Amlak Intl for Real Estate Finance (1182) fair value: what the stock is really worth
As of Oct 28, 2026: fair value (intrinsic value) of Amlak Intl for Real Estate Finance stock SAR 17.24, price SAR 8.65, upside +99.3%, quality 60 out of 100. Rating: strongly undervalued. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Undervalued, but in a downtrendFair value well above the price and solid quality, but a downtrend.Plus: Last quarter vs. a year ago: revenue +17%, profit +25%.
The stock costs 50% less than our calculation considers fair.
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 Oct 28, 2026.
How to read this chart
60‑month range 7.65 SAR – 19.85 SAR · fair‑value band 6.97 SAR – 29.06 SAR · the 8.65 SAR price screens below the 17.24 SAR fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Oct 28, 2026.
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Amlak International Finance Company, together with its subsidiary, Amlak International For Real Estate Development Company, operates as a real estate finance company in Saudi Arabia. The company operates through the Retail and Corporate segments.
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It provides real estate, SMEs, and personal financing services. The company also holds titles of real estate properties. It serves corporate, SMEs, high net worth individuals, and institutional customers.
The company was formerly known as Amlak International for Real Estate Finance Company and changed its name to Amlak International Finance Company in December 2022. Amlak International Finance Co. was incorporated in 2007 and is based in Riyadh, the Kingdom of Saudi Arabia.
Stock analysis
Amlak Intl for Real Estate Finance (1182) currently trades at 8.65 SAR, while our model-based Fair Value estimate is 17.24 SAR, implying the stock looks roughly 49.8% undervalued today.
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Valuation
Bull case: the DCF Models group reads highest at a median of 22.25 SAR per share, and 10 of the 13 models we run sit above the 8.65 SAR price.
Bear case: the Asset-Based group reads lowest at 8.31 SAR, and 3 of the 13 models stay below the price. Data coverage for this calculation is high.
Scenario range: 6.97 SAR (bear) to 29.06 SAR (bull), the price of 8.65 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 60/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Amlak Intl for Real Estate Finance reported revenue of 559M SAR in FY2025 versus 232M SAR in FY2021, a compound +24.6%/yr. Reported net income was 65.2M SAR in FY2025, compounding −11.8%/yr from FY2021.
Key figures
Market cap 882M SAR (≈ $235M) Micro · P/E ratio 13.1 · P/S ratio 2.85 · EPS (TTM) 0.6600 SAR · Dividend yield 5.8% · Net margin 24.0% · Return on equity 5.9% · Return on assets (EBIT) 3.1%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 61 out of 100 (low confidence).
What moves the price
The share trades about 34% below its 52-week high and 13% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at 20% fair-value upside, at 99%, 1182 screens cheaper than that median.
Fair Value models
Bear6.97 SARFair Value 17.24 SARBull29.06 SAR
Price 8.65 SAR · Upside +99.3%
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 (0.1324 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.95/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+128.8%
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.
+35.6%
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.
+21.5%
Start year 2020 (pandemic). Over 10 years: +12.4% a year
Revenue growth 12 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.
+13.7%
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What shareholders gained per year (last 5 years) ⓘ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.
−4.3%
Earnings growth per share plus dividend.
Earnings per share, growth per year−10.1%
Dividend (yield on the price)5.8%
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.−10.1% vs −3.9%, slowing
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.55% → 52%
Pace: the 5-year rate starts in 2020 (pandemic)
Growth Forecast
Little optimism in the price
The price assumes less growth than the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+8.5%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (Saudi Arabia: IMF forecast 2.1% a year to 2030, 1.7% from 2016 to 2025) that is about +6.3% a year for the price.
Compare Amlak Intl for Real Estate Finance with another stock
Price, fair value, quality and upside side by side.
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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 · 60 stocks
Beats the industry median on 11/14 measures
Overall it ranks above its industry peers.
Valuation
Quality Score60 · Top 25%
Fair Value upside+99.3% · Top 25%
Profitability
Return on equity (12 months)5.9% · Below median
Return on assets1.5% · Above median
Net margin (12 months)24.0% · Below median
Operating margin (12 months)36.0% · Above median
Growth and dividend
Revenue growth (quarter YoY)17.4% · Above median
Dividend yield (12 months)5.8% · Above median
Balance sheet
Debt / equity1.07× · Below median
Valuation Multiplesvs Mortgage Finance median · lower = cheaper
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). "Amlak Intl for Real Estate Finance Fair Value". https://www.fairvalue-calculator.com/stock/1182
Frequently asked questions
Is Amlak Intl for Real Estate Finance (1182) overvalued or undervalued?
