Al Rajhi Bank (SAU:1120) Margin of Safety % (DCF Earnings Based): 20.04% (As of Jun. 29, 2026)


SAU:1120 Al Rajhi Bank SAU:1120
77 GF Score
Price ﷼66.30
GF Value ﷼79.21
Valuation Modestly Undervalued
! 4 Warning Signs
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What is Al Rajhi Bank Margin of Safety % (DCF Earnings Based)?

Al Rajhi Bank SAU:1120 -0.08% 77 Margin of Safety % (DCF Earnings Based) is 20.04% as of Jun. 29, 2026. GuruFocus rates SAU:1120 with a GF Score™ of 77/100 and a GF Value™ of ﷼79.21 (Modestly Undervalued). The stock has 4 warning signs investors should review.

Margin of Safety % (DCF Earnings Based) = (Intrinsic Value: DCF (Earnings Based) - Current Price) / Intrinsic Value: DCF (Earnings Based).

Note: Discounted Earnings model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and the data will not be stored into our database.

As of today (2026-06-29), Al Rajhi Bank's Predictability Rank is 3-Stars. Al Rajhi Bank's intrinsic value calculated from the Discounted Earnings model is ﷼82.92 and current share price is ﷼66.30. Consequently,

Al Rajhi Bank's Margin of Safety % (DCF Earnings Based) using Discounted Earnings model is 20.04%.

SAU:1120 vs PNC: Margin of Safety % (DCF Earnings Based) Comparison

For the Banks - Regional subindustry, Al Rajhi Bank's Margin of Safety % (DCF Earnings Based), along with its competitors' market caps and Margin of Safety % (DCF Earnings Based) 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 Margin of Safety % (DCF Earnings Based) vs Banks Industry

For the Banks industry and Financial Services sector, Al Rajhi Bank's Margin of Safety % (DCF Earnings Based) distribution charts can be found below:

* The bar in red indicates where Al Rajhi Bank's Margin of Safety % (DCF Earnings Based) falls into.


SAU:1120
77GF Score
Al Rajhi Bank SAU:1120
Margin of Safety % (DCF Earnings Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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Al Rajhi Bank Margin of Safety % (DCF Earnings Based) Calculation

Al Rajhi Bank's Margin of Safety % (DCF Earnings Based) for today is calculated as

Margin of Safety % (DCF Earnings Based)=(Intrinsic Value: DCF (Earnings Based)-Current Price)/Intrinsic Value: DCF (Earnings Based)
=(82.92-66.30)/82.92
=20.04 %

* 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.

The intrinsic value is calculated from the Discounted Earnings model with default parameters. The calculation method is the same as Discounted Cash Flow model except earnings are used in the calculation instead of free cash flow.

What does a Margin of Safety % (DCF Earnings Based) of 20.04% mean?
Al Rajhi Bank (SAU:1120) has a Margin of Safety % (DCF Earnings Based) of 20.04% as of Jun. 29, 2026. Margin of Safety % (DCF Earnings Based) is the percent difference between the current price and the intrinsic DCF Earnings price. View historical data on Al Rajhi Bank.
Is Al Rajhi Bank's Margin of Safety % (DCF Earnings Based) too high?
Al Rajhi Bank's current Margin of Safety % (DCF Earnings Based) is 20.04%. Overall, Al Rajhi Bank has a GF Score™ of 77/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Al Rajhi Bank's Margin of Safety % (DCF Earnings Based) compare to PNC?
Al Rajhi Bank's Margin of Safety % (DCF Earnings Based) of 20.04% 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 Margin of Safety % (DCF Earnings Based) for a Banks company?
A good Margin of Safety % (DCF Earnings Based) depends on the Banks industry context. However, Margin of Safety % (DCF Earnings Based) 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 Margin of Safety % (DCF Earnings Based) mean?
A high Margin of Safety % (DCF Earnings Based) can signal that a stock is expensive relative to its fundamentals. Margin of Safety % (DCF Earnings Based) is the percent difference between the current price and the intrinsic DCF Earnings price. View historical data on Al Rajhi Bank. Al Rajhi Bank's current Margin of Safety % (DCF Earnings Based) is 20.04%. 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 ﷼79.21, compared to a current price of ﷼66.30 — trading 16.3% below its estimated fair value. The current Margin of Safety % (DCF Earnings Based) is 20.04%. Al Rajhi Bank's overall GF Score™ is 77/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Margin of Safety % (DCF Earnings Based) calculated?
Margin of Safety % (DCF Earnings Based) is calculated from a company's financial statements. For Al Rajhi Bank (SAU:1120), the current Margin of Safety % (DCF Earnings Based) is 20.04% as of Jun. 29, 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 ﷼66.30 is trading 16.3% below its estimated GF Value™ of ﷼79.21. GuruFocus considers Al Rajhi Bank to be Modestly Undervalued.

Key valuation signals for SAU:1120:

  • Margin of Safety % (DCF Earnings Based): 20.04%
  • GF Value™: ﷼79.21 vs. price of ﷼66.30 (16.3% below fair value)
  • GF Score™: 77/100 with 4 warning signs

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 Business Description

Address 8467 King Fahd Road, Unit No. 1, Al Muruj District, Riyadh, SAU, 12263 - 2743
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.
77GF Score

Get the complete analysis for SAU:1120

Margin of Safety % (DCF Earnings Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

﷼66.30
Price
﷼79.21
GF Value