Bank AlJaziraSAU:1020 +0.17%78 ROE % is 7.24% as of Mar. 2026, which is 8% below its 10-year median of 7.83. GuruFocus rates SAU:1020 with a GF Score™ of 78/100 and a GF Value™ of ﷼16.60 (Significantly Undervalued). The stock has 3 warning signs investors should review. Among 1,525 Banks companies, Bank AlJazira ranks worse than 69.44% on this metric.
ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. Bank AlJazira's annualized net income for the quarter that ended in Mar. 2026 was ﷼1,620 Mil. Bank AlJazira's average Total Stockholders Equity over the quarter that ended in Mar. 2026 was ﷼22,389 Mil. Therefore, Bank AlJazira's annualized ROE % for the quarter that ended in Mar. 2026 was 7.24%.
The historical rank and industry rank for Bank AlJazira's ROE % or its related term are showing as below:
SAU:1020'
s ROE % Range Over the Past 10 Years
Min: 0.29 Med: 7.83 Max: 11.24
Current: 7.42
During the past 13 years, Bank AlJazira's highest ROE % was 11.24%. The lowest was 0.29%. And the median was 7.83%.
SAU:1020's ROE % is ranked worse than 69.44% of 1525
companies
in the Banks industry
Industry Median: 10.22
vs SAU:1020: 7.42
Bank AlJazira (SAU:1020) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % 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 ROE %s can be extremely high.
Bank AlJazira ROE % Related Terms
Bank AlJazira ROE % Historical Data
* Premium members only.
The historical data trend for Bank AlJazira's ROE % 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, Bank AlJazira's ROE %, along with its competitors' market caps and ROE % 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.
Bank AlJazira ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Bank AlJazira's ROE % distribution charts can be found below:
* The bar in red indicates where Bank AlJazira's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder 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.
ROE % is displayed in the 30-year financial page.
Bank AlJazira (SAU:1020) has a ROE % of 7.24% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Bank AlJazira and its competitors. This is near median its historical median of 7.83. Over the past decade, Bank AlJazira's ROE % has ranged from 0.29 to 11.24. According to the industry distribution chart, Bank AlJazira ranks #1059 out of 1525 companies in the Banks industry, placing it in the top 69.4%.
Is Bank AlJazira's ROE % too high?
Bank AlJazira's current ROE % of 7.24% is near median its 10-year median of 7.83. Over the past 10 years, this metric has ranged from a low of 0.29 to a high of 11.24. The Banks industry median ROE % is 10.22. Bank AlJazira's value of 7.24% is 29.2% below this industry median. Based on the distribution chart, Bank AlJazira ranks #1059 out of 1525 companies in the Banks industry, which is below the industry midpoint. Overall, Bank AlJazira has a GF Score™ of 78/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Bank AlJazira's ROE % compare to PNC and USB?
According to the Banks industry distribution chart, Bank AlJazira ranks #1059 out of 1525 companies for ROE %. This places Bank AlJazira in the lower half of its industry. The industry median ROE % is 10.22. Bank AlJazira's value of 7.24% is 29.2% below this benchmark. Historically, Bank AlJazira's own ROE % has ranged from 0.29 to 11.24 over the past decade. While the company's 10-year median is 7.83 vs. the industry median of 10.22, Bank AlJazira 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.22, based on 1,525 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bank AlJazira's current ROE % of 7.24% is 29.2% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Bank AlJazira and its competitors. For the Banks industry, the median ROE % is 10.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bank AlJazira's current ROE % is 7.24%, which is near median its own 10-year median of 7.83. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank AlJazira stock overvalued right now?
Based on GuruFocus' analysis, Bank AlJazira (SAU:1020) is currently considered Significantly Undervalued. The stock's GF Value™ is ﷼16.60, compared to a current price of ﷼11.69 — trading 29.6% below its estimated fair value. The current ROE % is 7.24%, which is near median its 10-year median of 7.83 and 29.2% below the Banks industry median of 10.22. Bank AlJazira's overall GF Score™ is 78/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % calculated?
ROE % is calculated from a company's financial statements. For Bank AlJazira (SAU:1020), the current ROE % is 7.24% 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 Bank AlJazira (SAU:1020) Overvalued in 2026?
Based on GuruFocus' analysis, Bank AlJazira stock appears to be undervalued.
The current stock price of ﷼11.69 is trading 29.6% below its estimated GF Value™ of ﷼16.60.
GuruFocus considers Bank AlJazira to be Significantly Undervalued.
Key valuation signals for SAU:1020:
ROE %: 7.24% (near median its 10-year median of 7.83)
GF Value™: ﷼16.60 vs. price of ﷼11.69 (29.6% below fair value)
Industry Position: 29.2% below the Banks median (#1059 of 1525)
No single metric tells the full story. See the SAU:1020 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Bank AlJazira provides banking services. The company's main operating segments are: i) Personal banking: Deposit, credit and investment products for individuals. ii) Corporate banking: Financing, deposits and other credit products for corporate, small to medium sized business and institutional customers. iii) Treasury: Treasury includes money market, foreign exchange, trading and treasury services. iv) Brokerage and asset management: It provides shares brokerage and asset management services to customers. The majority of the company's revenue is derived from the Corporate banking segment. Geographically, it has a presence in the Kingdom of Saudi Arabia, GCC and Middle East, Europe, North America, South East Asia and Other countries.
78GF Score
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