Bank Albilad (SAU:1140) OCF Margin %: -135.83% (As of Mar. 2026)


SAU:1140 Bank Albilad SAU:1140
83 GF Score
Price ﷼24.00
GF Value ﷼33.01
Valuation Modestly Undervalued
! 2 Warning Signs
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What is Bank Albilad OCF Margin %?

Bank Albilad SAU:1140 -1.60% 83 OCF Margin % is -135.83% as of Mar. 2026. GuruFocus rates SAU:1140 with a GF Score™ of 83/100 and a GF Value™ of ﷼33.01 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 1,503 Banks companies, Bank Albilad ranks worse than 53.56% on this metric.

OCF Margin % is calculated as Cash Flow from Operations divided by its Revenue. Bank Albilad's Cash Flow from Operations for the three months ended in Mar. 2026 was ﷼-2,077 Mil. Bank Albilad's Revenue for the three months ended in Mar. 2026 was ﷼1,529 Mil. Therefore, Bank Albilad's OCF Margin % for the quarter that ended in Mar. 2026 was -135.83%.

As of today, Bank Albilad's current OCF Yield % is 4.65%.

The historical rank and industry rank for Bank Albilad's OCF Margin % or its related term are showing as below:

SAU:1140' s OCF Margin % Range Over the Past 10 Years
Min: 0.75   Med: 61.33   Max: 170.77
Current: 27.6


During the past 13 years, the highest OCF Margin % of Bank Albilad was 170.77%. The lowest was 0.75%. And the median was 61.33%.

SAU:1140's OCF Margin % is ranked worse than
53.56% of 1503 companies
in the Banks industry
Industry Median: 29.37 vs SAU:1140: 27.60


Bank Albilad OCF Margin % Related Terms


Bank Albilad OCF Margin % Historical Data

* Premium members only.

The historical data trend for Bank Albilad'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.

Bank Albilad OCF Margin % Chart

Bank Albilad Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
OCF Margin %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 56.64 170.77 24.37 136.39 75.36

Bank Albilad Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
OCF Margin % 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 58.73 -141.41 271.94 109.74 -135.83

SAU:1140 vs PNC, USB: OCF Margin % Comparison

For the Banks - Regional subindustry, Bank Albilad'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.


Bank Albilad OCF Margin % vs Banks Industry

For the Banks industry and Financial Services sector, Bank Albilad's OCF Margin % distribution charts can be found below:

* The bar in red indicates where Bank Albilad's OCF Margin % falls into.


SAU:1140
83GF Score
Bank Albilad SAU:1140
OCF Margin % is just one metric. See GF Score™, valuation, warning signs, and more.
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Bank Albilad OCF Margin % Calculation

OCF Margin % is the ratio of Cash Flow from Operations divided by net sales or Revenue, usually presented in percent.

Bank Albilad's OCF Margin for the fiscal year that ended in Dec. 2025 is calculated as

OCF Margin=Cash Flow from Operations (A: Dec. 2025 )/Revenue (A: Dec. 2025 )
=4661.961/6186.078
=75.36 %

Bank Albilad's OCF Margin for the quarter that ended in Mar. 2026 is calculated as

OCF Margin=Cash Flow from Operations (Q: Mar. 2026 )/Revenue (Q: Mar. 2026 )
=-2077.095/1529.211
=-135.83 %

* 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.

Frequently Asked Questions Learn more about OCF Margin % →
What does a OCF Margin % of -135.83% mean?
Bank Albilad (SAU:1140) has a OCF Margin % of -135.83% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Bank Albilad and its competitors. Over the past decade, Bank Albilad's OCF Margin % has ranged from 0.75 to 170.77. According to the industry distribution chart, Bank Albilad ranks #805 out of 1503 companies in the Banks industry, placing it in the top 53.6%.
Is Bank Albilad's OCF Margin % too high?
Bank Albilad's current OCF Margin % is -135.83%. Over the past 10 years, this metric has ranged from a low of 0.75 to a high of 170.77. Based on the distribution chart, Bank Albilad ranks #805 out of 1503 companies in the Banks industry, which is below the industry midpoint. Overall, Bank Albilad has a GF Score™ of 83/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Bank Albilad's OCF Margin % compare to PNC and USB?
According to the Banks industry distribution chart, Bank Albilad ranks #805 out of 1503 companies for OCF Margin %. This places Bank Albilad in the lower half of its industry. The industry median OCF Margin % is 29.37. Historically, Bank Albilad's own OCF Margin % has ranged from 0.75 to 170.77 over the past decade. 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 29.37, based on 1,503 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. 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 Bank Albilad and its competitors. For the Banks industry, the median OCF Margin % is 29.37 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bank Albilad's current OCF Margin % is -135.83%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank Albilad stock overvalued right now?
Based on GuruFocus' analysis, Bank Albilad (SAU:1140) is currently considered Modestly Undervalued. The stock's GF Value™ is ﷼33.01, compared to a current price of ﷼24.00 — trading 27.3% below its estimated fair value. The current OCF Margin % is -135.83%. Bank Albilad's overall GF Score™ is 83/100 with 2 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 Bank Albilad (SAU:1140), the current OCF Margin % is -135.83% 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 Albilad (SAU:1140) Overvalued in 2026?

Based on GuruFocus' analysis, Bank Albilad stock appears to be undervalued. The current stock price of ﷼24.00 is trading 27.3% below its estimated GF Value™ of ﷼33.01. GuruFocus considers Bank Albilad to be Modestly Undervalued.

Key valuation signals for SAU:1140:

  • OCF Margin %: -135.83%
  • GF Value™: ﷼33.01 vs. price of ﷼24.00 (27.3% below fair value)
  • GF Score™: 83/100 with 2 warning signs

No single metric tells the full story. See the SAU:1140 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Bank Albilad Business Description

Address 8229 Al Mutamarat, Unit 2, Riyadh, SAU, 3952- 12711
Bank Albilad is a banking corporation conducting business mainly in the Kingdom of Saudi Arabia. It is divided into four operating segments: Retail banking provides services and products to individuals, including deposits, financing, remittances, and currency exchange, Corporate banking provides services and products to corporate customers including deposits, financing, and trade services, Treasury provides money market and treasury services and Investment banking and brokerage provides investment management services and asset management activities related to dealing, managing, arranging, advising and custody of securities. Key revenue is generated from the Retail banking segment.
83GF Score

Get the complete analysis for SAU:1140

OCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

﷼24.00
Price
﷼33.01
GF Value