As of Oct 28, 2026, our model estimates a fair value of 17.24 SAR versus a price of 8.65 SAR, about +99% upside (undervalued).
What is the fair value of 1182?
Our model-based fair value for Amlak Intl for Real Estate Finance is 17.24 SAR (as of Oct 28, 2026), built from audited fundamentals. The current price: 8.65 SAR.
What is the quality score of 1182?
Amlak Intl for Real Estate Finance has a Quality Score of 60/100. 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 Amlak Intl for Real Estate Finance (1182)?
Our model-based price target is the fair value of 17.24 SAR (as of Oct 28, 2026) from 13 valuation models. Cautious scenario 6.97 SAR, optimistic scenario 29.06 SAR. It is a calculation from audited fundamentals, not an analyst target.
What is the Amlak Intl for Real Estate Finance stock forecast for 2026?
Our models put fair value at 17.24 SAR, about +99% upside versus a price of 8.65 SAR (undervalued). Cautious scenario 6.97 SAR, optimistic scenario 29.06 SAR. The calculation is refreshed regularly with new filings.
What is the revenue of Amlak Intl for Real Estate Finance (1182)?
Amlak Intl for Real Estate Finance reported trailing-twelve-month revenue of about 309M SAR (latest available figure, as of Oct 28, 2026).
Does Amlak Intl for Real Estate Finance pay a dividend?
Amlak Intl for Real Estate Finance currently shows a dividend yield of 5.78% relative to its recent price (as of Oct 28, 2026).
What growth is priced into Amlak Intl for Real Estate Finance (1182)?
For today's price to be fair in a discounted-cash-flow model, Amlak Intl for Real Estate Finance would have to grow free cash flow by +8.5 % per year for five years (discount rate 11.8 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +21.5 % per year. As of Oct 28, 2026.
What discount rate (WACC) does the fair value of 1182 use?
Our models discount Amlak Intl for Real Estate Finance at 11.8 %: a base by market capitalisation (micro), damped by beta 0.46, country premium for Saudi Arabia. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Amlak Intl for Real Estate Finance that is +8.5 % per year a year over ten years, using the same discount rate (11.8 %) and the same formula as our fair value.
How much growth has Amlak Intl for Real Estate Finance (1182) delivered so far?
Over the past 5 years revenue at Amlak Intl for Real Estate Finance grew +21.5 % a year. The price currently implies +8.5 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Amlak Intl for Real Estate Finance (1182) growing?
The median revenue growth in the sector is +9.0 % a year. That is the yardstick for the growth priced into Amlak Intl for Real Estate Finance (+8.5 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Amlak Intl for Real Estate Finance (1182)?
The free-cash-flow yield on the price is 17.07 %: that much free cash flow Amlak Intl for Real Estate Finance produces per unit of market value. When it exceeds the discount rate of our models (11.8 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Amlak Intl for Real Estate Finance (1182)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Amlak Intl for Real Estate Finance it is 17.24 SAR per share (as of Oct 28, 2026), against a price of 8.65 SAR. It is the blended result of 13 valuation models (cash flow, earnings, asset, dividend).
Is Amlak Intl for Real Estate Finance stock overvalued or undervalued in 2026?
As of Oct 28, 2026, 1182 trades below its calculated fair value: price 8.65 SAR, fair value 17.24 SAR, a gap of about +99% (undervalued). 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 1182?
No. The price is what the market pays today (8.65 SAR); the fair value is what the company's own numbers justify (17.24 SAR). For Amlak Intl for Real Estate Finance the two are 8.59 SAR per share apart. That gap is exactly why we show both numbers side by side.
How much is Amlak Intl for Real Estate Finance worth?
The market values Amlak Intl for Real Estate Finance at about 882M SAR (market capitalisation, as of Oct 28, 2026). Per share that is 8.65 SAR; our models calculate a fair value of 17.24 SAR per share.
What do the bullish and bearish scenarios say about 1182?
Our models span a range for Amlak Intl for Real Estate Finance: cautious scenario 6.97 SAR, base 17.24 SAR, optimistic 29.06 SAR per share (as of Oct 28, 2026, price 8.65 SAR). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 1182?
