Al Rajhi Bank (SAU:1120) Quality Rank

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
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.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
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.

SAU:1120 Al Rajhi Bank SAU:1120
78 GF Score
Price ﷼65.20
GF Value ﷼79.56
Valuation Modestly Undervalued
! 4 Warning Signs
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What is Al Rajhi Bank Quality Rank?

The Quality Rank measures the business quality of a company relative to other companies. It is ranked based on the strength of the balance sheet, as well as the profitability and growth of the business. The ranked companies are split in equal numbers and then ranked from 1 to 10, with 10 being the highest.

The rank of balance sheet (30%)

The rank of balance sheet is done through the ranking of:
  • Interest coverage
  • Zscore
  • Debt to revenue
  • Equity to asset
  • Cash to debt

The rank of Profitability (70%)

The ranking of Profitability is done by ranking:
  • Operating margin mean rank (10-year mean average profit margine)
  • Operating margin growth rank
  • Fscore
  • Predictability rank
  • Revenue growth rank (5 year), when the growth is higher than 25%, set it as 25%
  • Num of year profit (number of years that is profitable within the last 10 years)
  • ROIC median (10-year median of ROIC)

Al Rajhi Bank Quality Rank Related Terms

SAU:1120
78GF Score
Al Rajhi Bank SAU:1120
Quality Rank is just one metric. See GF Score™, valuation, warning signs, and more.
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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 ﷼65.20 is trading 18% below its estimated GF Value™ of ﷼79.56. GuruFocus considers Al Rajhi Bank to be Modestly Undervalued.

Key valuation signals for SAU:1120:

  • Quality Rank:
  • GF Value™: ﷼79.56 vs. price of ﷼65.20 (18% below fair value)
  • GF Score™: 78/100 with 4 warning signs

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 Business Description

Address 8467 King Fahd Road, Unit No. 1, Al Muruj District, Riyadh, SAU, 12263 - 2743
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.
78GF Score

Get the complete analysis for SAU:1120

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

﷼65.20
Price
﷼79.56
GF Value