Riyad Bank (SAU:1010) ROE % Adjusted to Book Value: 12.18% (As of Mar. 2026)

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SAU:1010 Riyad Bank SAU:1010
72 GF Score
Price ﷼20.70
GF Value ﷼22.95
Valuation Modestly Undervalued
! 3 Warning Signs
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What is Riyad Bank ROE % Adjusted to Book Value?

Riyad Bank SAU:1010 72 ROE % Adjusted to Book Value is 12.18% as of Mar. 2026. GuruFocus rates SAU:1010 with a GF Score™ of 72/100 and a GF Value™ of ﷼22.95 (Modestly Undervalued). The stock has 3 warning signs investors should review.

Riyad Bank's ROE % for the quarter that ended in Mar. 2026 was 13.52%. Riyad Bank's PB Ratio for the quarter that ended in Mar. 2026 was 1.11. Riyad Bank's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 was 12.18%.


Riyad Bank ROE % Adjusted to Book Value Related Terms


Riyad Bank ROE % Adjusted to Book Value Historical Data

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The historical data trend for Riyad Bank's ROE % Adjusted to Book Value 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.

Riyad Bank ROE % Adjusted to Book Value Chart

Riyad Bank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Adjusted to Book Value
Get a 7-Day Free Trial Premium Member Only Premium Member Only 7.65 7.98 9.73 11.59 13.52

Riyad Bank Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
ROE % Adjusted to Book Value 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 10.38 12.05 13.33 13.30 12.18

SAU:1010 vs PNC: ROE % Adjusted to Book Value Comparison

For the Banks - Regional subindustry, Riyad Bank's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value vs Banks Industry

For the Banks industry and Financial Services sector, Riyad Bank's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where Riyad Bank's ROE % Adjusted to Book Value falls into.


SAU:1010
72GF Score
Riyad Bank SAU:1010
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Riyad Bank ROE % Adjusted to Book Value Calculation

Riyad Bank's ROE % Adjusted to Book Value for the fiscal year that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=14.47% / 1.07
=13.52%

Riyad Bank's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=13.52% / 1.11
=12.18%

* 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.

What does a ROE % Adjusted to Book Value of 12.18% mean?
Riyad Bank (SAU:1010) has a ROE % Adjusted to Book Value of 12.18% as of Mar. 2026. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Riyad Bank and its competitors.
Is Riyad Bank's ROE % Adjusted to Book Value too high?
Riyad Bank's current ROE % Adjusted to Book Value is 12.18%. Overall, Riyad Bank has a GF Score™ of 72/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Riyad Bank's ROE % Adjusted to Book Value compare to PNC?
Riyad Bank's ROE % Adjusted to Book Value of 12.18% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % Adjusted to Book Value for a Banks company?
A good ROE % Adjusted to Book Value depends on the Banks industry context. However, ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Riyad Bank and its competitors. Riyad Bank's current ROE % Adjusted to Book Value is 12.18%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Riyad Bank stock overvalued right now?
Based on GuruFocus' analysis, Riyad Bank (SAU:1010) is currently considered Modestly Undervalued. The stock's GF Value™ is ﷼22.95, compared to a current price of ﷼20.70 — trading 9.8% below its estimated fair value. The current ROE % Adjusted to Book Value is 12.18%. Riyad Bank's overall GF Score™ is 72/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For Riyad Bank (SAU:1010), the current ROE % Adjusted to Book Value is 12.18% 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 Riyad Bank (SAU:1010) Overvalued in 2026?

Based on GuruFocus' analysis, Riyad Bank stock appears to be undervalued. The current stock price of ﷼20.70 is trading 9.8% below its estimated GF Value™ of ﷼22.95. GuruFocus considers Riyad Bank to be Modestly Undervalued.

Key valuation signals for SAU:1010:

  • ROE % Adjusted to Book Value: 12.18%
  • GF Value™: ﷼22.95 vs. price of ﷼20.70 (9.8% below fair value)
  • GF Score™: 72/100 with 3 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.
72GF Score

Get the complete analysis for SAU:1010

ROE % Adjusted to Book Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

﷼20.70
Price
﷼22.95
GF Value