439 1.807
201812 0.584 251.233 0.776
201903 -0.739 254.202 -0.971
201906 1.136 256.143 1.481
201909 1.836 256.759 2.388
201912 0.368 256.974 0.478
202003 0.943 258.115 1.220
202006 0.453 257.797 0.587
202009 -0.238 260.280 -0.305
202012 0.345 260.474 0.442
202103 0.815 264.877 1.028
202106 -0.384 271.696 -0.472
202109 1.053 274.310 1.282
202112 -1.544 278.802 -1.849
202203 0.385 287.504 0.447
202206 6.552 296.311 7.384
202209 -5.238 296.808 -5.894
202212 1.692 296.797 1.904
202303 1.344 301.836 1.487
202306 -0.722 305.109 -0.790
202309 -0.803 307.789 -0.871
202312 -1.291 306.746 -1.406
202403 1.331 312.332 1.423
202406 -1.933 314.175 -2.055
202409 1.133 315.301 1.200
202412 0.554 315.605 0.586
202503 -1.583 319.799 -1.653
202506 1.476 322.561 1.528
202509 -0.734 324.800 -0.755
202512 -0.022 324.054 -0.023
202603 1.493 330.213 1.510
202606 1.837 333.952 1.837

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

What does a Cyclically Adjusted FCF per Share of ﷼1.95 mean?
Bank AlJazira (SAU:1020) has a Cyclically Adjusted FCF per Share of ﷼1.95 as of Jun. 2026. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Bank AlJazira and its competitors.
Is Bank AlJazira's Cyclically Adjusted FCF per Share too high?
Bank AlJazira's current Cyclically Adjusted FCF per Share is ﷼1.95. Overall, Bank AlJazira has a GF Score™ of 63/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Bank AlJazira's Cyclically Adjusted FCF per Share compare to PNC and USB?
Bank AlJazira's Cyclically Adjusted FCF per Share of ﷼1.95 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 FCF per Share for a Banks company?
A good Cyclically Adjusted FCF per Share depends on the Banks industry context. However, Cyclically Adjusted FCF 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 FCF per Share mean?
A high Cyclically Adjusted FCF per Share can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Bank AlJazira and its competitors. Bank AlJazira's current Cyclically Adjusted FCF per Share is ﷼1.95. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank AlJazira stock overvalued right now?
Based on GuruFocus' analysis, Bank AlJazira (SAU:1020) is currently considered Modestly Undervalued. The stock's GF Value™ is ﷼16.08, compared to a current price of ﷼12.32 — trading 23.4% below its estimated fair value. The current Cyclically Adjusted FCF per Share is ﷼1.95. Bank AlJazira's overall GF Score™ is 63/100 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 FCF per Share calculated?
Cyclically Adjusted FCF per Share is calculated from a company's financial statements. For Bank AlJazira (SAU:1020), the current Cyclically Adjusted FCF per Share is ﷼1.95 as of Jun. 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 Bank AlJazira (SAU:1020) Overvalued in 2026?

Based on GuruFocus' analysis, Bank AlJazira stock appears to be undervalued. The current stock price of ﷼12.32 is trading 23.4% below its estimated GF Value™ of ﷼16.08. GuruFocus considers Bank AlJazira to be Modestly Undervalued.

Key valuation signals for SAU:1020:

  • Cyclically Adjusted FCF per Share: ﷼1.95
  • GF Value™: ﷼16.08 vs. price of ﷼12.32 (23.4% below fair value)
  • GF Score™: 63/100 with 3 warning signs

No single metric tells the full story. See the SAU:1020 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Bank AlJazira Business Description

Address 7724 King Abdulaziz Road, Additional Number 3551, Unit 1, Al-Shatea District, Jeddah, SAU, 23513
Bank AlJazira provides banking services. The company's main operating segments are: i) Personal banking: Deposit, credit and investment products for individuals. ii) Corporate banking: Financing, deposits and other credit products for corporate, small to medium sized business and institutional customers. iii) Treasury: Treasury includes money market, foreign exchange, trading and treasury services. iv) Brokerage and asset management: It provides shares brokerage and asset management services to customers. The majority of the company's revenue is derived from the Corporate banking segment. Geographically, it has a presence in the Kingdom of Saudi Arabia, GCC and Middle East, Europe, North America, South East Asia and Other countries.
63GF Score

Get the complete analysis for SAU:1020

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

﷼12.32
Price
﷼16.08
GF Value