Amlak International Finance Company (1182) Fair Value & Analysis
Financial Services · SA · Market cap 875M SAR
Fair value as of: Jul 31, 2026
From 26 valuation models · updated today
Share price −3.3% over the past month.
What matters now
- The price sits close to our fair value, market and models broadly agree here, little valuation tension.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (12 months)
12‑month range 8.24 SAR – 13.17 SAR · fair‑value band 6.24 SAR – 10.40 SAR · the 8.57 SAR price screens above the 8.32 SAR fair value. As of Jul 31, 2026.
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Amlak International Finance Company (1182) currently trades at 8.57 SAR, while our model-based Fair Value estimate is 8.32 SAR, implying the stock looks roughly 2.9% fairly valued today. We read business quality at 53/100 (solid quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: high).
Over the trailing twelve months, Amlak International Finance Company generated revenue of 296M SAR at a net margin of 23.4%. Revenue grew 15.1% year over year. It earns a return on equity of 5.5%. Net debt stands at 3.0B SAR. Fundamentals as of Jul 31, 2026
Our scenario range runs from 6.24 SAR (bear case) to 10.40 SAR (bull case); at 8.57 SAR, the current price sits within that range. The share trades about 35% below its 52-week high and 4% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 57% fair-value upside, at -3%, 1182 screens richer than that median.
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 31, 2026. TTM = trailing twelve months.
Quality Score breakdown
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
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. It provides real estate, SMEs, and personal financing services.
Full company description
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. 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.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Amlak International Finance Company 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.
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Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Mortgage Finance stocks, each showing price versus our Fair Value estimate (as of Jul 31, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Federal Home Loan Mortgage Corporation FMCCT | $16.50 | $27.69 | +68% |
| Rocket Companies, Inc RKT | $13.34 | $3.90 | -71% |
| Federal National Mortgage Association FNMAS | $11.65 | $23.30 | +100% |
| Bajaj Housing Finance Limited BAJAJHFL | ₹91.33 | ₹61.48 | -33% |
| PennyMac Financial Services, Inc PFSI | $79.81 | $125.45 | +57% |
| UWM Holdings UWMC | $2.43 | $0.6900 | -72% |
| LIC Housing Finance Limited LICHSGFIN | ₹553.70 | ₹1,107 | +100% |
| PNB Housing Finance Limited PNBHOUSING | ₹1,064 | ₹1,143 | +7% |
| Aadhar Housing Finance Limited AADHARHFC | ₹518.50 | ₹501.16 | -3% |
| OSB Group OSBGF | $6.65 | $11.99 | +80% |
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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