Saudi Home Loans Company (1183) fair value: what the stock is really worth
As of Nov 12, 2026: fair value (intrinsic value) of Saudi Home Loans Company stock SAR 6.59, price SAR 12.17, that is 45.9% below the price, quality 50 out of 100. Rating: strongly overvalued. Calculated from audited financials with 9 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 13, 2026.
How to read this chart
55‑month range 10.95 SAR – 23.10 SAR · fair‑value band 4.94 SAR – 12.19 SAR · the 12.17 SAR price screens above the 6.59 SAR fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 13, 2026.
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SHL Finance Company operates as a real estate finance company in the Kingdom of Saudi Arabia. The company engages in financing the purchasing of houses, residential lands, and apartments; financing of real estate properties; and financing the establishment of commercial and industrial projects.
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The company was formerly known as Saudi Home Loans Company and changed its name to SHL Finance Company in February 2023. SHL Finance Company was founded in 2007 and is based in Riyadh, the Kingdom of Saudi Arabia.
Stock analysis
Saudi Home Loans Company (1183) currently trades at 12.17 SAR, while our model-based Fair Value estimate is 6.59 SAR, 46% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of 15.45 SAR per share, and 1 of the 9 models we run sit above the 12.17 SAR price.
Bear case: the DCF Models group reads lowest at 2.49 SAR, and 8 of the 9 models stay below the price. Data coverage for this calculation is high.
Scenario range: 4.94 SAR (bear) to 12.19 SAR (bull), the price of 12.17 SAR sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 50/100 (solid quality), in the Financial Services sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Saudi Home Loans Company reported revenue of 407M SAR in FY2025 versus 289M SAR in FY2021, a compound +9.0%/yr. Reported net income was 50.7M SAR in FY2025, compounding −16.3%/yr from FY2021.
Key figures
Market cap 1.2B SAR (≈ $322M) Small · P/E ratio 20.3 · P/S ratio 5.39 · EPS (TTM) 0.6000 SAR · Dividend yield 4.1% · Net margin 26.8% · Return on equity 3.5% · Return on assets (EBIT) 2.3% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 50 out of 100 (medium confidence).
What moves the price
The share trades about 38% below its 52-week high and 11% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −1% fair-value upside, at −46%, 1183 screens richer than that median.
Fair Value models
Bear4.94 SARFair Value 6.59 SARBull12.19 SAR
Price 12.17 SAR · Downside -45.9%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then (0.0874 SAR per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.45/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+14.9%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+11.2%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+6.2%
Start year 2020 (pandemic). Over 10 years: +4.5% a year
Revenue growth 11 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+8.2%
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What shareholders gained per year (last 5 years) (mathematically smoothed) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip.
−12.1%
Earnings growth per share plus dividend.
Earnings per share, growth per year−16.2%
Dividend (yield on the price)4.1%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.−9.7% vs −9.6%, steady
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.32% → 64%
2025 sits 92% above its own trend. The rate follows the median trend of the last 5 years, not that single year.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Mortgage Finance · 55 stocks
Beats the industry median on 5/13 measures
Overall it trails its industry peers.
Valuation
Quality Score50 · Below median
Fair Value upside−45.9% · Bottom 25%
Profitability
Return on equity (12 months)3.5% · Below median
Return on assets1.1% · Below median
Net margin (12 months)26.8% · Above median
Operating margin (12 months)34.9% · Below median
Growth and dividend
Revenue growth (quarter YoY)26.7% · Top 25%
Dividend yield (12 months)4.1% · Above median
Balance sheet
Debt / equity1.53× · Below median
Valuation Multiplesvs Mortgage Finance median · lower = cheaper
P/E (12 months)20.3× · Priciest 25%
P/B0.70× · Cheaper than median
P/S (12 months)5.39× · Pricier than median
EV/EBITDA14.3× · Pricier than median
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 53
FUTURE (revenue growth)100· sector 31
PAST (return on equity)14· sector 33
HEALTH (low debt)24· sector 2
DIVIDEND (yield)82· sector 75
VALUE 0: the price sits above our fair-value range.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Saudi Home Loans Company Fair Value". https://www.fairvalue-calculator.com/stock/1183
Frequently asked questions
Is Saudi Home Loans Company (1183) overvalued or undervalued?
As of Nov 13, 2026, our model estimates a fair value of 6.59 SAR versus a price of 12.17 SAR, about 46% lower (overvalued).
What is the fair value of 1183?
Our model-based fair value for Saudi Home Loans Company is 6.59 SAR (as of Nov 13, 2026), built from audited fundamentals. The current price: 12.17 SAR.
What is the quality score of 1183?
Saudi Home Loans Company has a Quality Score of 50/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Saudi Home Loans Company (1183)?
Our model-based price target is the fair value of 6.59 SAR (as of Nov 13, 2026) from 9 valuation models. Cautious scenario 4.94 SAR, optimistic scenario 12.19 SAR. It is a calculation from audited fundamentals, not an analyst target.
What is the Saudi Home Loans Company stock forecast for 2026?
Our models put fair value at 6.59 SAR, about 46% lower versus a price of 12.17 SAR (overvalued). Cautious scenario 4.94 SAR, optimistic scenario 12.19 SAR. The calculation is refreshed regularly with new filings.
What is the revenue of Saudi Home Loans Company (1183)?
Saudi Home Loans Company reported trailing-twelve-month revenue of about 224M SAR (latest available figure, as of Nov 13, 2026).
Does Saudi Home Loans Company pay a dividend?
Saudi Home Loans Company currently shows a dividend yield of 4.11% relative to its recent price (as of Nov 13, 2026).
