Saudi Home Loans Company (1183) fair value: what the stock is really worth
As of Sep 29, 2026: fair value of Saudi Home Loans Company SAR 6.59, price SAR 13.23, upside -50.2%, quality 51 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
Watch Saudi Home Loans Company for free, get notified when fair value or trend changes. Plus fair value for all 35,000+ stocks, 14 days of Pro free, no card.Watch for freePro now: $1 first month
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, dashed = 300-day average. As of Sep 27, 2026.
How to read this chart
53‑month range 12.87 SAR – 23.10 SAR · fair‑value band 4.94 SAR – 11.88 SAR · the 13.23 SAR price screens above the 6.59 SAR fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 27, 2026.
Follow Saudi Home Loans in your weekly email
Every Wednesday you see whether Saudi Home Loans is on track or worth a review, plus price against fair value. Free, up to 3 stocks.
We send you a confirmation link. Unsubscribe with one click.
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.
Show more
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. 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 13.23 SAR, while our model-based Fair Value estimate is 6.59 SAR, 50.2% below the price, so the stock looks overvalued today.
Show more
Valuation
Bull case: the Asset-Based group reads highest at a median of 11.64 SAR per share, and 0 of the 9 models we run sit above the 13.23 SAR price.
Bear case: the Earnings-Based group reads lowest at 2.59 SAR, and 9 of the 9 models stay below the price. Evidence for this calculation is high.
Scenario range: 4.94 SAR (bear) to 11.88 SAR (bull), the price of 13.23 SAR sits above 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 51/100 (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 1.4B SAR (≈ $381M) · P/E ratio 23.6 · P/S ratio 2.94 · EPS (TTM) 0.5600 SAR · Dividend yield 3.8% · Net margin 12.5% · Return on equity 3.2% · Return on assets (EBIT) 2.3%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 50 out of 100 (low confidence).
What moves the price
The share trades about 42% below its 52-week high and 3% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at 21% fair-value upside, at −50%, 1183 screens richer than that median.
Fair Value models
Bear 4.94 SARFair Value 6.59 SARBull 11.88 SAR
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then (0.0449 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.Evidence ⓘEvidence = 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%
’14
’15
’16
’17
’18
’19
’20
’21
’22
’23
’24
’25
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.
−12.4%
Earnings growth per share plus dividend.
Earnings per share, growth per year−16.2%
Dividend (yield on the price)3.8%
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.−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.
Compare Saudi Home Loans Company with another stock
Price, fair value, quality and upside side by side.
Free, no sign-up
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 · 90 stocks
Beats the industry median on 5/13 measures
Overall it trails its industry peers.
Valuation
Quality Score52 · Below median
Fair Value upside−50.2% · Below median
Profitability
Return on equity (TTM)3.2% · Below median
Return on assets1.2% · Above median
Net margin (TTM)26.1% · Below median
Operating margin (TTM)36.8% · Below median
Growth and dividend
Revenue growth35.3% · Top 25%
Dividend yield (TTM)3.8% · Below median
Balance sheet
Debt / equity1.53× · Below median
Valuation Multiplesvs Mortgage Finance median · lower = cheaper
P/E (TTM)23.6× · Pricier than median
P/B0.82× · Cheaper than median
P/S (TTM)6.75× · Priciest 25%
EV/EBITDA15.1× · Cheaper than median
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 1
FUTURE (revenue growth)100· sector 100
PAST (return on equity)13· sector 37
HEALTH (low debt)24· sector 24
DIVIDEND (yield)76· sector 100
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 Sep 27, 2026, our model estimates a fair value of 6.59 SAR versus a price of 13.23 SAR, about −50% upside (overvalued).
What is the fair value of 1183?
Our model-based fair value for Saudi Home Loans Company is 6.59 SAR (as of Sep 27, 2026), built from audited fundamentals. The current price: 13.23 SAR.
What is the quality score of 1183?
Saudi Home Loans Company has a Quality Score of 51/100. 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 Sep 27, 2026) from 9 valuation models. Cautious scenario 4.94 SAR, optimistic scenario 11.88 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 −50% upside versus a price of 13.23 SAR (overvalued). Cautious scenario 4.94 SAR, optimistic scenario 11.88 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 212M SAR (latest available figure, as of Sep 27, 2026).
Does Saudi Home Loans Company pay a dividend?
Saudi Home Loans Company currently shows a dividend yield of about 3.78% relative to its recent price (as of Sep 27, 2026).
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 Sep 27, 2026), against a price of 13.23 SAR. It is the blended result of 9 valuation models (cash flow, earnings, asset, dividend).
Is Saudi Home Loans Company stock overvalued or undervalued in 2026?
As of Sep 27, 2026, 1183 trades above its calculated fair value: price 13.23 SAR, fair value 6.59 SAR, a gap of about −50% (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 (13.23 SAR); the fair value is what the company's own numbers justify (6.59 SAR). For Saudi Home Loans Company the two are 6.64 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 1.4B SAR (market capitalisation, as of Sep 27, 2026). Per share that is 13.23 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 11.88 SAR per share (as of Sep 27, 2026, price 13.23 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 23.6 (as of Sep 27, 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 0.8, P/S 6.8, EV/EBITDA 15.1.
How solid is the balance sheet of Saudi Home Loans Company (1183)?
Balance-sheet figures for Saudi Home Loans Company (as of Sep 27, 2026): return on equity 3.2%, debt of 1.53 per unit of equity. They feed the Quality Score of 51/100, which measures business quality independently of the share price.
How far is 1183 from its 52-week high?
Saudi Home Loans Company trades at 13.23 SAR, about 42% below its 52-week high of 22.80 SAR and 3% above the low of 12.87 SAR (as of Sep 29, 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 Federal Home Loan Mortgage Corporation, Rocket Companies, Inc, Federal National Mortgage Association, Bajaj 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 Sep 27, 2026: price 13.23 SAR, calculated fair value 6.59 SAR (−50%), Quality Score 51/100, 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 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 6.59 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 14.9 % 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 Sep 29, 2026 was 13.23 SAR. Our model-based fair value is 6.59 SAR, about −50% upside (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?
The price sits above even our optimistic bull case (11.88 SAR). The favourable scenario is already priced in. Solid but not exceptional quality (51/100) and above fair value, neither a clear bargain nor a standout compounder. A fairly wide model range (4.94 SAR to 11.88 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 grew −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 1.4B SAR (≈ $381M). 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 2.94 (P/E × margin). 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 0.5600 SAR (price ÷ EPS = P/E 23.6). 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 3.8% (payout 89.3%). 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 12.5% (fiscal year 2025). 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 3.2% (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 36.8% (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 +35.3% 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 +33.5% 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.
Free · no account needed
Watch Saudi Home Loans Company in the live analysis
One click puts Saudi Home Loans Company on your watchlist: fair value and trend at a glance, plus comparison, the diversification check and the 35,000+ stock screener. You can also try 14 days of Pro there, no card.
