1. Saudi Arabia Stocks

  2. •

    Finance

  3. •

    Major banks
Banque Saudi Fransi

Banque Saudi Fransi

TTADAWUL:1050
18.40
SAR
-0.42
(-2.23%)
2.22EPS
8.75P/E
48.02BMarket Cap
Feb 02Next Earn
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
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
4.35
Basic EPS, GAAP
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
2.22
Free Cash Flow per Basic Share
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
0.98
Dividend per Share
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
- -
Book Value per Share
9.29
10.59
11
11.88
12.73
12.41
13.25
15.53
15.95
15.58
16.66
19
20.46
20.76
Tangible Book Value per Share
9.29
10.59
11
11.88
12.73
12.41
13.25
15.53
15.95
15.58
16.66
19
20.46
20.76
Basic Weighted Avg Shares
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
2,494
Sales/Revenue/Turnover
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
10,853
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
128
125
131
138
151
154
211
210
225
221
251
299
332
364
Net Income, GAAP
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
5,530
Effective Tax Rate (%)
- -
- -
- -
- -
- -
57.58
13.93
23.08
10.1
10.71
10.3
10.36
10.61
10.59
Profit Margin (%)
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
50.96
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
7,130
9,131
6,720
6,726
2,003
2,003
712
702
756
5,234
9,297
16,193
39,576
35,758
Total Equity
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
51,394
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
7.77
10.66
11.56
9.94
10.08
4.22
9.36
4.24
8.65
8.47
8.92
7.97
6.97
7.09
Return on Common Equity (%)
10.48
14.15
14.96
12.28
11.51
4.49
9.76
4.32
8.81
9.12
10.54
10.26
10.95
11.08

Capital Structure

SAR

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
2,476
2,474
2,475
Market Capitalization
41,640
49,053
48,021

Working Capital

SAR

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
14,748
19,751
19,495
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

SAR

•

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

SAR

•

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
2,810
- -
- -
- -

Quarterly Earnings Per Share

SAR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.46
0.45
0.46
0.45
1.82
2025
0.54
0.56
- -
0.51
2.14
2026
0.55
0.59
- -
- -
- -

Quarterly Dividends Per Share

SAR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
0.48
- -
0.96
2025
- -
- -
- -
- -
1.05
2026
- -
- -
- -
- -
- -

Company Description

Company Profile APIChatGPT
CEO
Bader Al Salloom
Full Time Employees
3,732
Sector
Finance
Industry
Major banks
Address
King Saud Road Riyadh Riyadh Province Saudi Arabia 11554
IPO Date
Jan 10, 1999
Website
bsf.sa
Similar Companies
HDFC Bank Limited (NSE:HDFCBANK)
Bank of America Corporation (NYSE:BAC)
JP Morgan Chase & Co. (NYSE:JPM)
Axis Bank Limited (NSE:AXISBANK)
Kotak Mahindra Bank Limited (NSE:KOTAKBANK)
Banco Santander, S.A. (BME:SAN)
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.