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Al Rajhi BankSAU:1120 -0.15%76 EV-to-FCF is 21.31 as of Sep. 12, 2026, which is 83% above its 10-year median of 11.67. GuruFocus rates SAU:1120 with a GF Score™ of 76/100 and a GF Value™ of ﷼79.54 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 1,187 Banks companies, Al Rajhi Bank ranks worse than 84.16% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Al Rajhi Bank's Enterprise Value is ﷼388,169 Mil.
Al Rajhi Bank's Free Cash Flow for the trailing twelve months (TTM) ended in Jun. 2026 was ﷼18,216 Mil. Therefore, Al Rajhi Bank's EV-to-FCF for today is 21.31.
The historical rank and industry rank for Al Rajhi Bank's EV-to-FCF or its related term are showing as below:
SAU:1120'
s EV-to-FCF Range Over the Past 10 Years
Min: -116.67 Med: 11.67 Max: 56.02
Current: 21.31
During the past 13 years, the highest EV-to-FCF of Al Rajhi Bank was 56.02. The lowest was -116.67. And the median was 11.67.
SAU:1120's EV-to-FCF is ranked worse than 84.16% of 1187
companies
in the Banks industry
Industry Median: 7.14
vs SAU:1120: 21.31
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Al Rajhi Bank's PE Ratio (TTM) for today is calculated as:
Al Rajhi Bank's share price for today is ﷼66.00.
Al Rajhi Bank's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ﷼4.164.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Al Rajhi Bank EV-to-FCF Related Terms
Al Rajhi Bank EV-to-FCF Historical Data
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The historical data trend for Al Rajhi Bank's EV-to-FCF 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.
For the Banks - Regional subindustry, Al Rajhi Bank's EV-to-FCF, along with its competitors' market caps and EV-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 EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Al Rajhi Bank's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Al Rajhi Bank's EV-to-FCF falls into.
Al Rajhi Bank's current Enterprise Value is ﷼388,169 Mil.
Al Rajhi Bank's Free Cash Flow for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ﷼18,216 Mil.
* 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 (SAU:1120) has a EV-to-FCF of 21.31 as of Sep. 12, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Al Rajhi Bank and its competitors. This is 83% above median its historical median of 11.67. According to the industry distribution chart, Al Rajhi Bank ranks #999 out of 1187 companies in the Banks industry, placing it in the top 84.2%.
Is Al Rajhi Bank's EV-to-FCF too high?
Al Rajhi Bank's current EV-to-FCF of 21.31 is 83% above median its 10-year median of 11.67. The Banks industry median EV-to-FCF is 7.14. Al Rajhi Bank's value of 21.31 is 198.5% above this industry median. Based on the distribution chart, Al Rajhi Bank ranks #999 out of 1187 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Al Rajhi Bank has a GF Score™ of 76/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Al Rajhi Bank's EV-to-FCF compare to competitors?
According to the Banks industry distribution chart, Al Rajhi Bank ranks #999 out of 1187 companies for EV-to-FCF. This places Al Rajhi Bank in the lower half of its industry. The industry median EV-to-FCF is 7.14. Al Rajhi Bank's value of 21.31 is 198.5% above this benchmark. While the company's 10-year median is 11.67 vs. the industry median of 7.14, Al Rajhi Bank has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 7.14, based on 1,187 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Al Rajhi Bank's current EV-to-FCF of 21.31 is 198.5% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Al Rajhi Bank and its competitors. For the Banks industry, the median EV-to-FCF is 7.14 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Al Rajhi Bank's current EV-to-FCF is 21.31, which is 83% above median its own 10-year median of 11.67. 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 ﷼79.54, compared to a current price of ﷼66.00 — trading 17% below its estimated fair value. The current EV-to-FCF is 21.31, which is 83% above median its 10-year median of 11.67 and 198.5% above the Banks industry median of 7.14. Al Rajhi Bank's overall GF Score™ is 76/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Al Rajhi Bank (SAU:1120), the current EV-to-FCF is 21.31 as of Sep. 12, 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 ﷼66.00 is trading 17% below its estimated GF Value™ of ﷼79.54.
GuruFocus considers Al Rajhi Bank to be Modestly Undervalued.
Key valuation signals for SAU:1120:
EV-to-FCF: 21.31 (83% above median its 10-year median of 11.67)
GF Value™: ﷼79.54 vs. price of ﷼66.00 (17% below fair value)
Industry Position: 198.5% above the Banks median (#999 of 1187)
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 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.
76GF Score
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