Al Rajhi BankSAU:1120 77 OCF Margin % is 27.19% as of Mar. 2026, which is 69% below its 10-year median of 88.13. GuruFocus rates SAU:1120 with a GF Score™ of 77/100 and a GF Value™ of ﷼79.48 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 1,502 Banks companies, Al Rajhi Bank ranks worse than 79.49% on this metric.
The historical rank and industry rank for Al Rajhi Bank's OCF Margin % or its related term are showing as below:
SAU:1120'
s OCF Margin % Range Over the Past 10 Years
Min: -57.42 Med: 88.13 Max: 128.67
Current: -13.45
During the past 13 years, the highest OCF Margin % of Al Rajhi Bank was 128.67%. The lowest was -57.42%. And the median was 88.13%.
SAU:1120's OCF Margin % is ranked worse than 79.49% of 1502
companies
in the Banks industry
Industry Median: 29.345
vs SAU:1120: -13.45
Al Rajhi Bank OCF Margin % Related Terms
Al Rajhi Bank OCF Margin % Historical Data
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The historical data trend for Al Rajhi Bank's OCF 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, Al Rajhi Bank's OCF Margin %, along with its competitors' market caps and OCF 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.
Al Rajhi Bank OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Al Rajhi Bank's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Al Rajhi Bank's OCF 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.
Al Rajhi Bank (SAU:1120) has a OCF Margin % of 27.19% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Al Rajhi Bank and its competitors. This is 69% below median its historical median of 88.13. According to the industry distribution chart, Al Rajhi Bank ranks #1194 out of 1502 companies in the Banks industry, placing it in the top 79.5%.
Is Al Rajhi Bank's OCF Margin % too high?
Al Rajhi Bank's current OCF Margin % of 27.19% is 69% below median its 10-year median of 88.13. The Banks industry median OCF Margin % is 29.35. Al Rajhi Bank's value of 27.19% is 7.3% below this industry median. Based on the distribution chart, Al Rajhi Bank ranks #1194 out of 1502 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Al Rajhi Bank has a GF Score™ of 77/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Al Rajhi Bank's OCF Margin % compare to PNC?
According to the Banks industry distribution chart, Al Rajhi Bank ranks #1194 out of 1502 companies for OCF Margin %. This places Al Rajhi Bank in the lower half of its industry. The industry median OCF Margin % is 29.35. Al Rajhi Bank's value of 27.19% is 7.3% below this benchmark. While the company's 10-year median is 88.13 vs. the industry median of 29.35, Al Rajhi Bank has consistently been below 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 OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.35, based on 1,502 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Al Rajhi Bank's current OCF Margin % of 27.19% is 7.3% below 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Al Rajhi Bank and its competitors. For the Banks industry, the median OCF Margin % is 29.35 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Al Rajhi Bank's current OCF Margin % is 27.19%, which is 69% below median its own 10-year median of 88.13. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Al Rajhi Bank stock overvalued right now?
Based on GuruFocus' analysis, Al Rajhi Bank (SAU:1120) is currently considered Modestly Undervalued. The stock's GF Value™ is ﷼79.48, compared to a current price of ﷼66.00 — trading 17% below its estimated fair value. The current OCF Margin % is 27.19%, which is 69% below median its 10-year median of 88.13 and 7.3% below the Banks industry median of 29.35. Al Rajhi Bank's overall GF Score™ is 77/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Al Rajhi Bank (SAU:1120), the current OCF Margin % is 27.19% 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 Al Rajhi Bank (SAU:1120) Overvalued in 2026?
Based on GuruFocus' analysis, Al Rajhi Bank stock appears to be undervalued.
The current stock price of ﷼66.00 is trading 17% below its estimated GF Value™ of ﷼79.48.
GuruFocus considers Al Rajhi Bank to be Modestly Undervalued.
Key valuation signals for SAU:1120:
OCF Margin %: 27.19% (69% below median its 10-year median of 88.13)
GF Value™: ﷼79.48 vs. price of ﷼66.00 (17% below fair value)
Industry Position: 7.3% below the Banks median (#1194 of 1502)
No single metric tells the full story. See the SAU:1120 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Al Rajhi Bank is an Islamic bank with a network of over 500 branches. Its segments include the Retail segment which includes accepting individual customer deposits, providing credit facilities, customer debit current accounts, fees from banking services, and remittance business; the Corporate segment which incorporates deposits of VIP, corporate customer deposits, credit facilities, and debit current accounts, Treasury segment through which it offers treasury services, Murabaha with SAMA and international Mutajara portfolio; and Investment services and brokerage and other that incorporates investments of individuals and corporate in mutual funds, local and international share trading services and investment portfolios.
77GF Score
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OCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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