Morabaha Marina Financing Company (4082) fair value: what the stock is really worth
As of Oct 1, 2026: fair value of Morabaha Marina Financing Company SAR 1.24, price SAR 7.95, upside -84.4%, quality 52 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
Structural break:
The valuation model sees a lasting decline in earnings power for this stock, the confidence band is broken. Treat the target with caution.
Stretched ValuationStrong overvaluation with only moderate quality.
!Fair value 1.24 SAR · Strongly overvalued (−84.4%)
!Quality 52/100
!Mixed Growth(revenue 5y +14.2 %/yr)
!Loss over the last twelve months · -5.6% net margin (TTM) · fiscal year 2025 0.5%
✓Low debt · generates free cash flow
!Trails peers(3/9)
!Narrow moat11/100
!Evidence only low, so the estimate is less certain
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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 27, 2026.
How to read this chart
39‑month range 7.38 SAR – 14.94 SAR · fair‑value band 0.7800 SAR – 2.07 SAR · the 7.95 SAR price screens above the 1.24 SAR fair value. Dashed = 300-day average. As of Sep 27, 2026.
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Morabaha Marina Financing Company provides financing to individual, and small and medium enterprises in the Kingdom of Saudi Arabia. The company operates through Retail, SMEs, and Digital Payments segments. It provides finance leasing; and consumer financing, as well as electronic commerce payments and wallet services.
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Morabaha Marina Financing Company provides financing to individual, and small and medium enterprises in the Kingdom of Saudi Arabia. The company operates through Retail, SMEs, and Digital Payments segments. It provides finance leasing; and consumer financing, as well as electronic commerce payments and wallet services. Morabaha Marina Financing Company was founded in 2012 and is headquartered in Riyadh, the Kingdom of Saudi Arabia.
Stock analysis
Morabaha Marina Financing Company (4082) currently trades at 7.95 SAR, while our model-based Fair Value estimate is 1.24 SAR, 84.4% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Asset-Based group reads highest at a median of 7.78 SAR per share, and 0 of the 13 models we run sit above the 7.95 SAR price.
Bear case: the Multiples group reads lowest at 0.1800 SAR, and 13 of the 13 models stay below the price. Evidence for this calculation is low.
Scenario range: 0.7800 SAR (bear) to 2.07 SAR (bull), the price of 7.95 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 52/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Morabaha Marina Financing Company reported revenue of 218M SAR in FY2025 versus 134M SAR in FY2021, a compound +13.1%/yr. Reported net income was 1.0M SAR in FY2025, compounding −60.3%/yr from FY2021.
Key figures
Market cap 527M SAR (≈ $140M) · P/S ratio 4.36 · EPS (TTM) −0.1000 SAR · Dividend yield 4.6% · Net margin 0.5% · Return on equity −1.4% · Return on assets (EBIT) 3.7% · Operating margin −27.1%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 32 out of 100 (low confidence).
What moves the price
The share trades about 27% below its 52-week high and 8% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at 10% fair-value upside, at −84%, 4082 screens richer than that median.
Fair Value models
The price assumes far more growth than our models allow for, so the models scatter widely (0.1800 SAR to 7.78 SAR). Read the Fair Value as a cautious anchor, not a price target; the Growth Forecast section shows what the price assumes.
Bear 0.7800 SARFair Value 1.24 SARBull 2.07 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. 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.85/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+13.3%
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.
+11.4%
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.
+14.2%
Start year 2020 (pandemic). Over 10 years: +29.3% 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.
+44.8%
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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.
−25.1%
Earnings growth per share plus dividend.
Earnings per share, growth per year−29.7%
Dividend (yield on the price)4.6%
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.−29.7% vs −10.5%, 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.36% → −2%
Start year 2020 (pandemic)
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).
+52.1%
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 +49.0% a year for the price.
Compare Morabaha Marina Financing Company with another stock
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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.Credit Services · 326 stocks
Beats the industry median on 3/8 measures
Overall it trails its industry peers.
Valuation
Quality Score54 · Above median
Fair Value upside−84.4% · Bottom 25%
Profitability
Return on assets−0.8% · Bottom 25%
Net margin (TTM)−5.6% · Bottom 25%
Operating margin (TTM)−27.1% · Bottom 25%
Growth and dividend
Revenue growth−38.8% · Bottom 25%
Dividend yield (TTM)4.6% · Above median
Balance sheet
Debt / equity0.18× · Below median
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 55
FUTURE (revenue growth)0· sector 52
PAST (return on equity)0· sector 33
HEALTH (low debt)91· sector 58
DIVIDEND (yield)93· sector 64
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). "Morabaha Marina Financing Company Fair Value". https://www.fairvalue-calculator.com/stock/4082
Frequently asked questions
Is Morabaha Marina Financing Company (4082) overvalued or undervalued?
As of Sep 27, 2026, our model estimates a fair value of 1.24 SAR versus a price of 7.95 SAR, about −84% upside (overvalued).
What is the fair value of 4082?
Our model-based fair value for Morabaha Marina Financing Company is 1.24 SAR (as of Sep 27, 2026), built from audited fundamentals. The current price: 7.95 SAR.
What is the quality score of 4082?
Morabaha Marina Financing Company has a Quality Score of 52/100. 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 Morabaha Marina Financing Company (4082)?
Our model-based price target is the fair value of 1.24 SAR (as of Sep 27, 2026) from 13 valuation models. Cautious scenario 0.7800 SAR, optimistic scenario 2.07 SAR. It is a calculation from audited fundamentals, not an analyst target.
What is the Morabaha Marina Financing Company stock forecast for 2026?
Our models put fair value at 1.24 SAR, about −84% upside versus a price of 7.95 SAR (overvalued). Cautious scenario 0.7800 SAR, optimistic scenario 2.07 SAR. The calculation is refreshed regularly with new filings.
