AL JOUF CEMENT COMPANY (3091) fair value: what the stock is really worth
As of Sep 24, 2026: fair value of AL JOUF CEMENT COMPANY SAR 14.37, price SAR 4.79, upside +200.0%, quality 47 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.
How to read this chart
60‑month range 4.72 SAR – 19.13 SAR · fair‑value band 8.32 SAR – 23.84 SAR · the 4.79 SAR price screens below the 14.37 SAR fair value. Dashed = 300-day average. As of Sep 24, 2026.
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Al Jouf Cement Company engages in production and sale of cement in the Kingdom of Saudi Arabia. It provides sulfate-resistant cement, ordinary Portland cement, Super 20 cement, and finishing cement.
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Al Jouf Cement Company engages in production and sale of cement in the Kingdom of Saudi Arabia. It provides sulfate-resistant cement, ordinary Portland cement, Super 20 cement, and finishing cement. The company also engages in the provision of marketing services; land transport of goods; and import, export, wholesale, and retail trade of cement and its derivatives. Its products are used in various applications, such as various types of concrete structures and foundations, civil and construction projects, reinforced concrete works, pipes, and cement brick factories, as well as finishing works. The company was founded in 2006 and is based in Riyadh, the Kingdom of Saudi Arabia.
Stock analysis
AL JOUF CEMENT COMPANY (3091) currently trades at 4.79 SAR, while our model-based Fair Value estimate is 14.37 SAR, implying the stock looks roughly 66.7% undervalued today.
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Valuation
Bull case: the DCF Models group reads highest at a median of 13.06 SAR per share, and 6 of the 7 models we run sit above the 4.79 SAR price.
Bear case: the Multiples group reads lowest at 2.23 SAR, and 1 of the 7 models stay below the price. Evidence for this calculation is low.
Scenario range: 8.32 SAR (bear) to 23.84 SAR (bull), the price of 4.79 SAR sits below 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 47/100 (below-average quality), in the Basic Materials sector.
Weak Growth: Revenue is shrinking: the last year, the last three and the last five years are all negative.
AL JOUF CEMENT COMPANY reported revenue of 244M SAR in FY2025 versus 227M SAR in FY2021, a compound +1.9%/yr. Reported net income was −207M SAR in FY2025.
Key figures
Market cap 521M SAR (≈ $139M) · P/S ratio 2.43 · EPS (TTM) −1.96 SAR · Net margin −84.5% · Return on equity −21.4% · Return on assets (EBIT) −0.4% · Operating margin −16.6% · Revenue (TTM) 216M SAR.
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 33% below its 52-week high and 1% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Basic Materials peers we cover trades at −47% fair-value upside, at 200%, 3091 screens cheaper than that median.
Fair Value models
Bear 8.32 SARFair Value 14.37 SARBull 23.84 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.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.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.18/100
Revenue is shrinking: the last year, the last three and the last five years are all negative.
Revenue growth 1 year
−4.8%
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.
−1.0%
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.
−0.6%
Start year 2020 (pandemic). Over 10 years: −3.1% a year
Revenue growth 17 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.
+19.9%
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Profit margin (trend) ⓘ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.
−21.6% (2020) → −56.4% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2025 is a loss year, no rate is defined from a loss
not computed
Growth Forecast
A lot of optimism in the price
The price assumes more 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).
+11.0%
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 +8.7% a year for the price.
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.Building Materials · 258 stocks
Beats the industry median on 4/10 measures
A mixed picture versus its industry peers.
Valuation
Quality Score47 · Below median
Fair Value upside+200% · Top 25%
Profitability
Return on assets−5% · Bottom 25%
Net margin (TTM)−99% · Bottom 25%
Operating margin (TTM)−17% · Bottom 25%
Growth and dividend
Revenue growth−41% · Bottom 25%
Balance sheet
Debt / equity0.14× · Below median
Valuation Multiplesvs Building Materials median · lower = cheaper
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Cite: Fair Value Calculator (2026). "AL JOUF CEMENT COMPANY Fair Value". https://www.fairvalue-calculator.com/stock/3091
Frequently asked questions
Is AL JOUF CEMENT COMPANY (3091) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of 14.37 SAR versus a price of 4.79 SAR, about +200% upside (undervalued).
What is the fair value of 3091?
Our model-based fair value for AL JOUF CEMENT COMPANY is 14.37 SAR (as of Sep 24, 2026), built from audited fundamentals. The current price: 4.79 SAR.
What is the quality score of 3091?
AL JOUF CEMENT COMPANY has a Quality Score of 47/100. 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 AL JOUF CEMENT COMPANY (3091)?
Our model-based price target is the fair value of 14.37 SAR (as of Sep 24, 2026) from 7 valuation models. Cautious scenario 8.32 SAR, optimistic scenario 23.84 SAR. It is a calculation from audited fundamentals, not an analyst target.
What is the AL JOUF CEMENT COMPANY stock forecast for 2026?
Our models put fair value at 14.37 SAR, about +200% upside versus a price of 4.79 SAR (undervalued). Cautious scenario 8.32 SAR, optimistic scenario 23.84 SAR. The calculation is refreshed regularly with new filings.
What is the revenue of AL JOUF CEMENT COMPANY (3091)?
AL JOUF CEMENT COMPANY reported trailing-twelve-month revenue of about 216M SAR (latest available figure, as of Sep 24, 2026).
What growth is priced into AL JOUF CEMENT COMPANY (3091)?
For today's price to be fair in a discounted-cash-flow model, AL JOUF CEMENT COMPANY would have to grow free cash flow by +11.0 % 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 -0.6 % per year. As of Sep 24, 2026.
What discount rate (WACC) does the fair value of 3091 use?
