Al Rajhi Bank (SAU:1120) Cyclically Adjusted FCF per Share: ﷼2.34 (As of Jun. 2026)

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SAU:1120 Al Rajhi Bank SAU:1120
78 GF Score
Price ﷼64.80
GF Value ﷼79.35
Valuation Modestly Undervalued
! 3 Warning Signs
View Full Analysis

What is Al Rajhi Bank Cyclically Adjusted FCF per Share?

Al Rajhi Bank SAU:1120 +0.47% 78 Cyclically Adjusted FCF per Share is ﷼2.34 as of Jun. 2026. GuruFocus rates SAU:1120 with a GF Score™ of 78/100 and a GF Value™ of ﷼79.35 (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.

Al Rajhi Bank's adjusted free cash flow per share for the three months ended in Jun. 2026 was ﷼1.511. 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 ﷼2.34 for the trailing ten years ended in Jun. 2026.

During the past 12 months, Al Rajhi Bank's average Cyclically Adjusted FCF Growth Rate was 26.50% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was 11.30% per year. During the past 5 years, the average Cyclically Adjusted FCF Growth Rate was 10.00% 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 Al Rajhi Bank was 11.80% per year. The lowest was 11.30% per year. And the median was 11.40% per year.

As of today (2026-08-21), Al Rajhi Bank's current stock price is ﷼64.80. Al Rajhi Bank's Cyclically Adjusted FCF per Share for the quarter that ended in Jun. 2026 was ﷼2.34. Al Rajhi Bank's Cyclically Adjusted Price-to-FCF of today is 27.69.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Al Rajhi Bank was 39.85. The lowest was 17.59. And the median was 27.21.


Al Rajhi Bank  (SAU:1120) 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.

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

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=64.80/2.34
=27.69

* 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 Al Rajhi Bank was 39.85. The lowest was 17.59. And the median was 27.21.


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.


Al Rajhi Bank Cyclically Adjusted FCF per Share Related Terms


Al Rajhi Bank Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for Al Rajhi 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.

Al Rajhi Bank Cyclically Adjusted FCF per Share Chart

Al Rajhi 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 1.80 1.66 2.08 2.49 2.29

Al Rajhi 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 1.85 2.73 2.29 2.31 2.34

SAU:1120 vs PNC: Cyclically Adjusted FCF per Share Comparison

For the Banks - Regional subindustry, Al Rajhi 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.


Al Rajhi Bank Cyclically Adjusted Price-to-FCF vs Banks Industry

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

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


SAU:1120
78GF Score
Al Rajhi Bank SAU:1120
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Al Rajhi 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, Al Rajhi 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)
=1.511/333.9520*333.9520
=1.511

Current CPI (Jun. 2026) = 333.9520.

Al Rajhi Bank Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201609 0.620 241.428 0.858
201612 0.856 241.432 1.184
201703 -1.137 243.801 -1.557
201706 1.382 244.955 1.884
201709 -0.800 246.819 -1.082
201712 1.513 246.524 2.050
201803 1.251 249.554 1.674
201806 0.582 251.989 0.771
201809 0.466 252.439 0.616
201812 -0.150 251.233 -0.199
201903 -1.075 254.202 -1.412
201906 1.275 256.143 1.662
201909 -1.379 256.759 -1.794
201912 1.621 256.974 2.107
202003 -0.449 258.115 -0.581
202006 2.567 257.797 3.325
202009 -0.195 260.280 -0.250
202012 1.989 260.474 2.550
202103 1.199 264.877 1.512
202106 -1.231 271.696 -1.513
202109 1.339 274.310 1.630
202112 2.271 278.802 2.720
202203 -0.452 287.504 -0.525
202206 2.753 296.311 3.103
202209 -0.630 296.808 -0.709
202212 -0.936 296.797 -1.053
202303 1.647 301.836 1.822
202306 0.980 305.109 1.073
202309 0.771 307.789 0.837
202312 0.467 306.746 0.508
202403 0.447 312.332 0.478
202406 2.146 314.175 2.281
202409 1.486 315.301 1.574
202412 0.764 315.605 0.808
202503 -2.456 319.799 -2.565
202506 -2.735 322.561 -2.832
202509 7.530 324.800 7.742
202512 -7.059 324.054 -7.275
202603 0.414 330.213 0.419
202606 1.511 333.952 1.511

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 ﷼2.34 mean?
Al Rajhi Bank (SAU:1120) has a Cyclically Adjusted FCF per Share of ﷼2.34 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 Al Rajhi Bank and its competitors.
Is Al Rajhi Bank's Cyclically Adjusted FCF per Share too high?
Al Rajhi Bank's current Cyclically Adjusted FCF per Share is ﷼2.34. Overall, Al Rajhi Bank has a GF Score™ of 78/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Al Rajhi Bank's Cyclically Adjusted FCF per Share compare to PNC?
Al Rajhi Bank's Cyclically Adjusted FCF per Share of ﷼2.34 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 Al Rajhi Bank and its competitors. Al Rajhi Bank's current Cyclically Adjusted FCF per Share is ﷼2.34. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Al Rajhi Bank stock overvalued right now?
Based on GuruFocus' analysis, Al Rajhi Bank (SAU:1120) is currently considered Modestly Undervalued. The stock's GF Value™ is ﷼79.35, compared to a current price of ﷼64.80 — trading 18.3% below its estimated fair value. The current Cyclically Adjusted FCF per Share is ﷼2.34. Al Rajhi Bank's overall GF Score™ is 78/100 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 Al Rajhi Bank (SAU:1120), the current Cyclically Adjusted FCF per Share is ﷼2.34 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 Al Rajhi Bank (SAU:1120) Overvalued in 2026?

Based on GuruFocus' analysis, Al Rajhi Bank stock appears to be undervalued. The current stock price of ﷼64.80 is trading 18.3% below its estimated GF Value™ of ﷼79.35. GuruFocus considers Al Rajhi Bank to be Modestly Undervalued.

Key valuation signals for SAU:1120:

  • Cyclically Adjusted FCF per Share: ﷼2.34
  • GF Value™: ﷼79.35 vs. price of ﷼64.80 (18.3% below fair value)
  • GF Score™: 78/100 with 3 warning signs

No single metric tells the full story. See the SAU:1120 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Al Rajhi Bank Business Description

Address 8467 King Fahd Road, Unit No. 1, Al Muruj District, Riyadh, SAU, 12263 - 2743
Al Rajhi Bank is an Islamic bank with a network of over 500 branches. Its segments include the Retail segment which includes accepting individual customer deposits, providing credit facilities, customer debit current accounts, fees from banking services, and remittance business; the Corporate segment which incorporates deposits of VIP, corporate customer deposits, credit facilities, and debit current accounts, Treasury segment through which it offers treasury services, Murabaha with SAMA and international Mutajara portfolio; and Investment services and brokerage and other that incorporates investments of individuals and corporate in mutual funds, local and international share trading services and investment portfolios.
78GF Score

Get the complete analysis for SAU:1120

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

﷼64.80
Price
﷼79.35
GF Value