Are you thinking about factor of safety against sliding at the base of the foundation pad ?
Factor of safety (FOS) = Sum or Resisting Forces/ Sum of driving forces.
The sum of the driving forces may be the one you indicated as lateral loads. If it is a gravity wall... it is the load of soil and water pressure (if any) behind the wall.
The sum of the resisting load is usually considered as W tan(phi), where W = weight of the structure above the pad (concrete, dead loads, etc). phi = friction angle between the pad and the underlying soil.
Usually you take the lowest value between the two materials. Concrete to concrete has phi 45 to 50 deg. soil to soil has phi of their shear strength as defined from shear tests/triaxial test.
For concrete on sand.. phi can be about 30-35 degrees. depending on density of the sand, and how rough the contact area.
For concrete on clay... phi varies from 20 to 25 degrees... may be can be more, to 28 degrees.
If you said that the lateral load is only 20% more than vertical load. Wtan(phi) will be maximum W (if phi=45 degrees), but likely be a fraction of W. If phi= 26.5 deg, resisting force will only about 0.5W
FOS will be 0.5W/1.2W = 0.4 < 1... not stable !
I hope that this helps