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.
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.
Arab National BankSAU:1080 -2.38%79 FCF Margin % is 73.93% as of Mar. 2026, which is 90% above its 10-year median of 38.92. GuruFocus rates SAU:1080 with a GF Score™ of 79/100 and a GF Value™ of ﷼23.00 (Fairly Valued). The stock has 1 warning sign investors should review. Among 1,504 Banks companies, Arab National Bank ranks worse than 77.73% on this metric.
The historical rank and industry rank for Arab National Bank's FCF Margin % or its related term are showing as below:
SAU:1080'
s FCF Margin % Range Over the Past 10 Years
Min: -8.17 Med: 38.92 Max: 91.85
Current: -8.17
During the past 13 years, the highest FCF Margin % of Arab National Bank was 91.85%. The lowest was -8.17%. And the median was 38.92%.
SAU:1080's FCF Margin % is ranked worse than 77.73% of 1504
companies
in the Banks industry
Industry Median: 26.39
vs SAU:1080: -8.17
Arab National Bank FCF Margin % Related Terms
Arab National Bank FCF Margin % Historical Data
* Premium members only.
The historical data trend for Arab National Bank's FCF Margin % 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, Arab National Bank's FCF Margin %, along with its competitors' market caps and FCF Margin % 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.
Arab National Bank FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Arab National Bank's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Arab National Bank's FCF Margin % falls into.
* 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.
Arab National Bank (SAU:1080) has a FCF Margin % of 73.93% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Arab National Bank and its competitors. This is 90% above median its historical median of 38.92. According to the industry distribution chart, Arab National Bank ranks #1169 out of 1504 companies in the Banks industry, placing it in the top 77.7%.
Is Arab National Bank's FCF Margin % too high?
Arab National Bank's current FCF Margin % of 73.93% is 90% above median its 10-year median of 38.92. The Banks industry median FCF Margin % is 26.39. Arab National Bank's value of 73.93% is 180.1% above this industry median. Based on the distribution chart, Arab National Bank ranks #1169 out of 1504 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Arab National Bank has a GF Score™ of 79/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Arab National Bank's FCF Margin % compare to PNC and USB?
According to the Banks industry distribution chart, Arab National Bank ranks #1169 out of 1504 companies for FCF Margin %. This places Arab National Bank in the lower half of its industry. The industry median FCF Margin % is 26.39. Arab National Bank's value of 73.93% is 180.1% above this benchmark. While the company's 10-year median is 38.92 vs. the industry median of 26.39, Arab National 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.39, based on 1,504 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Arab National Bank's current FCF Margin % of 73.93% is 180.1% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Arab National Bank and its competitors. For the Banks industry, the median FCF Margin % is 26.39 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Arab National Bank's current FCF Margin % is 73.93%, which is 90% above median its own 10-year median of 38.92. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Arab National Bank stock overvalued right now?
Based on GuruFocus' analysis, Arab National Bank (SAU:1080) is currently considered Fairly Valued. The stock's GF Value™ is ﷼23.00, compared to a current price of ﷼21.32 — trading 7.3% below its estimated fair value. The current FCF Margin % is 73.93%, which is 90% above median its 10-year median of 38.92 and 180.1% above the Banks industry median of 26.39. Arab National Bank's overall GF Score™ is 79/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Arab National Bank (SAU:1080), the current FCF Margin % is 73.93% as of Mar. 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 Arab National Bank (SAU:1080) Overvalued in 2026?
Based on GuruFocus' analysis, Arab National Bank stock appears to be undervalued.
The current stock price of ﷼21.32 is trading 7.3% below its estimated GF Value™ of ﷼23.00.
GuruFocus considers Arab National Bank to be Fairly Valued.
Key valuation signals for SAU:1080:
FCF Margin %: 73.93% (90% above median its 10-year median of 38.92)
GF Value™: ﷼23.00 vs. price of ﷼21.32 (7.3% below fair value)
Industry Position: 180.1% above the Banks median (#1169 of 1504)
No single metric tells the full story. See the SAU:1080 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Arab National Bank is a commercial banking service provider based in Saudi Arabia. It offers comprehensive banking solutions including business banking, retail banking, investment products, and other banking services to customers across Saudi Arabia. The company's operating segments are: i) Retail Banking, ii) Corporate Banking, iii) Treasury segment, iv) Investment and brokerage services and iv) Other. The majority of the company's revenue is derived from the Corporate Banking segment, which includes providing Loans and advances, deposits and other credit products for corporate and institutional customers, small to medium sized businesses. Geographically, it operates in Saudi Arabia, Other GCC & Middle East, Europe, North America, Latin America, South East Asia and Other Countries.
79GF Score
Get the complete analysis for SAU:1080
FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
SAU:1080 has been successfully added to your 
