Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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.
Arab National BankSAU:1080 -2.38%79 Net Margin % is 52.50% as of Mar. 2026, which is 10% above its 10-year median of 47.56. GuruFocus rates SAU:1080 with a GF Score™ of 79/100 and a GF Value™ of ﷼23.00 (Fairly Valued). The stock has 1 warning sign investors should review. Among 1,527 Banks companies, Arab National Bank ranks better than 95.28% on this metric.
The historical rank and industry rank for Arab National Bank's Net Margin % or its related term are showing as below:
SAU:1080'
s Net Margin % Range Over the Past 10 Years
Min: 35.51 Med: 47.56 Max: 60.69
Current: 52.05
SAU:1080's Net Margin % is ranked better than 95.28% of 1527
companies
in the Banks industry
Industry Median: 27.06
vs SAU:1080: 52.05
Arab National Bank (SAU:1080) 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.
Arab National Bank Net Margin % Related Terms
Arab National Bank Net Margin % Historical Data
* Premium members only.
The historical data trend for Arab National Bank'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, Arab National Bank'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.
Arab National Bank Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Arab National Bank's Net Margin % distribution charts can be found below:
* The bar in red indicates where Arab National Bank'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.
Arab National Bank (SAU:1080) has a Net Margin % of 52.50% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Arab National Bank and its competitors. This is 10% above median its historical median of 47.56. Over the past decade, Arab National Bank's Net Margin % has ranged from 35.51 to 60.69. According to the industry distribution chart, Arab National Bank ranks #72 out of 1527 companies in the Banks industry, placing it in the top 4.7%.
Is Arab National Bank's Net Margin % too high?
Arab National Bank's current Net Margin % of 52.50% is 10% above median its 10-year median of 47.56. Over the past 10 years, this metric has ranged from a low of 35.51 to a high of 60.69. The Banks industry median Net Margin % is 27.06. Arab National Bank's value of 52.50% is 94% above this industry median. Based on the distribution chart, Arab National Bank ranks #72 out of 1527 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Arab National Bank has a GF Score™ of 79/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Arab National Bank's Net Margin % compare to PNC and USB?
According to the Banks industry distribution chart, Arab National Bank ranks #72 out of 1527 companies for Net Margin %. This places Arab National Bank in the top 5% of its industry — outperforming the majority of peers. The industry median Net Margin % is 27.06. Arab National Bank's value of 52.50% is 94% above this benchmark. Historically, Arab National Bank's own Net Margin % has ranged from 35.51 to 60.69 over the past decade. While the company's 10-year median is 47.56 vs. the industry median of 27.06, Arab National Bank 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 27.06, based on 1,527 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. Arab National Bank's current Net Margin % of 52.50% is 94% 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 Arab National Bank and its competitors. For the Banks industry, the median Net Margin % is 27.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Arab National Bank's current Net Margin % is 52.50%, which is 10% above median its own 10-year median of 47.56. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Arab National Bank stock overvalued right now?
Based on GuruFocus' analysis, Arab National Bank (SAU:1080) is currently considered Fairly Valued. The stock's GF Value™ is ﷼23.00, compared to a current price of ﷼21.32 — trading 7.3% below its estimated fair value. The current Net Margin % is 52.50%, which is 10% above median its 10-year median of 47.56 and 94% above the Banks industry median of 27.06. Arab National Bank's overall GF Score™ is 79/100 with 1 warning sign 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 Arab National Bank (SAU:1080), the current Net Margin % is 52.50% 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 Arab National Bank (SAU:1080) Overvalued in 2026?
Based on GuruFocus' analysis, Arab National Bank stock appears to be undervalued.
The current stock price of ﷼21.32 is trading 7.3% below its estimated GF Value™ of ﷼23.00.
GuruFocus considers Arab National Bank to be Fairly Valued.
Key valuation signals for SAU:1080:
Net Margin %: 52.50% (10% above median its 10-year median of 47.56)
GF Value™: ﷼23.00 vs. price of ﷼21.32 (7.3% below fair value)
Industry Position: 94% above the Banks median (#72 of 1527)
No single metric tells the full story. See the SAU:1080 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Arab National Bank is a commercial banking service provider based in Saudi Arabia. It offers comprehensive banking solutions including business banking, retail banking, investment products, and other banking services to customers across Saudi Arabia. The company's operating segments are: i) Retail Banking, ii) Corporate Banking, iii) Treasury segment, iv) Investment and brokerage services and iv) Other. The majority of the company's revenue is derived from the Corporate Banking segment, which includes providing Loans and advances, deposits and other credit products for corporate and institutional customers, small to medium sized businesses. Geographically, it operates in Saudi Arabia, Other GCC & Middle East, Europe, North America, Latin America, South East Asia and Other Countries.
79GF Score
Get the complete analysis for SAU:1080
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:1080 has been successfully added to your 
