Bank AlbiladSAU:1140 +0.12%83 ROE % is 13.08% as of Mar. 2026, which is 11% below its 10-year median of 14.63. GuruFocus rates SAU:1140 with a GF Score™ of 83/100 and a GF Value™ of ﷼33.07 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 1,525 Banks companies, Bank Albilad ranks better than 79.21% on this metric.
ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. Bank Albilad's annualized net income for the quarter that ended in Mar. 2026 was ﷼2,943 Mil. Bank Albilad's average Total Stockholders Equity over the quarter that ended in Mar. 2026 was ﷼22,506 Mil. Therefore, Bank Albilad's annualized ROE % for the quarter that ended in Mar. 2026 was 13.08%.
The historical rank and industry rank for Bank Albilad's ROE % or its related term are showing as below:
SAU:1140'
s ROE % Range Over the Past 10 Years
Min: 7.95 Med: 14.63 Max: 17.57
Current: 14.79
During the past 13 years, Bank Albilad's highest ROE % was 17.57%. The lowest was 7.95%. And the median was 14.63%.
SAU:1140's ROE % is ranked better than 79.21% of 1525
companies
in the Banks industry
Industry Median: 10.22
vs SAU:1140: 14.79
Bank Albilad (SAU:1140) 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 Albilad ROE % Related Terms
Bank Albilad ROE % Historical Data
* Premium members only.
The historical data trend for Bank Albilad'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 Albilad'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 Albilad ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Bank Albilad's ROE % distribution charts can be found below:
* The bar in red indicates where Bank Albilad'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 Albilad (SAU:1140) has a ROE % of 13.08% 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 Albilad and its competitors. This is 11% below median its historical median of 14.63. Over the past decade, Bank Albilad's ROE % has ranged from 7.95 to 17.57. According to the industry distribution chart, Bank Albilad ranks #317 out of 1525 companies in the Banks industry, placing it in the top 20.8%.
Is Bank Albilad's ROE % too high?
Bank Albilad's current ROE % of 13.08% is 11% below median its 10-year median of 14.63. Over the past 10 years, this metric has ranged from a low of 7.95 to a high of 17.57. The Banks industry median ROE % is 10.22. Bank Albilad's value of 13.08% is 28% above this industry median. Based on the distribution chart, Bank Albilad ranks #317 out of 1525 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Bank Albilad has a GF Score™ of 83/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Bank Albilad's ROE % compare to PNC and USB?
According to the Banks industry distribution chart, Bank Albilad ranks #317 out of 1525 companies for ROE %. This places Bank Albilad in the top 21% of its industry — outperforming the majority of peers. The industry median ROE % is 10.22. Bank Albilad's value of 13.08% is 28% above this benchmark. Historically, Bank Albilad's own ROE % has ranged from 7.95 to 17.57 over the past decade. While the company's 10-year median is 14.63 vs. the industry median of 10.22, Bank Albilad has consistently been above 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 Albilad's current ROE % of 13.08% is 28% above 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 Albilad 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 Albilad's current ROE % is 13.08%, which is 11% below median its own 10-year median of 14.63. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank Albilad stock overvalued right now?
Based on GuruFocus' analysis, Bank Albilad (SAU:1140) is currently considered Modestly Undervalued. The stock's GF Value™ is ﷼33.07, compared to a current price of ﷼24.11 — trading 27.1% below its estimated fair value. The current ROE % is 13.08%, which is 11% below median its 10-year median of 14.63 and 28% above the Banks industry median of 10.22. Bank Albilad's overall GF Score™ is 83/100 with 2 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 Albilad (SAU:1140), the current ROE % is 13.08% 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 Albilad (SAU:1140) Overvalued in 2026?
Based on GuruFocus' analysis, Bank Albilad stock appears to be undervalued.
The current stock price of ﷼24.11 is trading 27.1% below its estimated GF Value™ of ﷼33.07.
GuruFocus considers Bank Albilad to be Modestly Undervalued.
Key valuation signals for SAU:1140:
ROE %: 13.08% (11% below median its 10-year median of 14.63)
GF Value™: ﷼33.07 vs. price of ﷼24.11 (27.1% below fair value)
Industry Position: 28% above the Banks median (#317 of 1525)
No single metric tells the full story. See the SAU:1140 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Bank Albilad is a banking corporation conducting business mainly in the Kingdom of Saudi Arabia. It is divided into four operating segments: Retail banking provides services and products to individuals, including deposits, financing, remittances, and currency exchange, Corporate banking provides services and products to corporate customers including deposits, financing, and trade services, Treasury provides money market and treasury services and Investment banking and brokerage provides investment management services and asset management activities related to dealing, managing, arranging, advising and custody of securities. Key revenue is generated from the Retail banking segment.
83GF Score
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