Amlak Intl for Real Estate Finance trades at a price-to-earnings ratio of 13.1 (as of Oct 28, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 17.24 SAR is built from several models across several years. Other multiples: P/B 0.7, P/S 2.8, EV/EBITDA 7.1.
How solid is the balance sheet of Amlak Intl for Real Estate Finance (1182)?
Balance-sheet figures for Amlak Intl for Real Estate Finance (as of Oct 28, 2026): return on equity 5.9%, debt of 1.07 per unit of equity. They feed the Quality Score of 60/100, which measures business quality independently of the share price.
How far is 1182 from its 52-week high?
Amlak Intl for Real Estate Finance trades at 8.65 SAR, about 34% below its 52-week high of 13.17 SAR and 13% above the low of 7.65 SAR (as of Oct 28, 2026). Distance from the high says nothing about value: that is what the fair value of 17.24 SAR is for.
Which stocks are comparable to Amlak Intl for Real Estate Finance?
From the same area (Financial Services) we also value Rocket Companies, Inc, Bajaj Housing Finance Limited, Federal Home Loan Mortgage Corporation, Federal National Mortgage Association, 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 Amlak Intl for Real Estate Finance stock attractive at the current price?
The data as of Oct 28, 2026: price 8.65 SAR, calculated fair value 17.24 SAR (+99%), Quality Score 60/100, from 13 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 1182 calculated?
We run Amlak Intl for Real Estate Finance through 13 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of 17.24 SAR, 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 13.4 % above its aggregate fair value. Amlak Intl for Real Estate Finance currently trades 50 % below its own fair value, and the market average says nothing about that. 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 Amlak Intl for Real Estate Finance (1182)?
The closing price on Oct 28, 2026 was 8.65 SAR. Our model-based fair value is 17.24 SAR, about +99% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Amlak Intl for Real Estate Finance right now?
The model range is unusually wide (6.97 SAR to 29.06 SAR). The outcome hinges heavily on assumptions, so read the point estimate with caution. Solid quality (60/100) at a price below fair value, the discount is the argument here, not the business quality. 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 Amlak Intl for Real Estate Finance (1182) come from?
Earnings per share at Amlak Intl for Real Estate Finance grew −7.4 % a year from 2014 to 2025. Broken into its drivers: revenue per share +6.0 %, EBIT margin −5.3 %, tax rate +3.1 %, residual (interest, one-offs) −10.5 %. 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 Amlak Intl for Real Estate Finance
How large is the market capitalisation of Amlak Intl for Real Estate Finance (1182)?
The market capitalisation of Amlak Intl for Real Estate Finance is 882M SAR (≈ $235M). 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 Amlak Intl for Real Estate Finance (1182)?
The price-to-sales ratio of Amlak Intl for Real Estate Finance is 2.85 (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 Amlak Intl for Real Estate Finance (1182)?
Earnings per share at Amlak Intl for Real Estate Finance are 0.6600 SAR (price ÷ EPS = P/E 13.1). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Amlak Intl for Real Estate Finance (1182)?
The dividend yield of Amlak Intl for Real Estate Finance is 5.8% (payout 75.8%). 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 Amlak Intl for Real Estate Finance (1182)?
The net margin of Amlak Intl for Real Estate Finance is 24.0% (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 Amlak Intl for Real Estate Finance (1182)?
The return on equity (ROE) of Amlak Intl for Real Estate Finance is 5.9% (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 Amlak Intl for Real Estate Finance (1182)?
On an EBIT basis the return on assets of Amlak Intl for Real Estate Finance is 3.1% (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 Amlak Intl for Real Estate Finance (1182)?
The operating margin of Amlak Intl for Real Estate Finance is 36.0% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Amlak Intl for Real Estate Finance (1182)?
Revenue at Amlak Intl for Real Estate Finance is growing +17.4% versus a year earlier (3y avg +35.6%). 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 Amlak Intl for Real Estate Finance (1182)?
Earnings per share at Amlak Intl for Real Estate Finance are growing +25.2% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does Amlak Intl for Real Estate Finance (1182) carry?
The net debt of Amlak Intl for Real Estate Finance is 3.0B SAR (fiscal year 2025, ≈ 20.1 yrs of FCF). 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
Oct 28, 2026