Saudi National BankSAU:1180 +0.78%73 ROE % is 12.31% as of Mar. 2026, which is 11% below its 10-year median of 13.83. GuruFocus rates SAU:1180 with a GF Score™ of 73/100 and a GF Value™ of ﷼39.82 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,525 Banks companies, Saudi National Bank ranks better than 67.48% on this metric.
The historical rank and industry rank for Saudi National Bank's ROE % or its related term are showing as below:
SAU:1180'
s ROE % Range Over the Past 10 Years
Min: 10.49 Med: 13.83 Max: 17.12
Current: 12.65
During the past 13 years, Saudi National Bank's highest ROE % was 17.12%. The lowest was 10.49%. And the median was 13.83%.
SAU:1180's ROE % is ranked better than 67.48% of 1525
companies
in the Banks industry
Industry Median: 10.22
vs SAU:1180: 12.65
Saudi National Bank (SAU:1180) 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.
Saudi National Bank ROE % Related Terms
Saudi National Bank ROE % Historical Data
* Premium members only.
The historical data trend for Saudi National 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, Saudi National 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.
Saudi National Bank ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Saudi National Bank's ROE % distribution charts can be found below:
* The bar in red indicates where Saudi National 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.
Saudi National Bank (SAU:1180) has a ROE % of 12.31% 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 Saudi National Bank and its competitors. This is 11% below median its historical median of 13.83. Over the past decade, Saudi National Bank's ROE % has ranged from 10.49 to 17.12. According to the industry distribution chart, Saudi National Bank ranks #496 out of 1525 companies in the Banks industry, placing it in the top 32.5%.
Is Saudi National Bank's ROE % too high?
Saudi National Bank's current ROE % of 12.31% is 11% below median its 10-year median of 13.83. Over the past 10 years, this metric has ranged from a low of 10.49 to a high of 17.12. The Banks industry median ROE % is 10.22. Saudi National Bank's value of 12.31% is 20.5% above this industry median. Based on the distribution chart, Saudi National Bank ranks #496 out of 1525 companies in the Banks industry, which is above the industry midpoint. Overall, Saudi National Bank has a GF Score™ of 73/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Saudi National Bank's ROE % compare to PNC?
According to the Banks industry distribution chart, Saudi National Bank ranks #496 out of 1525 companies for ROE %. This puts Saudi National Bank in the upper half of its industry. The industry median ROE % is 10.22. Saudi National Bank's value of 12.31% is 20.5% above this benchmark. Historically, Saudi National Bank's own ROE % has ranged from 10.49 to 17.12 over the past decade. While the company's 10-year median is 13.83 vs. the industry median of 10.22, Saudi National 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 10.22, 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. Saudi National Bank's current ROE % of 12.31% is 20.5% 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 Saudi National Bank 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. Saudi National Bank's current ROE % is 12.31%, which is 11% below median its own 10-year median of 13.83. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Saudi National Bank stock overvalued right now?
Based on GuruFocus' analysis, Saudi National Bank (SAU:1180) is currently considered Fairly Valued. The stock's GF Value™ is ﷼39.82, compared to a current price of ﷼38.96 — trading 2.2% below its estimated fair value. The current ROE % is 12.31%, which is 11% below median its 10-year median of 13.83 and 20.5% above the Banks industry median of 10.22. Saudi National Bank's overall GF Score™ is 73/100 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 Saudi National Bank (SAU:1180), the current ROE % is 12.31% 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 Saudi National Bank (SAU:1180) Overvalued in 2026?
Based on GuruFocus' analysis, Saudi National Bank stock appears to be undervalued.
The current stock price of ﷼38.96 is trading 2.2% below its estimated GF Value™ of ﷼39.82.
GuruFocus considers Saudi National Bank to be Fairly Valued.
Key valuation signals for SAU:1180:
ROE %: 12.31% (11% below median its 10-year median of 13.83)
GF Value™: ﷼39.82 vs. price of ﷼38.96 (2.2% below fair value)
Industry Position: 20.5% above the Banks median (#496 of 1525)
No single metric tells the full story. See the SAU:1180 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
AddressKing Fahd Road, Unit No. 778, The Saudi National Bank Tower, 3208 - Al Aqeeq District, King Abdullah Financial District, Riyadh, SAU, 13519 - 6676
Saudi National Bank is a financial institution in Saudi Arabia. It provides a range of banking and investment management services. The company also provides non-special commission based banking products in compliance with Shariah rules. It has four reportable segments: Retail, Wholesale, Capital Market, and International. The majority of the company's revenue is derived from the Wholesale segment, which provides banking services including all conventional credit-related products as well as financing products to small sized businesses, medium and large establishments and companies. Geographically, it has a presence in the Kingdom of Saudi Arabia, GCC and Middle East, Europe, Turkey, North America and Other countries.
73GF Score
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