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Saudi Investment BankSAU:1030 +0.14%80 Return-on-Tangible-Equity is 9.53% as of Mar. 2026, which is 8% above its 10-year median of 8.86. GuruFocus rates SAU:1030 with a GF Score™ of 80/100 and a GF Value™ of ﷼15.32 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 1,522 Banks companies, Saudi Investment Bank ranks better than 51.12% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Saudi Investment Bank's annualized net income for the quarter that ended in Mar. 2026 was ﷼2,078 Mil. Saudi Investment Bank's average shareholder tangible equity for the quarter that ended in Mar. 2026 was ﷼21,798 Mil. Therefore, Saudi Investment Bank's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 9.53%.
The historical rank and industry rank for Saudi Investment Bank's Return-on-Tangible-Equity or its related term are showing as below:
SAU:1030'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 1.78 Med: 8.86 Max: 11.62
Current: 11.62
During the past 13 years, Saudi Investment Bank's highest Return-on-Tangible-Equity was 11.62%. The lowest was 1.78%. And the median was 8.86%.
SAU:1030's Return-on-Tangible-Equity is ranked better than 51.12% of 1522
companies
in the Banks industry
Industry Median: 11.375
vs SAU:1030: 11.62
Saudi Investment Bank (SAU:1030) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Saudi Investment Bank Return-on-Tangible-Equity Related Terms
Saudi Investment Bank Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Saudi Investment Bank's Return-on-Tangible-Equity 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.
Saudi Investment Bank Return-on-Tangible-Equity Chart
SAU:1030 vs PNC, USB: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Saudi Investment Bank's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Investment Bank Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Saudi Investment Bank's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Saudi Investment Bank's Return-on-Tangible-Equity 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 9.53% mean?
Saudi Investment Bank (SAU:1030) has a Return-on-Tangible-Equity of 9.53% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Saudi Investment Bank and its competitors. This is near median its historical median of 8.86. Over the past decade, Saudi Investment Bank's Return-on-Tangible-Equity has ranged from 1.78 to 11.62. According to the industry distribution chart, Saudi Investment Bank ranks #744 out of 1522 companies in the Banks industry, placing it in the top 48.9%.
Is Saudi Investment Bank's Return-on-Tangible-Equity too high?
Saudi Investment Bank's current Return-on-Tangible-Equity of 9.53% is near median its 10-year median of 8.86. Over the past 10 years, this metric has ranged from a low of 1.78 to a high of 11.62. The Banks industry median Return-on-Tangible-Equity is 11.38. Saudi Investment Bank's value of 9.53% is 16.2% below this industry median. Based on the distribution chart, Saudi Investment Bank ranks #744 out of 1522 companies in the Banks industry, which is above the industry midpoint. Overall, Saudi Investment Bank has a GF Score™ of 80/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Saudi Investment Bank's Return-on-Tangible-Equity compare to PNC and USB?
According to the Banks industry distribution chart, Saudi Investment Bank ranks #744 out of 1522 companies for Return-on-Tangible-Equity. This puts Saudi Investment Bank in the upper half of its industry. The industry median Return-on-Tangible-Equity is 11.38. Saudi Investment Bank's value of 9.53% is 16.2% below this benchmark. Historically, Saudi Investment Bank's own Return-on-Tangible-Equity has ranged from 1.78 to 11.62 over the past decade. While the company's 10-year median is 8.86 vs. the industry median of 11.38, Saudi Investment 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 Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.38, based on 1,522 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Saudi Investment Bank's current Return-on-Tangible-Equity of 9.53% is 16.2% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Saudi Investment Bank and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.38 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Saudi Investment Bank's current Return-on-Tangible-Equity is 9.53%, which is near median its own 10-year median of 8.86. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Saudi Investment Bank stock overvalued right now?
Based on GuruFocus' analysis, Saudi Investment Bank (SAU:1030) is currently considered Modestly Undervalued. The stock's GF Value™ is ﷼15.32, compared to a current price of ﷼13.86 — trading 9.5% below its estimated fair value. The current Return-on-Tangible-Equity is 9.53%, which is near median its 10-year median of 8.86 and 16.2% below the Banks industry median of 11.38. Saudi Investment Bank's overall GF Score™ is 80/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Saudi Investment Bank (SAU:1030), the current Return-on-Tangible-Equity is 9.53% 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 Investment Bank (SAU:1030) Overvalued in 2026?
Based on GuruFocus' analysis, Saudi Investment Bank stock appears to be undervalued.
The current stock price of ﷼13.86 is trading 9.5% below its estimated GF Value™ of ﷼15.32.
GuruFocus considers Saudi Investment Bank to be Modestly Undervalued.
Key valuation signals for SAU:1030:
Return-on-Tangible-Equity: 9.53% (near median its 10-year median of 8.86)
GF Value™: ﷼15.32 vs. price of ﷼13.86 (9.5% below fair value)
Industry Position: 16.2% below the Banks median (#744 of 1522)
No single metric tells the full story. See the SAU:1030 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Saudi Investment Bank provides wholesale, retail, and commercial banking products and services throughout the Kingdom of Saudi Arabia. It operates through retail banking, corporate banking, treasury and investments, asset management, brokerage, and other segments. Business activity of the bank includes offering loans and other credit products for individuals, corporations, and small to medium-sized businesses. In addition, it also provides a money market, investments, and other treasury services.
80GF Score
Get the complete analysis for SAU:1030
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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