Saudi National BankSAU:1180 -2.23%73 Net Margin % is 63.01% as of Mar. 2026, which is 18% above its 10-year median of 53.41. 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. Among 1,530 Banks companies, Saudi National Bank ranks better than 97.97% on this metric.
The historical rank and industry rank for Saudi National Bank's Net Margin % or its related term are showing as below:
SAU:1180'
s Net Margin % Range Over the Past 10 Years
Min: 43.06 Med: 53.41 Max: 61.82
Current: 61.82
SAU:1180's Net Margin % is ranked better than 97.97% of 1530
companies
in the Banks industry
Industry Median: 26.845
vs SAU:1180: 61.82
Saudi National Bank (SAU:1180) 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.
Saudi National Bank Net Margin % Related Terms
Saudi National Bank Net Margin % Historical Data
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The historical data trend for Saudi 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, Saudi 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.
Saudi National Bank Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Saudi National Bank's Net Margin % distribution charts can be found below:
* The bar in red indicates where Saudi 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.
Saudi National Bank (SAU:1180) has a Net Margin % of 63.01% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Saudi National Bank and its competitors. This is 18% above median its historical median of 53.41. Over the past decade, Saudi National Bank's Net Margin % has ranged from 43.06 to 61.82. According to the industry distribution chart, Saudi National Bank ranks #31 out of 1530 companies in the Banks industry, placing it in the top 2%.
Is Saudi National Bank's Net Margin % too high?
Saudi National Bank's current Net Margin % of 63.01% is 18% above median its 10-year median of 53.41. Over the past 10 years, this metric has ranged from a low of 43.06 to a high of 61.82. The Banks industry median Net Margin % is 26.85. Saudi National Bank's value of 63.01% is 134.7% above this industry median. Based on the distribution chart, Saudi National Bank ranks #31 out of 1530 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 Net Margin % compare to PNC?
According to the Banks industry distribution chart, Saudi National Bank ranks #31 out of 1530 companies for Net Margin %. This places Saudi National Bank in the top 2% of its industry — outperforming the majority of peers. The industry median Net Margin % is 26.85. Saudi National Bank's value of 63.01% is 134.7% above this benchmark. Historically, Saudi National Bank's own Net Margin % has ranged from 43.06 to 61.82 over the past decade. While the company's 10-year median is 53.41 vs. the industry median of 26.85, Saudi 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 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. Saudi National Bank's current Net Margin % of 63.01% is 134.7% 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 Saudi National Bank 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. Saudi National Bank's current Net Margin % is 63.01%, which is 18% above median its own 10-year median of 53.41. 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 Net Margin % is 63.01%, which is 18% above median its 10-year median of 53.41 and 134.7% above the Banks industry median of 26.85. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Saudi National Bank (SAU:1180), the current Net Margin % is 63.01% 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 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:
Net Margin %: 63.01% (18% above median its 10-year median of 53.41)
GF Value™: ﷼39.90 vs. price of ﷼38.62 (3.2% below fair value)
Industry Position: 134.7% above the Banks median (#31 of 1530)
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.
AddressKing 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
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