Saudi National Bank (SAU:1180) Cyclically Adjusted FCF per Share: ﷼2.44 (As of Jun. 2026)

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Director of Data and Quant Analytics at GuruFocus
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SAU:1180 Saudi National Bank SAU:1180
71 GF Score
Price ﷼40.86
GF Value ﷼40.42
Valuation Fairly Valued
! 4 Warning Signs
View Full Analysis

What is Saudi National Bank Cyclically Adjusted FCF per Share?

Saudi National Bank SAU:1180 +1.29% 71 Cyclically Adjusted FCF per Share is ﷼2.44 as of Jun. 2026. GuruFocus rates SAU:1180 with a GF Score™ of 71/100 and a GF Value™ of ﷼40.42 (Fairly Valued). The stock has 4 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 National Bank's adjusted free cash flow per share for the three months ended in Jun. 2026 was ﷼3.807. 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 ﷼2.44 for the trailing ten years ended in Jun. 2026.

During the past 12 months, Saudi National Bank's average Cyclically Adjusted FCF Growth Rate was 68.30% 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.

As of today (2026-08-07), Saudi National Bank's current stock price is ﷼40.86. Saudi National Bank's Cyclically Adjusted FCF per Share for the quarter that ended in Jun. 2026 was ﷼2.44. Saudi National Bank's Cyclically Adjusted Price-to-FCF of today is 16.75.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Saudi National Bank was 39.88. The lowest was 14.09. And the median was 25.11.


Saudi National Bank  (SAU:1180) 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 National Bank's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=40.86/2.44
=16.75

* 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 National Bank was 39.88. The lowest was 14.09. And the median was 25.11.


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 National Bank Cyclically Adjusted FCF per Share Related Terms


Saudi National Bank Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for Saudi National 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 National Bank Cyclically Adjusted FCF per Share Chart

Saudi National 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 0.00 0.00 2.19 1.15 1.99

Saudi National 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 1.45 1.00 1.99 2.07 2.44

SAU:1180 vs PNC: Cyclically Adjusted FCF per Share Comparison

For the Banks - Regional subindustry, Saudi National 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 National Bank Cyclically Adjusted Price-to-FCF vs Banks Industry

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

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


SAU:1180
71GF Score
Saudi National Bank SAU:1180
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Saudi National 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 National 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)
=3.807/333.9520*333.9520
=3.807

Current CPI (Jun. 2026) = 333.9520.

Saudi National Bank Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201609 -1.775 241.428 -2.455
201612 4.221 241.432 5.839
201703 0.189 243.801 0.259
201706 -0.480 244.955 -0.654
201709 -1.006 246.819 -1.361
201712 1.722 246.524 2.333
201803 -1.384 249.554 -1.852
201806 2.211 251.989 2.930
201809 1.481 252.439 1.959
201812 -1.698 251.233 -2.257
201903 0.630 254.202 0.828
201906 2.203 256.143 2.872
201909 3.189 256.759 4.148
201912 4.037 256.974 5.246
202003 -1.416 258.115 -1.832
202006 2.287 257.797 2.963
202009 -0.223 260.280 -0.286
202012 4.787 260.474 6.137
202103 -2.111 264.877 -2.662
202106 -1.701 271.696 -2.091
202109 2.291 274.310 2.789
202112 4.077 278.802 4.883
202203 -1.124 287.504 -1.306
202206 2.560 296.311 2.885
202209 0.850 296.808 0.956
202212 -3.769 296.797 -4.241
202303 1.753 301.836 1.940
202306 0.699 305.109 0.765
202309 1.925 307.789 2.089
202312 -0.038 306.746 -0.041
202403 -1.263 312.332 -1.350
202406 -3.002 314.175 -3.191
202409 1.190 315.301 1.260
202412 -4.774 315.605 -5.052
202503 2.721 319.799 2.841
202506 0.703 322.561 0.728
202509 -0.372 324.800 -0.382
202512 -2.616 324.054 -2.696
202603 -2.351 330.213 -2.378
202606 3.807 333.952 3.807

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 ﷼2.44 mean?
Saudi National Bank (SAU:1180) has a Cyclically Adjusted FCF per Share of ﷼2.44 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 National Bank and its competitors.
Is Saudi National Bank's Cyclically Adjusted FCF per Share too high?
Saudi National Bank's current Cyclically Adjusted FCF per Share is ﷼2.44. Overall, Saudi National Bank has a GF Score™ of 71/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Saudi National Bank's Cyclically Adjusted FCF per Share compare to PNC?
Saudi National Bank's Cyclically Adjusted FCF per Share of ﷼2.44 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 National Bank and its competitors. Saudi National Bank's current Cyclically Adjusted FCF per Share is ﷼2.44. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Saudi National Bank stock overvalued right now?
Based on GuruFocus' analysis, Saudi National Bank (SAU:1180) is currently considered Fairly Valued. The stock's GF Value™ is ﷼40.42, compared to a current price of ﷼40.86 — trading 1.1% above its estimated fair value. The current Cyclically Adjusted FCF per Share is ﷼2.44. Saudi National Bank's overall GF Score™ is 71/100 with 4 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 National Bank (SAU:1180), the current Cyclically Adjusted FCF per Share is ﷼2.44 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 National Bank (SAU:1180) Overvalued in 2026?

Based on GuruFocus' analysis, Saudi National Bank stock appears to be overvalued. The current stock price of ﷼40.86 is trading 1.1% above its estimated GF Value™ of ﷼40.42. GuruFocus considers Saudi National Bank to be Fairly Valued.

Key valuation signals for SAU:1180:

  • Cyclically Adjusted FCF per Share: ﷼2.44
  • GF Value™: ﷼40.42 vs. price of ﷼40.86 (1.1% above fair value)
  • GF Score™: 71/100 with 4 warning signs

No single metric tells the full story. See the SAU:1180 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Saudi National Bank Business Description

Address King Fahd Road, Unit No. 778, The Saudi National Bank Tower, 3208 - Al Aqeeq District, King Abdullah Financial District, Riyadh, SAU, 13519 - 6676
Saudi National Bank is a financial institution in Saudi Arabia. It provides a range of banking and investment management services. The company also provides non-special commission based banking products in compliance with Shariah rules. It has four reportable segments: Retail, Wholesale, Capital Market, and International. The majority of the company's revenue is derived from the Wholesale segment, which provides banking services including all conventional credit-related products as well as financing products to small sized businesses, medium and large establishments and companies. Geographically, it has a presence in the Kingdom of Saudi Arabia, GCC and Middle East, Europe, Turkey, North America and Other countries.
71GF Score

Get the complete analysis for SAU:1180

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

﷼40.86
Price
﷼40.42
GF Value