Al Rajhi BankSAU:1120 +0.15%76 FCF Margin % is 23.60% as of Mar. 2026, which is 70% below its 10-year median of 79.18. GuruFocus rates SAU:1120 with a GF Score™ of 76/100 and a GF Value™ of ﷼79.41 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 1,506 Banks companies, Al Rajhi Bank ranks worse than 80.21% on this metric.
FCF Margin % is calculated as Free Cash Flow divided by its Revenue. Al Rajhi Bank's Free Cash Flow for the
three
months ended in Mar. 2026 was ﷼2,485 Mil. Al Rajhi Bank's Revenue for the
three
months ended in Mar. 2026 was ﷼10,528 Mil. Therefore, Al Rajhi Bank's FCF Margin % for the quarter that ended in Mar. 2026 was 23.60%.
The historical rank and industry rank for Al Rajhi Bank's FCF Margin % or its related term are showing as below:
SAU:1120'
s FCF Margin % Range Over the Past 10 Years
Min: -66.46 Med: 79.18 Max: 120.01
Current: -21.53
During the past 13 years, the highest FCF Margin % of Al Rajhi Bank was 120.01%. The lowest was -66.46%. And the median was 79.18%.
SAU:1120's FCF Margin % is ranked worse than 80.21% of 1506
companies
in the Banks industry
Industry Median: 26.355
vs SAU:1120: -21.53
Al Rajhi Bank FCF Margin % Related Terms
Al Rajhi Bank FCF Margin % Historical Data
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The historical data trend for Al Rajhi 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, Al Rajhi 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.
Al Rajhi Bank FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Al Rajhi Bank's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Al Rajhi 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.
Al Rajhi Bank (SAU:1120) has a FCF Margin % of 23.60% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Al Rajhi Bank and its competitors. This is 70% below median its historical median of 79.18. According to the industry distribution chart, Al Rajhi Bank ranks #1208 out of 1506 companies in the Banks industry, placing it in the top 80.2%.
Is Al Rajhi Bank's FCF Margin % too high?
Al Rajhi Bank's current FCF Margin % of 23.60% is 70% below median its 10-year median of 79.18. The Banks industry median FCF Margin % is 26.36. Al Rajhi Bank's value of 23.60% is 10.5% below this industry median. Based on the distribution chart, Al Rajhi Bank ranks #1208 out of 1506 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 FCF Margin % compare to PNC?
According to the Banks industry distribution chart, Al Rajhi Bank ranks #1208 out of 1506 companies for FCF Margin %. This places Al Rajhi Bank in the lower half of its industry. The industry median FCF Margin % is 26.36. Al Rajhi Bank's value of 23.60% is 10.5% below this benchmark. While the company's 10-year median is 79.18 vs. the industry median of 26.36, Al Rajhi Bank has consistently been below 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 26.36, based on 1,506 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. Al Rajhi Bank's current FCF Margin % of 23.60% is 10.5% below 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 Al Rajhi Bank and its competitors. For the Banks industry, the median FCF Margin % is 26.36 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Al Rajhi Bank's current FCF Margin % is 23.60%, which is 70% below median its own 10-year median of 79.18. 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 ﷼79.41, compared to a current price of ﷼66.00 — trading 16.9% below its estimated fair value. The current FCF Margin % is 23.60%, which is 70% below median its 10-year median of 79.18 and 10.5% below the Banks industry median of 26.36. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Al Rajhi Bank (SAU:1120), the current FCF Margin % is 23.60% 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 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 16.9% below its estimated GF Value™ of ﷼79.41.
GuruFocus considers Al Rajhi Bank to be Modestly Undervalued.
Key valuation signals for SAU:1120:
FCF Margin %: 23.60% (70% below median its 10-year median of 79.18)
GF Value™: ﷼79.41 vs. price of ﷼66.00 (16.9% below fair value)
Industry Position: 10.5% below the Banks median (#1208 of 1506)
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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FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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