Riyad Bank (SAU:1010) Risk Assessment

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:1010 Riyad Bank SAU:1010
77 GF Score
Price ﷼20.71
GF Value ﷼22.52
Valuation Fairly Valued
! 4 Warning Signs
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What is Riyad Bank Risk Assessment?

Risk Assessment represents the investment risk of a stock derived from our exclusive method. It suggests how risky the investment opportunity is based on the valuation and the fundamental performance of the stock. It is derived from following key aspects:

1. GuruFocus internally developed valuations of the stock, such as GF valuation.
2. Quality Rank, a business quality indicator developed by GuruFocus.
3. Fundamental performance: Piotroski F-Score, Altman Z-Score, Beneish M-Score, etc.
4. Growth opportunities: 5-year revenue growth rate, 5-Year EPS without NRI Growth Rate, etc.

Value investors are always willing to find undervalued stocks. However, not all the undervalued stocks are good deals, we should also be careful of how risky the investment opportunity is. We believe that if the company's financial strength and profitability are strong, and the stock price is within a reasonable range of the GF valuation, or stock has a high return with its price being undervalued, then it might be a good investment opportunity with low risk.

Based on those aspects listed above, GuruFocus believes the risk assessment of Riyad Bank is: High Risk: High uncertainty with risk-return tradeoff.

Riyad Bank  (SAU:1010) Risk Assessment Explanation

Based on the four aspects listed above, GuruFocus provides the following 7 evaluations:

All-in-One Screener Examples (1)
Low Risk: Strong fundamentals, worth long-term holding
Moderate Risk: Sensitive, better choose undervalued stock
High Risk: High uncertainty with risk-return tradeoff
High Risk: Good fundamentals, beware of shrinking business
High Risk: Sensitive to economic or industry trends
High Risk: High uncertainty
No Data: Cannot be evaluated

(1) These are some simple examples. You can access our Risk Assessment filter under All-in-One Screener’s Fundamental tab and set your own criteria.

Riyad Bank Risk Assessment Related Terms

Riyad Bank Risk Assessment Competitor Comparison

For the Banks - Regional subindustry, Riyad Bank's Risk Assessment, along with its competitors' market caps and Risk Assessment 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.

Riyad Bank Risk Assessment vs Banks Industry

For the Banks industry and Financial Services sector, Riyad Bank's Risk Assessment distribution charts can be found below:

* The bar in red indicates where Riyad Bank's Risk Assessment falls into.


SAU:1010
77GF Score
Riyad Bank SAU:1010
Risk Assessment is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Is Riyad Bank (SAU:1010) Overvalued in 2026?

Based on GuruFocus' analysis, Riyad Bank stock appears to be undervalued. The current stock price of ﷼20.71 is trading 8% below its estimated GF Value™ of ﷼22.52. GuruFocus considers Riyad Bank to be Fairly Valued.

Key valuation signals for SAU:1010:

  • Risk Assessment:
  • GF Value™: ﷼22.52 vs. price of ﷼20.71 (8% below fair value)
  • GF Score™: 77/100 with 4 warning signs

No single metric tells the full story. See the SAU:1010 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Riyad Bank Business Description

Address Financial Boulevard - Al Aqeeq District, P.O. Box 22622, Riyad Bank Tower, Building No. 3128, King Abdullah Financial District (KAFD, Riyadh, SAU, 13519 – 6671
Riyad Bank is a financial institution in Saudi Arabia. The company provides a full range of banking and investment services. It also provides its customers with nonconventional banking products which are approved and supervised by an independent Shariah Board established by the Bank. The company operates in four business segments: i) Retail Banking, ii) Investment banking and brokerage, iii) Corporate banking, and iv) Treasury and Investments. The majority of the company's revenue is derived from the Corporate banking segment, which principally handles corporate customers' current accounts, deposits and provides loans, overdrafts and other credit facilities and includes small to medium sized businesses.
77GF Score

Get the complete analysis for SAU:1010

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

﷼20.71
Price
﷼22.52
GF Value