Bank AlJaziraSAU:1020 -1.42%78 Net Margin % is 35.14% as of Mar. 2026, which is 8% above its 10-year median of 32.46. GuruFocus rates SAU:1020 with a GF Score™ of 78/100 and a GF Value™ of ﷼16.56 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 1,530 Banks companies, Bank AlJazira ranks better than 73.27% on this metric.
Net margin is calculated as Net Income divided by its Revenue. Bank AlJazira's Net Income for the
three
months ended in Mar. 2026 was ﷼405 Mil. Bank AlJazira's Revenue for the
three
months ended in Mar. 2026 was ﷼1,153 Mil. Therefore, Bank AlJazira's net margin for the quarter that ended in Mar. 2026 was 35.14%.
The historical rank and industry rank for Bank AlJazira's Net Margin % or its related term are showing as below:
SAU:1020'
s Net Margin % Range Over the Past 10 Years
Min: 1.03 Med: 32.46 Max: 35.26
Current: 34.17
SAU:1020's Net Margin % is ranked better than 73.27% of 1530
companies
in the Banks industry
Industry Median: 26.845
vs SAU:1020: 34.17
Bank AlJazira (SAU:1020) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Bank AlJazira Net Margin % Related Terms
Bank AlJazira Net Margin % Historical Data
* Premium members only.
The historical data trend for Bank AlJazira's Net 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, Bank AlJazira's Net Margin %, along with its competitors' market caps and Net 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.
Bank AlJazira Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Bank AlJazira's Net Margin % distribution charts can be found below:
* The bar in red indicates where Bank AlJazira's Net 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.
Bank AlJazira (SAU:1020) has a Net Margin % of 35.14% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Bank AlJazira and its competitors. This is near median its historical median of 32.46. Over the past decade, Bank AlJazira's Net Margin % has ranged from 1.03 to 35.26. According to the industry distribution chart, Bank AlJazira ranks #409 out of 1530 companies in the Banks industry, placing it in the top 26.7%.
Is Bank AlJazira's Net Margin % too high?
Bank AlJazira's current Net Margin % of 35.14% is near median its 10-year median of 32.46. Over the past 10 years, this metric has ranged from a low of 1.03 to a high of 35.26. The Banks industry median Net Margin % is 26.85. Bank AlJazira's value of 35.14% is 30.9% above this industry median. Based on the distribution chart, Bank AlJazira ranks #409 out of 1530 companies in the Banks industry, which is above the industry midpoint. Overall, Bank AlJazira has a GF Score™ of 78/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Bank AlJazira's Net Margin % compare to PNC and USB?
According to the Banks industry distribution chart, Bank AlJazira ranks #409 out of 1530 companies for Net Margin %. This puts Bank AlJazira in the upper half of its industry. The industry median Net Margin % is 26.85. Bank AlJazira's value of 35.14% is 30.9% above this benchmark. Historically, Bank AlJazira's own Net Margin % has ranged from 1.03 to 35.26 over the past decade. While the company's 10-year median is 32.46 vs. the industry median of 26.85, Bank AlJazira has consistently been above 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.85, based on 1,530 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bank AlJazira's current Net Margin % of 35.14% is 30.9% above 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Bank AlJazira and its competitors. For the Banks industry, the median Net Margin % is 26.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bank AlJazira's current Net Margin % is 35.14%, which is near median its own 10-year median of 32.46. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank AlJazira stock overvalued right now?
Based on GuruFocus' analysis, Bank AlJazira (SAU:1020) is currently considered Modestly Undervalued. The stock's GF Value™ is ﷼16.56, compared to a current price of ﷼11.76 — trading 29% below its estimated fair value. The current Net Margin % is 35.14%, which is near median its 10-year median of 32.46 and 30.9% above the Banks industry median of 26.85. Bank AlJazira's overall GF Score™ is 78/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Bank AlJazira (SAU:1020), the current Net Margin % is 35.14% 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 Bank AlJazira (SAU:1020) Overvalued in 2026?
Based on GuruFocus' analysis, Bank AlJazira stock appears to be undervalued.
The current stock price of ﷼11.76 is trading 29% below its estimated GF Value™ of ﷼16.56.
GuruFocus considers Bank AlJazira to be Modestly Undervalued.
Key valuation signals for SAU:1020:
Net Margin %: 35.14% (near median its 10-year median of 32.46)
GF Value™: ﷼16.56 vs. price of ﷼11.76 (29% below fair value)
Industry Position: 30.9% above the Banks median (#409 of 1530)
No single metric tells the full story. See the SAU:1020 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Bank AlJazira provides banking services. The company's main operating segments are: i) Personal banking: Deposit, credit and investment products for individuals. ii) Corporate banking: Financing, deposits and other credit products for corporate, small to medium sized business and institutional customers. iii) Treasury: Treasury includes money market, foreign exchange, trading and treasury services. iv) Brokerage and asset management: It provides shares brokerage and asset management services to customers. The majority of the company's revenue is derived from the Corporate banking segment. Geographically, it has a presence in the Kingdom of Saudi Arabia, GCC and Middle East, Europe, North America, South East Asia and Other countries.
78GF Score
Get the complete analysis for SAU:1020
Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
SAU:1020 has been successfully added to your 
