1060.SR
Unloved QualitySaudi Awwal Bank · Financial Services · Saudi Arabia · $17.6B cap · $14.3M/day traded
SAR 32.06 +0.3% · close 5 Nov · scored 7 Nov
Score up 1.2 since 6 Nov.
Unloved Quality: Strong and cheap, but the market has not warmed to it.
As of 7 Nov 2026, the MoatMap Score for Saudi Awwal Bank (1060.SR) is 71/100, ranked against 25,000+ stocks in 38 markets (Quality 53, Value 64, Momentum 49, each scored against its sector).
Does the score work? Each tenth of the ranking, tracked monthly. See the record →
ABOUT SAUDI AWWAL BANK
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Saudi Awwal Bank, together with its subsidiaries, provides banking and financial services in the Kingdom of Saudi Arabia. The company operates through Wealth & Personal Banking, Corporate and Institutional Banking, Treasury, Capital Markets, and Others segments.
FINANCIAL SUMMARY (SAR)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 9.7B | 12.8B | 14.1B | 14.8B | 15.4% | 14.5B | 15.1B | 16.4B | 5.0% |
| EPS (SAR) | 2.35 | 3.41 | 3.78 | 3.81 | 17.5% | 3.94 | 3.85 | 4.18 | 4.8% |
| Shares | 2.1B | 2.1B | 2.1B | 2.1B | 0.0% | 2.1B | — | — | — |
| Debt | 5.7B | 5.7B | 5.6B | 8.2B | 12.7% | 54.7B | — | — | — |
| Equity | 54.6B | 61.9B | 69.4B | 79.3B | 13.2% | — | — | — | — |
| Op CF | 30.5B | 8.3B | -748.9M | 7.7B | -36.9% | -16.9B | — | — | — |
| Inv CF | -25.1B | -10.3B | -3.4B | -6.2B | — | — | — | — | — |
| Fin CF | -2.2B | 346.4M | -580.1M | 2.6B | — | — | — | — | — |
No clear trend: not near its 52-week low, and not in a steady uptrend.
Calmer than 94% of stocks we rank over the past year (volatility 18% a year).
How this is worked out
The MoatMap Score weighs the business, its price and its trend. The price check reads only the chart: the price side of the Momentum score, in words.
The rules: Still falling is a new 52-week low in the last two weeks, at least 25% below the high. Finding a floor is no new low since. Turning up is 20 or more trading days without a new low, at least 10% off it, and back above a rising 50-day average. In an uptrend is above the 200-day average and within 15% of the high.
In 2,112 US drawdowns since 2001, buying while the price was still falling was followed by a further 20% drop 42% of the time. Waiting for a turn (the Turning up rule above) cut that to 33%, at about 7% higher prices and with no better returns. Part of that cut is simply not buying: 13% of falls never turned, and waiting kept those out. Among turns that were bought, 38% still fell another 20%, and 33% of turns were followed by a new low within six months. The benefit was largest in crashes such as 2008 and 2020.
What it measures: how much the price moved day to day over the past year, scaled to a yearly figure (annualised volatility) and ranked against every stock we cover. Very calm under 20% a year, Calm 20 to 30%, Average 30 to 40%, Bumpy 40 to 55%, Very bumpy above that.
What we found: across about 13,500 stocks in 34 markets (2002 to 2025), past swings were a good guide to the next year's, and bumpier stocks fell further. How much further changed too much between eras to put a number on it.
Calm is not safe: a calm stock can still slide steadily.
Rules fixed before any data was fetched. Describes the chart, not a recommendation.
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of 1060.SR are excluded.
| Ticker | Company | Mkt Cap | Score |
|---|---|---|---|
| 1060.SR | Saudi Awwal Bank(you) | $17.6B | 71 |
| 1010.SR | Riyad Bank | $21.5B | 76 |
| 1050.SR | Banque Saudi Fransi | $13.3B | 78 |
| 1080.SR | Arab National Bank | $11.1B | 78 |
| 1150.SR | Alinma Bank | $17.3B | 51 |
| 1180.SR | The Saudi National Bank | $60.2B | 71 |
| 1140.SR | Bank Albilad | $8.4B | 54 |
| 1020.SR | aljazira bank | $3.7B | 66 |
| 1030.SR | The Saudi Investment Bank | $4.6B | 87 |
| 1120.SR | Al Rajhi Banking and Investment Corporation | $99.1B | 51 |
Peer medians: ROE 7.5% · P/E 13.7x · Gross margin 12.8%
Company Deep Dive
A 10,000-word report: the business and its segments, what management promised on earnings calls and whether it delivered, the competition, and how things could turn out.