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    Banks - Regional
Banque Saudi Fransi

Banque Saudi Fransi

1050.SR
Banque Saudi FransiSA flagSaudi Exchange
19.65
SAR
+0.20
- -
48.61BMarket Cap
Banque Saudi Fransi
1050.SR
(Saudi Exchange)

Recent

price

19.65

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
1.68
1.83
1.99
2
2.27
2.49
2.54
2.54
2.55
2.75
2.85
2.91
3.22
3.76
3.85
4.19
4.1
Revenue per Share
1.12
1.16
1.21
0.96
1.41
1.62
1.41
1.42
0.56
1.25
0.62
1.39
1.44
1.69
1.82
2.14
2
Basic EPS, GAAP
-0.54
3.21
0.4
2.86
3.51
-3.19
2.1
4.37
0.23
-5.24
2.16
3.05
-0.31
-0.19
1.68
-5.09
-5.58
Free Cash Flow per Basic Share
0.4
0.54
- -
0.48
0.23
0.53
0.59
0.72
0.56
0.85
0.48
0.51
0.77
0.89
0.96
1.05
0.48
Dividend per Share
3.76
4.4
4.98
5.17
5.72
6.38
6.91
7.51
6.95
7.23
7.83
8.22
8.77
9.51
11.8
12.16
12.82
Book Value per Share
7.2
7.86
9.08
9.29
10.59
11
11.93
12.73
12.4
13.24
15.52
15.95
15.57
16.56
18.86
20.26
20.53
Tangible Book Value per Share
2,500
2,500
2,500
2,499
2,499
2,499
2,489
2,487
2,489
2,489
2,489
2,489
2,489
2,500
2,500
2,500
2,500
Basic Weighted Avg Shares
4,196
4,584
4,975
4,995
5,677
6,220
6,314
6,316
6,343
6,853
7,099
7,245
8,021
9,398
9,622
10,486
10,256
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
113
130
130
128
125
131
138
151
154
211
210
225
221
251
299
332
324
Depreciation Expense
2,801
2,911
3,015
2,406
3,516
4,036
3,510
3,532
1,403
3,115
1,546
3,450
3,575
4,223
4,544
5,353
5,006
Net Income, GAAP
- -
- -
- -
- -
- -
- -
- -
- -
57.58
13.93
23.08
10.1
10.71
10.3
10.36
10.61
10.43
Effective Tax Rate (%)
66.77
63.5
60.6
48.16
61.94
64.89
55.59
55.92
22.12
45.45
21.78
47.62
44.57
44.93
47.23
51.05
48.81
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
- -
4,230
8,908
7,130
9,131
6,720
6,726
2,003
2,003
712
702
756
5,234
9,297
16,193
39,576
23,964
LT Debt
18,004
19,655
22,687
23,217
26,471
27,484
29,699
31,661
30,862
32,947
38,636
39,686
38,745
41,404
47,138
50,659
51,314
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
31.83
28.54
25.72
18.96
25.83
26.69
21.19
19.69
7.8
17.65
8.25
17.28
16.91
18.53
17.06
17.88
17.35
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Dec'24
Mar'25
Jun'25
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
2,480
2,480
2,480
Market Capitalization
39,600
46,500
44,650

Working Capital

FRC

•

in mil. unless spec.
Dec'24
Mar'25
Jun'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
15,936
20,417
17,857
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
6.47%
5.71%
7.47%
Free Cash Flow
-412.04%
-297.33%
-403.75%
Net Income, GAAP
16.92%
34.06%
17.81%
Sales/Revenue/Turnover
5.49%
8.26%
8.98%
Total Cash Common Dividend
10.9%
18.07%
9.29%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
2,334
2,359
2,390
2,539
9,622
2025
2,627
2,700
2,616
- -
10,486
2026
2,727
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.46
0.45
0.46
- -
1.82
2025
0.54
0.56
- -
- -
2.14
2026
0.55
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
0.48
- -
0.96
2025
- -
- -
- -
- -
1.05
2026
- -
- -
- -
- -
- -
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Business
Banque Saudi Fransi is a Saudi Arabia-based commercial bank founded in 1977 and headquartered in Riyadh. The bank offers a broad range of financial products and services including retail banking products such as savings and current accounts, personal and home loans, credit and debit cards, Islamic banking products compliant with Sharia principles, wealth management, corporate banking services including trade finance, contract finance, working capital finance, structured and project finance, syndicated loans, treasury services, foreign exchange and hedging products, and investment advisory. It operates bank subsidiaries for brokerage and asset management and provides car leasing and insurance services. In recent developments, Banque Saudi Fransi formed a strategic partnership with Singapore's DBS Group to enhance trade finance, payment flows, and regional currency clearing between Asia and Saudi Arabia, reflecting its focus on expanding cross-border transaction capabilities. The bank is also pursuing diversified international funding, including a notable $750 million syndicated loan targeting Asian banks. Financially, Banque Saudi Fransi reported a 19.5% increase in net profit for the first nine months of 2025 to SAR 4.09 billion, driven by higher commission income, investment gains, and improved asset quality, while continuing digital transformation efforts and contributing to Saudi Arabia’s Vision 2030 economic goals. The bank maintains comprehensive corporate and retail operations across Saudi Arabia, supported by joint ventures in insurance and asset management with international partners Allianz and Amundi, respectively. Its recent strategic initiatives and solid financial performance underscore its position as a leading financial institution in the Kingdom and the wider Gulf region.