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Alinma BankSAU:1150 -4.43%76 ROE % is 13.72% as of Mar. 2026, which is 19% above its 10-year median of 11.55. GuruFocus rates SAU:1150 with a GF Score™ of 76/100 and a GF Value™ of ﷼28.63 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 1,519 Banks companies, Alinma Bank ranks better than 75.64% on this metric.
ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. Alinma Bank's annualized net income for the quarter that ended in Mar. 2026 was ﷼6,714 Mil. Alinma Bank's average Total Stockholders Equity over the quarter that ended in Mar. 2026 was ﷼48,922 Mil. Therefore, Alinma Bank's annualized ROE % for the quarter that ended in Mar. 2026 was 13.72%.
The historical rank and industry rank for Alinma Bank's ROE % or its related term are showing as below:
SAU:1150'
s ROE % Range Over the Past 10 Years
Min: 8.01 Med: 11.55 Max: 15.39
Current: 14.09
During the past 13 years, Alinma Bank's highest ROE % was 15.39%. The lowest was 8.01%. And the median was 11.55%.
SAU:1150's ROE % is ranked better than 75.64% of 1519
companies
in the Banks industry
Industry Median: 10.26
vs SAU:1150: 14.09
Alinma Bank (SAU:1150) 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.
Alinma Bank ROE % Related Terms
Alinma Bank ROE % Historical Data
* Premium members only.
The historical data trend for Alinma Bank'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, Alinma Bank'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.
Alinma Bank ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Alinma Bank's ROE % distribution charts can be found below:
* The bar in red indicates where Alinma Bank'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.
Alinma Bank (SAU:1150) has a ROE % of 13.72% 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 Alinma Bank and its competitors. This is 19% above median its historical median of 11.55. Over the past decade, Alinma Bank's ROE % has ranged from 8.01 to 15.39. According to the industry distribution chart, Alinma Bank ranks #370 out of 1519 companies in the Banks industry, placing it in the top 24.4%.
Is Alinma Bank's ROE % too high?
Alinma Bank's current ROE % of 13.72% is 19% above median its 10-year median of 11.55. Over the past 10 years, this metric has ranged from a low of 8.01 to a high of 15.39. The Banks industry median ROE % is 10.26. Alinma Bank's value of 13.72% is 33.7% above this industry median. Based on the distribution chart, Alinma Bank ranks #370 out of 1519 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Alinma Bank has a GF Score™ of 76/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Alinma Bank's ROE % compare to PNC?
According to the Banks industry distribution chart, Alinma Bank ranks #370 out of 1519 companies for ROE %. This places Alinma Bank in the top 24% of its industry — outperforming the majority of peers. The industry median ROE % is 10.26. Alinma Bank's value of 13.72% is 33.7% above this benchmark. Historically, Alinma Bank's own ROE % has ranged from 8.01 to 15.39 over the past decade. While the company's 10-year median is 11.55 vs. the industry median of 10.26, Alinma Bank 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 10.26, based on 1,519 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. Alinma Bank's current ROE % of 13.72% is 33.7% 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 Alinma Bank and its competitors. For the Banks industry, the median ROE % is 10.26 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Alinma Bank's current ROE % is 13.72%, which is 19% above median its own 10-year median of 11.55. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Alinma Bank stock overvalued right now?
Based on GuruFocus' analysis, Alinma Bank (SAU:1150) is currently considered Modestly Undervalued. The stock's GF Value™ is ﷼28.63, compared to a current price of ﷼23.51 — trading 17.9% below its estimated fair value. The current ROE % is 13.72%, which is 19% above median its 10-year median of 11.55 and 33.7% above the Banks industry median of 10.26. Alinma Bank's overall GF Score™ is 76/100 with 4 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 Alinma Bank (SAU:1150), the current ROE % is 13.72% 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 Alinma Bank (SAU:1150) Overvalued in 2026?
Based on GuruFocus' analysis, Alinma Bank stock appears to be undervalued.
The current stock price of ﷼23.51 is trading 17.9% below its estimated GF Value™ of ﷼28.63.
GuruFocus considers Alinma Bank to be Modestly Undervalued.
Key valuation signals for SAU:1150:
ROE %: 13.72% (19% above median its 10-year median of 11.55)
GF Value™: ﷼28.63 vs. price of ﷼23.51 (17.9% below fair value)
Industry Position: 33.7% above the Banks median (#370 of 1519)
No single metric tells the full story. See the SAU:1150 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Alinma Bank provides banking and investment services. The company's reportable segments are: i) Retail Banking: Financing, deposit and other products/services for individuals. ii) Corporate Banking: Financing, deposit and other products and services for corporate, SME and institutional customers. iii) Treasury: Murabahas with banks, investments and treasury services. iv) Investment and brokerage: Asset Management, custodianship, advisory, underwriting and brokerage services. The majority of the company's revenue is generated from the Corporate Banking segment. Geographically, it has a presence in the Kingdom of Saudi Arabia, Europe, Other GCC and Middle East countries, and Other countries.
76GF Score
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