Saudi British Bank (SAU:1060) Cyclically Adjusted FCF per Share: ﷼3.45 (As of Jun. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

SAU:1060 Saudi British Bank SAU:1060
61 GF Score
Price ﷼33.48
GF Value ﷼37.42
Valuation Modestly Undervalued
! 3 Warning Signs
View Full Analysis

What is Saudi British Bank Cyclically Adjusted FCF per Share?

Saudi British Bank SAU:1060 +0.24% 61 Cyclically Adjusted FCF per Share is ﷼3.45 as of Jun. 2026. GuruFocus rates SAU:1060 with a GF Score™ of 61/100 and a GF Value™ of ﷼37.42 (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.

Saudi British Bank's adjusted free cash flow per share for the three months ended in Jun. 2026 was ﷼0.130. 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 ﷼3.45 for the trailing ten years ended in Jun. 2026.

During the past 12 months, Saudi British Bank's average Cyclically Adjusted FCF Growth Rate was -0.90% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was 6.30% 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 Saudi British Bank was 10.70% per year. The lowest was -3.10% per year. And the median was 7.30% per year.

As of today (2026-08-09), Saudi British Bank's current stock price is ﷼33.48. Saudi British Bank's Cyclically Adjusted FCF per Share for the quarter that ended in Jun. 2026 was ﷼3.45. Saudi British Bank's Cyclically Adjusted Price-to-FCF of today is 9.70.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Saudi British Bank was 23.08. The lowest was 8.62. And the median was 11.65.


Saudi British Bank  (SAU:1060) 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.

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

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=33.48/3.45
=9.70

* 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 Saudi British Bank was 23.08. The lowest was 8.62. And the median was 11.65.


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.


Saudi British Bank Cyclically Adjusted FCF per Share Related Terms


Saudi British Bank Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for Saudi British Bank'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.

Saudi British Bank Cyclically Adjusted FCF per Share Chart

Saudi British Bank 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 1.82 2.90 2.49 2.47 3.48

Saudi British Bank 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 3.48 3.22 3.48 3.41 3.45

SAU:1060 vs PNC: Cyclically Adjusted FCF per Share Comparison

For the Banks - Regional subindustry, Saudi British Bank'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.


Saudi British Bank Cyclically Adjusted Price-to-FCF vs Banks Industry

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

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


SAU:1060
61GF Score
Saudi British Bank SAU:1060
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Saudi British Bank 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, Saudi British Bank'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)
=0.13/333.9520*333.9520
=0.130

Current CPI (Jun. 2026) = 333.9520.

Saudi British Bank Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201609 -1.009 241.428 -1.396
201612 3.031 241.432 4.193
201703 0.772 243.801 1.057
201706 -0.137 244.955 -0.187
201709 -0.119 246.819 -0.161
201712 4.409 246.524 5.973
201803 -2.373 249.554 -3.176
201806 3.069 251.989 4.067
201809 -4.254 252.439 -5.628
201812 2.088 251.233 2.775
201903 -1.169 254.202 -1.536
201906 6.416 256.143 8.365
201909 -1.665 256.759 -2.166
201912 2.307 256.974 2.998
202003 -2.623 258.115 -3.394
202006 5.654 257.797 7.324
202009 -1.374 260.280 -1.763
202012 4.459 260.474 5.717
202103 -3.685 264.877 -4.646
202106 -1.806 271.696 -2.220
202109 -2.032 274.310 -2.474
202112 -0.322 278.802 -0.386
202203 1.055 287.504 1.225
202206 9.678 296.311 10.907
202209 -3.862 296.808 -4.345
202212 7.673 296.797 8.634
202303 3.549 301.836 3.927
202306 -1.033 305.109 -1.131
202309 -2.328 307.789 -2.526
202312 3.578 306.746 3.895
202403 -0.351 312.332 -0.375
202406 0.190 314.175 0.202
202409 1.791 315.301 1.897
202412 -2.429 315.605 -2.570
202503 2.330 319.799 2.433
202506 0.697 322.561 0.722
202509 0.168 324.800 0.173
202512 0.159 324.054 0.164
202603 -2.127 330.213 -2.151
202606 0.130 333.952 0.130

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 ﷼3.45 mean?
Saudi British Bank (SAU:1060) has a Cyclically Adjusted FCF per Share of ﷼3.45 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 Saudi British Bank and its competitors.
Is Saudi British Bank's Cyclically Adjusted FCF per Share too high?
Saudi British Bank's current Cyclically Adjusted FCF per Share is ﷼3.45. Overall, Saudi British Bank has a GF Score™ of 61/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Saudi British Bank's Cyclically Adjusted FCF per Share compare to PNC?
Saudi British Bank's Cyclically Adjusted FCF per Share of ﷼3.45 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 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 Saudi British Bank and its competitors. Saudi British Bank's current Cyclically Adjusted FCF per Share is ﷼3.45. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Saudi British Bank stock overvalued right now?
Based on GuruFocus' analysis, Saudi British Bank (SAU:1060) is currently considered Modestly Undervalued. The stock's GF Value™ is ﷼37.42, compared to a current price of ﷼33.48 — trading 10.5% below its estimated fair value. The current Cyclically Adjusted FCF per Share is ﷼3.45. Saudi British Bank's overall GF Score™ is 61/100 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 Saudi British Bank (SAU:1060), the current Cyclically Adjusted FCF per Share is ﷼3.45 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 Saudi British Bank (SAU:1060) Overvalued in 2026?

Based on GuruFocus' analysis, Saudi British Bank stock appears to be undervalued. The current stock price of ﷼33.48 is trading 10.5% below its estimated GF Value™ of ﷼37.42. GuruFocus considers Saudi British Bank to be Modestly Undervalued.

Key valuation signals for SAU:1060:

  • Cyclically Adjusted FCF per Share: ﷼3.45
  • GF Value™: ﷼37.42 vs. price of ﷼33.48 (10.5% below fair value)
  • GF Score™: 61/100 with 3 warning signs

No single metric tells the full story. See the SAU:1060 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Saudi British Bank Business Description

Address 7383 King Fahad Branch Road, P.O.BOX 7287-2383, 2338 Al Yasmeen District, Riyadh, SAU, 13325
Saudi British Bank operates as a commercial bank through a network of branches in the Kingdom of Saudi Arabia. It provides integrated banking products and services to both retail and corporate sectors. The company's banking services include Personal, Commercial, Corporate, Private, and Islamic Banking, Investment, Treasury and Trade Services, and Credit and ATM Cards. It operates in five business segments: Wealth and Personal Banking, Corporate and Institutional Banking, Treasury, Capital Markets and Others. The majority of the company's revenue is derived from the Corporate and Institutional Banking segment, which offers core banking, liquidity management, trade-finance and treasury services.
61GF Score

Get the complete analysis for SAU:1060

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

﷼33.48
Price
﷼37.42
GF Value