Banque Saudi Fransi (1050.SR) stock analysis

In our weekly check, Banque Saudi Fransi is graded D (A to F). Of 24 checks on debt, profit, cash flow and trend: 12 pass, warnings: 1, red flags: 11.

About Banque Saudi Fransi

Banque Saudi Fransi is a Financial Services company (Banks - Regional), listed on SAU as 1050.SR.

What our checks show for 1050.SR

Red flags

• The net margin fell by 21 points over 5 years, to 26.6%: the company keeps less of each sale as profit.
• The gross margin fell by 49 points, to 51%: costs are rising faster than prices.
• Operating cash flow is negative while the company reports a profit: the profit does not arrive as cash.
• Analysts expect revenue to shrink about 13.3% a year.
• Free cash flow is negative (-63.4% of revenue): the business spends more cash than it brings in.
• The dividend takes 184% of profit: little cushion if profit falls.
• The stock has fallen as much as 66% from a peak. Would you have held through that?
• Recovering from its deepest fall took about 5.3 years.
• The share count grew by 107% in 2 years: each shareholder owns a smaller slice.
• Return on capital (ROCE) is only 2%.
• Pay in shares equals 0% of free cash flow: it dilutes shareholders.

Strengths

• Analysts expect the net margin to improve by 22.4 points from today's 26.6%.
• Revenue grew 35.8% a year over the last 3 years.
• Earnings per share grew 17% a year over the last 3 years.
• Net profit grew 14.4% a year over the last 3 years.
• The company keeps 26.6% of its revenue as net profit.
• A large company: market value $12.14 billion.

Similar companies

ACA.PA · KBC.BR · QIBK.QA · GLE.PA · FITB · DSCT.TA

Questions

What grade does Banque Saudi Fransi (1050.SR) have?

In our weekly check, Banque Saudi Fransi is graded D (A to F). Of 24 checks on debt, profit, cash flow and trend: 12 pass, warnings: 1, red flags: 11. The grade is a risk check, not a buy or sell recommendation.

What are the main risks of 1050.SR stock?

This week's biggest flags for Banque Saudi Fransi: Margins falling, Gross margin falling, Profits not backed by cash. In total 12 of 24 checks show a warning or a red flag.

What does Banque Saudi Fransi do?

Banque Saudi Fransi is a Financial Services company (Banks - Regional), listed on SAU as 1050.SR.

The grade is a risk check, not a price forecast, and not investment advice. In our 10-year test (S&P 500, 2016-2026), stocks we graded A or B fell more than 30% 2-3 times less often than D or F, without a lower average return.

Updated 2026-10-24

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