Our models discount AL JOUF CEMENT COMPANY at 11.8 %: a base by market capitalisation (micro), damped by beta 0.23, 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 AL JOUF CEMENT COMPANY that is +11.0 % 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 AL JOUF CEMENT COMPANY (3091) delivered so far?
Over the past 5 years revenue at AL JOUF CEMENT COMPANY grew -0.6 % a year. The price currently implies +11.0 % 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 AL JOUF CEMENT COMPANY (3091) growing?
The median revenue growth in the sector is +3.3 % a year. That is the yardstick for the growth priced into AL JOUF CEMENT COMPANY (+11.0 % 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 AL JOUF CEMENT COMPANY (3091)?
The free-cash-flow yield on the price is 13.96 %: that much free cash flow AL JOUF CEMENT COMPANY 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 AL JOUF CEMENT COMPANY (3091)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For AL JOUF CEMENT COMPANY it is 14.37 SAR per share (as of Sep 24, 2026), against a price of 4.79 SAR. It is the blended result of 7 valuation models (cash flow, earnings, asset, dividend).
Is AL JOUF CEMENT COMPANY stock overvalued or undervalued in 2026?
As of Sep 24, 2026, 3091 trades below its calculated fair value: price 4.79 SAR, fair value 14.37 SAR, a gap of about +200% (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 3091?
No. The price is what the market pays today (4.79 SAR); the fair value is what the company's own numbers justify (14.37 SAR). For AL JOUF CEMENT COMPANY the two are 9.58 SAR per share apart. That gap is exactly why we show both numbers side by side.
How much is AL JOUF CEMENT COMPANY worth?
The market values AL JOUF CEMENT COMPANY at about 521M SAR (market capitalisation, as of Sep 24, 2026). Per share that is 4.79 SAR; our models calculate a fair value of 14.37 SAR per share.
What do the bullish and bearish scenarios say about 3091?
Our models span a range for AL JOUF CEMENT COMPANY: cautious scenario 8.32 SAR, base 14.37 SAR, optimistic 23.84 SAR per share (as of Sep 24, 2026, price 4.79 SAR). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of AL JOUF CEMENT COMPANY (3091)?
Balance-sheet figures for AL JOUF CEMENT COMPANY (as of Sep 24, 2026): return on equity −21.4%, debt of 0.14 per unit of equity. They feed the Quality Score of 47/100, which measures business quality independently of the share price.
How far is 3091 from its 52-week high?
AL JOUF CEMENT COMPANY trades at 4.79 SAR, about 33% below its 52-week high of 7.18 SAR and 1% above the low of 4.72 SAR (as of Sep 24, 2026). Distance from the high says nothing about value: that is what the fair value of 14.37 SAR is for.
Which stocks are comparable to AL JOUF CEMENT COMPANY?
From the same area (Basic Materials) we also value CRH plc, Holcim AG, Vulcan Materials Company, UltraTech Cement 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 AL JOUF CEMENT COMPANY stock attractive at the current price?
The data as of Sep 24, 2026: price 4.79 SAR, calculated fair value 14.37 SAR (+200%), Quality Score 47/100, from 7 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 3091 calculated?
We run AL JOUF CEMENT COMPANY through 7 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 14.37 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 14.0 % above its aggregate fair value. AL JOUF CEMENT COMPANY currently trades 200 % 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 AL JOUF CEMENT COMPANY (3091)?
The closing price on Sep 24, 2026 was 4.79 SAR. Our model-based fair value is 14.37 SAR, about +200% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with AL JOUF CEMENT COMPANY right now?
The price is below even our cautious bear case (8.32 SAR). The market is more pessimistic than our downside scenario. The model range is unusually wide (8.32 SAR to 23.84 SAR). The outcome hinges heavily on assumptions, so read the point estimate with caution. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. Solid quality (47/100) at a price below fair value, the discount is the argument here, not the business quality.
Where does the earnings growth of AL JOUF CEMENT COMPANY (3091) come from?
Earnings per share at AL JOUF CEMENT COMPANY grew −1.1 % a year from 2013 to 2024. Broken into its drivers: revenue per share −0.9 %, EBIT margin −5.3 %, tax rate +0.7 %, residual (interest, one-offs) +4.7 %. 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 AL JOUF CEMENT COMPANY
How large is the market capitalisation of AL JOUF CEMENT COMPANY (3091)?
The market capitalisation of AL JOUF CEMENT COMPANY is 521M SAR (≈ $139M). 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 AL JOUF CEMENT COMPANY (3091)?
The price-to-sales ratio of AL JOUF CEMENT COMPANY is 2.43 (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 AL JOUF CEMENT COMPANY (3091)?
Earnings per share at AL JOUF CEMENT COMPANY are −1.96 SAR. Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of AL JOUF CEMENT COMPANY (3091)?
The net margin of AL JOUF CEMENT COMPANY is −84.5% (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 AL JOUF CEMENT COMPANY (3091)?
The return on equity (ROE) of AL JOUF CEMENT COMPANY is −21.4% (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 AL JOUF CEMENT COMPANY (3091)?
On an EBIT basis the return on assets of AL JOUF CEMENT COMPANY is −0.4% (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 AL JOUF CEMENT COMPANY (3091)?
The operating margin of AL JOUF CEMENT COMPANY is −16.6% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at AL JOUF CEMENT COMPANY (3091)?
Revenue at AL JOUF CEMENT COMPANY is growing −41.3% versus a year earlier (3y avg −1.0%). 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 AL JOUF CEMENT COMPANY (3091)?
Earnings per share at AL JOUF CEMENT COMPANY are growing −66.4% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does AL JOUF CEMENT COMPANY (3091) carry?
The net debt of AL JOUF CEMENT COMPANY is 700M SAR (fiscal year 2025, ≈ 9.6 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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