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Al Rajhi BankSAU:1120 77 PB Ratio is 2.52 as of Aug. 16, 2026, which is 15% below its 10-year median of 2.98. GuruFocus rates SAU:1120 with a GF Score™ of 77/100 and a GF Value™ of ﷼79.35 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 1,515 Banks companies, Al Rajhi Bank ranks worse than 93.2% on this metric.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. As of today (2026-08-16), Al Rajhi Bank's share price is ﷼64.05. Al Rajhi Bank's Book Value per Share for the quarter that ended in Jun. 2026 was ﷼25.40. Hence, Al Rajhi Bank's PB Ratio of today is 2.52.
Good Sign:
Al Rajhi Bank stock PB Ratio (=2.52) is close to 5-year low of 2.46.
The historical rank and industry rank for Al Rajhi Bank's PB Ratio or its related term are showing as below:
SAU:1120'
s PB Ratio Range Over the Past 10 Years
Min: 1.69 Med: 2.98 Max: 5.91
Current: 2.52
During the past 13 years, Al Rajhi Bank's highest PB Ratio was 5.91. The lowest was 1.69. And the median was 2.98.
SAU:1120's PB Ratio is ranked worse than 93.2% of 1515
companies
in the Banks industry
Industry Median: 1.12
vs SAU:1120: 2.52
During the past 12 months, Al Rajhi Bank's average Book Value Per Share Growth Rate was 13.80% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 12.50% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 20.00% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 12.30% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Al Rajhi Bank was 25.10% per year. The lowest was -0.50% per year. And the median was 8.70% per year.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Al Rajhi Bank PB Ratio Related Terms
Al Rajhi Bank PB Ratio Historical Data
* Premium members only.
The historical data trend for Al Rajhi Bank's PB Ratio 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 PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Al Rajhi Bank's PB Ratio distribution charts can be found below:
* The bar in red indicates where Al Rajhi Bank's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
Al Rajhi Bank's PB Ratio for today is calculated as follows:
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Al Rajhi Bank (SAU:1120) has a PB Ratio of 2.52 as of Aug. 16, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Al Rajhi Bank and its competitors. This is 15% below median its historical median of 2.98. Over the past decade, Al Rajhi Bank's PB Ratio has ranged from 1.69 to 5.91. According to the industry distribution chart, Al Rajhi Bank ranks #1412 out of 1515 companies in the Banks industry, placing it in the top 93.2%.
Is Al Rajhi Bank's PB Ratio too high?
Al Rajhi Bank's current PB Ratio of 2.52 is 15% below median its 10-year median of 2.98. Over the past 10 years, this metric has ranged from a low of 1.69 to a high of 5.91. The Banks industry median PB Ratio is 1.12. Al Rajhi Bank's value of 2.52 is 125% above this industry median. Based on the distribution chart, Al Rajhi Bank ranks #1412 out of 1515 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 PB Ratio compare to PNC?
According to the Banks industry distribution chart, Al Rajhi Bank ranks #1412 out of 1515 companies for PB Ratio. This places Al Rajhi Bank in the lower half of its industry. The industry median PB Ratio is 1.12. Al Rajhi Bank's value of 2.52 is 125% above this benchmark. Historically, Al Rajhi Bank's own PB Ratio has ranged from 1.69 to 5.91 over the past decade. While the company's 10-year median is 2.98 vs. the industry median of 1.12, Al Rajhi 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.12, based on 1,515 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Al Rajhi Bank's current PB Ratio of 2.52 is 125% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Al Rajhi Bank and its competitors. For the Banks industry, the median PB Ratio is 1.12 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Al Rajhi Bank's current PB Ratio is 2.52, which is 15% below median its own 10-year median of 2.98. 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 ﷼79.35, compared to a current price of ﷼64.05 — trading 19.3% below its estimated fair value. The current PB Ratio is 2.52, which is 15% below median its 10-year median of 2.98 and 125% above the Banks industry median of 1.12. Al Rajhi Bank's overall GF Score™ is 77/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Al Rajhi Bank (SAU:1120), the current PB Ratio is 2.52 as of Aug. 16, 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 ﷼64.05 is trading 19.3% below its estimated GF Value™ of ﷼79.35.
GuruFocus considers Al Rajhi Bank to be Modestly Undervalued.
Key valuation signals for SAU:1120:
PB Ratio: 2.52 (15% below median its 10-year median of 2.98)
GF Value™: ﷼79.35 vs. price of ﷼64.05 (19.3% below fair value)
Industry Position: 125% above the Banks median (#1412 of 1515)
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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