Saudi National Bank (SAU:1180) Net Debt Paydown Yield % : -13.35% (As of Aug. 03, 2026)

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Director of Data and Quant Analytics at GuruFocus
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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.

SAU:1180 Saudi National Bank SAU:1180
74 GF Score
Price ﷼39.20
GF Value ﷼40.49
Valuation Fairly Valued
! 3 Warning Signs
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What is Saudi National Bank Net Debt Paydown Yield %?

Saudi National Bank SAU:1180 74 Net Debt Paydown Yield % is -13.35% as of Aug. 03, 2026. GuruFocus rates SAU:1180 with a GF Score™ of 74/100 and a GF Value™ of ﷼40.49 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,416 Banks companies, Saudi National Bank ranks worse than 75.64% on this metric.

Net Debt Paydown Yield % is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. It is a measure of a company's willingness and ability to reduce its debt. As of today, Saudi National Bank's Net Debt Paydown Yield % was -13.35%.


Saudi National Bank  (SAU:1180) Net Debt Paydown Yield % Explanation

Net Debt Paydown Yield % is the change in average of four quarters of company's total debt over a company's market cap. Assuming the total value of a company remains that same, shareholder value is increased as debt is reduced. In other words, it is a measure of the willingness and ability of a firm's management to pay down debt. Companies that have high debt paydown yields indicate that they are more aggressive with paying down debt.

In the calculation of Net Debt Paydown Yield %, we use the reductions of TTM average total debt one-year-ago and TTM average total debt at present, divided by its Market Cap.

We calculating the TTM average debt by adding up the total debt, calculated by the sum of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation, in the trailing twelve months(TTM) divided by the counts of the total debt, accoring to the company's report frequency.


Saudi National Bank Net Debt Paydown Yield % Related Terms


Saudi National Bank Net Debt Paydown Yield % Historical Data

* Premium members only.

The historical data trend for Saudi National Bank's Net Debt Paydown Yield % 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 Net Debt Paydown Yield % Chart

Saudi National Bank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Debt Paydown Yield %
Get a 7-Day Free Trial Premium Member Only Premium Member Only -1.61 -2.47 -4.37 -26.30 -20.24

Saudi National Bank Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Net Debt Paydown Yield % 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 -29.42 -21.06 -20.24 -13.45 -13.54

SAU:1180 vs PNC: Net Debt Paydown Yield % Comparison

For the Banks - Regional subindustry, Saudi National Bank's Net Debt Paydown Yield %, along with its competitors' market caps and Net Debt Paydown Yield % 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 Net Debt Paydown Yield % vs Banks Industry

For the Banks industry and Financial Services sector, Saudi National Bank's Net Debt Paydown Yield % distribution charts can be found below:

* The bar in red indicates where Saudi National Bank's Net Debt Paydown Yield % falls into.


SAU:1180
74GF Score
Saudi National Bank SAU:1180
Net Debt Paydown Yield % is just one metric. See GF Score™, valuation, warning signs, and more.
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Saudi National Bank Net Debt Paydown Yield % Calculation

Saudi National Bank's Net Debt Paydown Yield % for the quarter that ended in Jun. 2026 is calculated as:

Net Debt Paydown Yield %
=( TTM Average Debt   (1-Year Ago))-TTM Average Debt )/Market Cap
=( 103876.75-134943.12 )/229447.1
=-13.54 %

* 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.

* All the data are calculated by TTM values. Note that if a companies is traded in several exchanges, then we calculate the company level data for Net Debt Paydown Yield % using the primary share class stock data. The calculation result in definition page is for demonstration purpose only, and it's showing the share class level data. Therefore, the numbers in the calculation may differ from elsewhere if the stock is not a primary share.

What does a Net Debt Paydown Yield % of -13.35% mean?
Saudi National Bank (SAU:1180) has a Net Debt Paydown Yield % of -13.35% as of Aug. 03, 2026. Net Debt Paydown Yield is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. This metric provides insight into a company's willingness and ability to reduce its debt using free cash flow. View historical data on Saudi National Bank and its competitors. According to the industry distribution chart, Saudi National Bank ranks #1071 out of 1416 companies in the Banks industry, placing it in the top 75.6%.
Is Saudi National Bank's Net Debt Paydown Yield % too high?
Saudi National Bank's current Net Debt Paydown Yield % is -13.35%. Based on the distribution chart, Saudi National Bank ranks #1071 out of 1416 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Saudi National Bank has a GF Score™ of 74/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Saudi National Bank's Net Debt Paydown Yield % compare to PNC?
According to the Banks industry distribution chart, Saudi National Bank ranks #1071 out of 1416 companies for Net Debt Paydown Yield %. This places Saudi National Bank in the lower half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Debt Paydown Yield % for a Banks company?
A good Net Debt Paydown Yield % depends on the Banks industry context. However, Net Debt Paydown Yield % 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 Net Debt Paydown Yield % mean?
A high Net Debt Paydown Yield % can signal that a stock is expensive relative to its fundamentals. Net Debt Paydown Yield is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. This metric provides insight into a company's willingness and ability to reduce its debt using free cash flow. View historical data on Saudi National Bank and its competitors. Saudi National Bank's current Net Debt Paydown Yield % is -13.35%. 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 ﷼40.49, compared to a current price of ﷼39.20 — trading 3.2% below its estimated fair value. The current Net Debt Paydown Yield % is -13.35%. Saudi National Bank's overall GF Score™ is 74/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Debt Paydown Yield % calculated?
Net Debt Paydown Yield % is calculated from a company's financial statements. For Saudi National Bank (SAU:1180), the current Net Debt Paydown Yield % is -13.35% as of Aug. 03, 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 ﷼39.20 is trading 3.2% below its estimated GF Value™ of ﷼40.49. GuruFocus considers Saudi National Bank to be Fairly Valued.

Key valuation signals for SAU:1180:

  • Net Debt Paydown Yield %: -13.35%
  • GF Value™: ﷼40.49 vs. price of ﷼39.20 (3.2% below fair value)
  • GF Score™: 74/100 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.
74GF Score

Get the complete analysis for SAU:1180

Net Debt Paydown Yield % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

﷼39.20
Price
﷼40.49
GF Value