Saudi National Bank (SAU:1180) FCF Margin %: -142.44% (As of Mar. 2026)


SAU:1180 Saudi National Bank SAU:1180
73 GF Score
Price ﷼38.62
GF Value ﷼39.90
Valuation Fairly Valued
! 3 Warning Signs
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What is Saudi National Bank FCF Margin %?

Saudi National Bank SAU:1180 -2.23% 73 FCF Margin % is -142.44% as of Mar. 2026. GuruFocus rates SAU:1180 with a GF Score™ of 73/100 and a GF Value™ of ﷼39.90 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,508 Banks companies, Saudi National Bank ranks worse than 87.53% on this metric.

FCF Margin % is calculated as Free Cash Flow divided by its Revenue. Saudi National Bank's Free Cash Flow for the three months ended in Mar. 2026 was ﷼-14,518 Mil. Saudi National Bank's Revenue for the three months ended in Mar. 2026 was ﷼10,193 Mil. Therefore, Saudi National Bank's FCF Margin % for the quarter that ended in Mar. 2026 was -142.44%.

As of today, Saudi National Bank's current FCF Yield % is -11.28%.

The historical rank and industry rank for Saudi National Bank's FCF Margin % or its related term are showing as below:

SAU:1180' s FCF Margin % Range Over the Past 10 Years
Min: -117.75   Med: 16.81   Max: 188.98
Current: -62.89


During the past 13 years, the highest FCF Margin % of Saudi National Bank was 188.98%. The lowest was -117.75%. And the median was 16.81%.

SAU:1180's FCF Margin % is ranked worse than
87.53% of 1508 companies
in the Banks industry
Industry Median: 26.355 vs SAU:1180: -62.89


Saudi National Bank FCF Margin % Related Terms


Saudi National Bank FCF Margin % Historical Data

* Premium members only.

The historical data trend for Saudi 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.

Saudi National Bank FCF Margin % Chart

Saudi National Bank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
FCF Margin %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 55.37 -18.52 75.77 -117.75 14.04

Saudi National Bank Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
FCF Margin % 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 171.90 44.12 -21.67 -129.36 -142.44

SAU:1180 vs PNC: FCF Margin % Comparison

For the Banks - Regional subindustry, Saudi 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.


Saudi National Bank FCF Margin % vs Banks Industry

For the Banks industry and Financial Services sector, Saudi National Bank's FCF Margin % distribution charts can be found below:

* The bar in red indicates where Saudi National Bank's FCF Margin % falls into.


SAU:1180
73GF Score
Saudi National Bank SAU:1180
FCF Margin % is just one metric. See GF Score™, valuation, warning signs, and more.
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Saudi National Bank FCF Margin % Calculation

FCF margin is the ratio of Free Cash Flow divided by net sales or Revenue, usually presented in percent.

Saudi National Bank's FCF Margin for the fiscal year that ended in Dec. 2025 is calculated as

FCF Margin=Free Cash Flow (A: Dec. 2025 )/Revenue (A: Dec. 2025 )
=5735.806/40843.879
=14.04 %

Saudi National Bank's FCF Margin for the quarter that ended in Mar. 2026 is calculated as

FCF Margin=Free Cash Flow (Q: Mar. 2026 )/Revenue (Q: Mar. 2026 )
=-14518.353/10192.915
=-142.44 %

* 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.

Frequently Asked Questions Learn more about FCF Margin % →
What does a FCF Margin % of -142.44% mean?
Saudi National Bank (SAU:1180) has a FCF Margin % of -142.44% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Saudi National Bank and its competitors. According to the industry distribution chart, Saudi National Bank ranks #1320 out of 1508 companies in the Banks industry, placing it in the top 87.5%.
Is Saudi National Bank's FCF Margin % too high?
Saudi National Bank's current FCF Margin % is -142.44%. Based on the distribution chart, Saudi National Bank ranks #1320 out of 1508 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Saudi National Bank has a GF Score™ of 73/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Saudi National Bank's FCF Margin % compare to PNC?
According to the Banks industry distribution chart, Saudi National Bank ranks #1320 out of 1508 companies for FCF Margin %. This places Saudi National Bank in the lower half of its industry. The industry median FCF Margin % is 26.36. 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 1,508 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. 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 Saudi National 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. Saudi National Bank's current FCF Margin % is -142.44%. 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 ﷼39.90, compared to a current price of ﷼38.62 — trading 3.2% below its estimated fair value. The current FCF Margin % is -142.44%. Saudi National Bank's overall GF Score™ is 73/100 with 3 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 Saudi National Bank (SAU:1180), the current FCF Margin % is -142.44% 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 Saudi National Bank (SAU:1180) Overvalued in 2026?

Based on GuruFocus' analysis, Saudi National Bank stock appears to be undervalued. The current stock price of ﷼38.62 is trading 3.2% below its estimated GF Value™ of ﷼39.90. GuruFocus considers Saudi National Bank to be Fairly Valued.

Key valuation signals for SAU:1180:

  • FCF Margin %: -142.44%
  • GF Value™: ﷼39.90 vs. price of ﷼38.62 (3.2% below fair value)
  • GF Score™: 73/100 with 3 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.
73GF Score

Get the complete analysis for SAU:1180

FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

﷼38.62
Price
﷼39.90
GF Value