What is the revenue of Morabaha Marina Financing Company (4082)?
Morabaha Marina Financing Company reported trailing-twelve-month revenue of about 121M SAR (latest available figure, as of Sep 27, 2026).
Does Morabaha Marina Financing Company pay a dividend?
Morabaha Marina Financing Company currently shows a dividend yield of about 4.64% relative to its recent price (as of Sep 27, 2026).
What growth is priced into Morabaha Marina Financing Company (4082)?
For today's price to be fair in a discounted-cash-flow model, Morabaha Marina Financing Company would have to grow free cash flow by +52.1 % 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 +14.2 % per year. As of Sep 27, 2026.
What discount rate (WACC) does the fair value of 4082 use?
Our models discount Morabaha Marina Financing Company at 11.8 %: a base by market capitalisation (micro), damped by beta 0.27, 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 Morabaha Marina Financing Company that is +52.1 % 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 Morabaha Marina Financing Company (4082) delivered so far?
Over the past 5 years revenue at Morabaha Marina Financing Company grew +14.2 % a year. The price currently implies +52.1 % 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 Morabaha Marina Financing Company (4082) growing?
The median revenue growth in the sector is +9.3 % a year. That is the yardstick for the growth priced into Morabaha Marina Financing Company (+52.1 % 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 Morabaha Marina Financing Company (4082)?
The free-cash-flow yield on the price is 6.93 %: that much free cash flow Morabaha Marina Financing 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 Morabaha Marina Financing Company (4082)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Morabaha Marina Financing Company it is 1.24 SAR per share (as of Sep 27, 2026), against a price of 7.95 SAR. It is the blended result of 13 valuation models (cash flow, earnings, asset, dividend).
Is Morabaha Marina Financing Company stock overvalued or undervalued in 2026?
As of Sep 27, 2026, 4082 trades above its calculated fair value: price 7.95 SAR, fair value 1.24 SAR, a gap of about −84% (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 4082?
No. The price is what the market pays today (7.95 SAR); the fair value is what the company's own numbers justify (1.24 SAR). For Morabaha Marina Financing Company the two are 6.71 SAR per share apart. That gap is exactly why we show both numbers side by side.
How much is Morabaha Marina Financing Company worth?
The market values Morabaha Marina Financing Company at about 527M SAR (market capitalisation, as of Sep 27, 2026). Per share that is 7.95 SAR; our models calculate a fair value of 1.24 SAR per share.
What do the bullish and bearish scenarios say about 4082?
Our models span a range for Morabaha Marina Financing Company: cautious scenario 0.7800 SAR, base 1.24 SAR, optimistic 2.07 SAR per share (as of Sep 27, 2026, price 7.95 SAR). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Morabaha Marina Financing Company (4082)?
Balance-sheet figures for Morabaha Marina Financing Company (as of Sep 27, 2026): return on equity −1.4%, debt of 0.18 per unit of equity. They feed the Quality Score of 52/100, which measures business quality independently of the share price.
How far is 4082 from its 52-week high?
Morabaha Marina Financing Company trades at 7.95 SAR, about 27% below its 52-week high of 10.96 SAR and 8% above the low of 7.38 SAR (as of Oct 1, 2026). Distance from the high says nothing about value: that is what the fair value of 1.24 SAR is for.
Which stocks are comparable to Morabaha Marina Financing Company?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, 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 Morabaha Marina Financing Company stock attractive at the current price?
The data as of Sep 27, 2026: price 7.95 SAR, calculated fair value 1.24 SAR (−84%), Quality Score 52/100, 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 4082 calculated?
We run Morabaha Marina Financing Company 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 1.24 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 14.5 % above its aggregate fair value. Morabaha Marina Financing 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 Morabaha Marina Financing Company (4082)?
The closing price on Oct 1, 2026 was 7.95 SAR. Our model-based fair value is 1.24 SAR, about −84% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Morabaha Marina Financing Company right now?
The price sits above even our optimistic bull case (2.07 SAR). The favourable scenario is already priced in. The model range is unusually wide (0.7800 SAR to 2.07 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 but not exceptional quality (52/100) and above fair value, neither a clear bargain nor a standout compounder.
Key figures of Morabaha Marina Financing Company
How large is the market capitalisation of Morabaha Marina Financing Company (4082)?
The market capitalisation of Morabaha Marina Financing Company is 527M SAR (≈ $140M). 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 Morabaha Marina Financing Company (4082)?
The price-to-sales ratio of Morabaha Marina Financing Company is 4.36 (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 Morabaha Marina Financing Company (4082)?
Earnings per share at Morabaha Marina Financing Company are −0.1000 SAR. Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Morabaha Marina Financing Company (4082)?
The dividend yield of Morabaha Marina Financing Company is 4.6%. 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 Morabaha Marina Financing Company (4082)?
The net margin of Morabaha Marina Financing Company is 0.5% (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 Morabaha Marina Financing Company (4082)?
The return on equity (ROE) of Morabaha Marina Financing Company is −1.4% (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 Morabaha Marina Financing Company (4082)?
On an EBIT basis the return on assets of Morabaha Marina Financing Company is 3.7% (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 Morabaha Marina Financing Company (4082)?
The operating margin of Morabaha Marina Financing Company is −27.1% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Morabaha Marina Financing Company (4082)?
Revenue at Morabaha Marina Financing Company is growing −38.8% versus a year earlier (3y avg +11.4%). 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 Morabaha Marina Financing Company (4082)?
Earnings per share at Morabaha Marina Financing Company are growing −13.7% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does Morabaha Marina Financing Company (4082) carry?
The net debt of Morabaha Marina Financing Company is 407M 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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