How much is the dividend of Saudi Home Loans Company (1183) and when is the ex-dividend date?
Saudi Home Loans Company pays a dividend of 0.5 SAR per share a year, a dividend yield of 4.1%. The last ex-dividend date was Jun 23, 2026. The payout ratio is 83.3% of earnings. Our assessment: Watch coverage. The dividend isn’t fully covered by free cash flow or earnings, part of it is funded from reserves or debt. Fine for now, but worth watching: if it stays uncovered, the dividend could be cut.
What is the intrinsic value of Saudi Home Loans Company (1183)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Saudi Home Loans Company it is 6.59 SAR per share (as of Nov 13, 2026), against a price of 12.17 SAR. It is the blended result of 9 valuation models in 6 families (DCF Models, Earnings-Based, Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Saudi Home Loans Company stock overvalued or undervalued in 2026?
As of Nov 13, 2026, 1183 trades above its calculated fair value: price 12.17 SAR, fair value 6.59 SAR, a gap of about −46% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of 1183?
No. The price is what the market pays today (12.17 SAR); the fair value is what the company's own numbers justify (6.59 SAR). For Saudi Home Loans Company the two are 5.58 SAR per share apart. That gap is exactly why we show both numbers side by side.
How much is Saudi Home Loans Company worth?
The market values Saudi Home Loans Company at about 1.2B SAR (market capitalisation, as of Nov 13, 2026). Per share that is 12.17 SAR; our models calculate a fair value of 6.59 SAR per share.
What do the bullish and bearish scenarios say about 1183?
Our models span a range for Saudi Home Loans Company: cautious scenario 4.94 SAR, base 6.59 SAR, optimistic 12.19 SAR per share (as of Nov 13, 2026, price 12.17 SAR). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 1183?
Saudi Home Loans Company trades at a price-to-earnings ratio of 20.3 (as of Nov 13, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 6.59 SAR is built from several models across several years. Other multiples: P/B 0.7, P/S 5.4, EV/EBITDA 14.3.
How solid is the balance sheet of Saudi Home Loans Company (1183)?
Balance-sheet figures for Saudi Home Loans Company (as of Nov 13, 2026): return on equity 3.5%, debt of 1.53 per unit of equity. They feed the Quality Score of 50/100, which measures business quality independently of the share price.
How far is 1183 from its 52-week high?
Saudi Home Loans Company trades at 12.17 SAR, about 38% below its 52-week high of 19.69 SAR and 11% above the low of 10.95 SAR (as of Nov 12, 2026). Distance from the high says nothing about value: that is what the fair value of 6.59 SAR is for.
Which stocks are comparable to Saudi Home Loans Company?
From the same area (Financial Services) we also value Rocket Companies, Inc, Bajaj Housing Finance Limited, PennyMac Financial Services, Inc, LIC Housing Finance Limited, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Saudi Home Loans Company stock attractive at the current price?
The data as of Nov 13, 2026: price 12.17 SAR, calculated fair value 6.59 SAR (−46%), Quality Score 50/100, from 9 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of 1183 calculated?
We run Saudi Home Loans Company through 9 models from 6 families: DCF Models, Earnings-Based, Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of 6.59 SAR builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.1% above its aggregate fair value. Saudi Home Loans Company itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Saudi Home Loans Company (1183)?
The closing price on Nov 12, 2026 was 12.17 SAR. Our model-based fair value is 6.59 SAR, about 46% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Saudi Home Loans Company right now?
Solid but not exceptional quality (50/100) and above fair value, neither a clear bargain nor a standout compounder. A fairly wide model range (4.94 SAR to 12.19 SAR) leaves room in how you read the outcome. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of Saudi Home Loans Company (1183) come from?
Earnings per share at Saudi Home Loans Company fell 16.8 % a year from 2014 to 2025. Broken into its drivers: revenue per share +2.0 %, EBIT margin +6.1 %, tax rate +5.6 %, residual (interest, one-offs) −27.2 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of Saudi Home Loans Company
How large is the market capitalisation of Saudi Home Loans Company (1183)?
The market capitalisation of Saudi Home Loans Company is 1.2B SAR (≈ $322M). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Saudi Home Loans Company (1183)?
The price-to-sales ratio of Saudi Home Loans Company is 5.39 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Saudi Home Loans Company (1183)?
Earnings per share at Saudi Home Loans Company are 0.6000 SAR (price ÷ EPS = P/E 20.3). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Saudi Home Loans Company (1183)?
The dividend yield of Saudi Home Loans Company is 4.1% (payout 83.3%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Saudi Home Loans Company (1183)?
The net margin of Saudi Home Loans Company is 26.8% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Saudi Home Loans Company (1183)?
The return on equity (ROE) of Saudi Home Loans Company is 3.5% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Saudi Home Loans Company (1183)?
On an EBIT basis the return on assets of Saudi Home Loans Company is 2.3% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Saudi Home Loans Company (1183)?
The operating margin of Saudi Home Loans Company is 34.9% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Saudi Home Loans Company (1183)?
Revenue at Saudi Home Loans Company is growing 26.7% versus a year earlier (3y avg +11.2%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Saudi Home Loans Company (1183)?
Earnings per share at Saudi Home Loans Company are growing 38.7% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Saudi Home Loans Company (1183) generate?
The free cash flow of Saudi Home Loans Company is −412M SAR (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Saudi Home Loans Company (1183) carry?
The net debt of Saudi Home Loans Company is 2.8B SAR (fiscal year 2025). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Broad data
Nov 13, 2026