Saudi National Bank (SAU:1180) Margin of Safety % (DCF Earnings Based): 23.69% (As of Jun. 30, 2026)


SAU:1180 Saudi National Bank SAU:1180
73 GF Score
Price ﷼38.62
GF Value ﷼39.90
Valuation Fairly Valued
! 3 Warning Signs
View Full Analysis

What is Saudi National Bank Margin of Safety % (DCF Earnings Based)?

Saudi National Bank SAU:1180 -2.23% 73 Margin of Safety % (DCF Earnings Based) is 23.69% as of Jun. 30, 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.

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 (2026-06-30), Saudi National Bank's Predictability Rank is 5-Stars. Saudi National Bank's intrinsic value calculated from the Discounted Earnings model is ﷼50.61 and current share price is ﷼38.62. Consequently,

Saudi National Bank's Margin of Safety % (DCF Earnings Based) using Discounted Earnings model is 23.69%.

SAU:1180 vs PNC: Margin of Safety % (DCF Earnings Based) Comparison

For the Banks - Regional subindustry, Saudi National 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.

Saudi National Bank Margin of Safety % (DCF Earnings Based) vs Banks Industry

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

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


SAU:1180
73GF Score
Saudi National Bank SAU:1180
Margin of Safety % (DCF Earnings Based) is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Saudi National Bank Margin of Safety % (DCF Earnings Based) Calculation

Saudi National 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)
=(50.61-38.62)/50.61
=23.69 %

* 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 23.69% mean?
Saudi National Bank (SAU:1180) has a Margin of Safety % (DCF Earnings Based) of 23.69% as of Jun. 30, 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 Saudi National Bank.
Is Saudi National Bank's Margin of Safety % (DCF Earnings Based) too high?
Saudi National Bank's current Margin of Safety % (DCF Earnings Based) is 23.69%. 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 Margin of Safety % (DCF Earnings Based) compare to PNC?
Saudi National Bank's Margin of Safety % (DCF Earnings Based) of 23.69% 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 Saudi National Bank. Saudi National Bank's current Margin of Safety % (DCF Earnings Based) is 23.69%. 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 Margin of Safety % (DCF Earnings Based) is 23.69%. 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 Margin of Safety % (DCF Earnings Based) calculated?
Margin of Safety % (DCF Earnings Based) is calculated from a company's financial statements. For Saudi National Bank (SAU:1180), the current Margin of Safety % (DCF Earnings Based) is 23.69% as of Jun. 30, 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:

  • Margin of Safety % (DCF Earnings Based): 23.69%
  • 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

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

﷼38.62
Price
﷼39.90
GF Value