United International Holding (4083) Fair Value & Analysis
Financial Services · SA · Market cap 2.2B SAR
Fair value as of: Jul 31, 2026
From 15 valuation models · updated today
Share price −16.8% over the past month.
What matters now
- The large discount to fair value meets weak quality (34/100). That raises the risk this is a value trap rather than a bargain.
- The price is below even our cautious bear case (41.91 SAR). The market is more pessimistic than our downside scenario.
- 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 29.00 SAR – 1,000,000 SAR · fair‑value band 41.91 SAR – 69.85 SAR · the 29.40 SAR price screens below the 55.88 SAR fair value. As of Jul 31, 2026.
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United International Holding (4083) currently trades at 29.40 SAR, while our model-based Fair Value estimate is 55.88 SAR, implying the stock looks roughly 90.1% undervalued today. We read business quality at 34/100 (below-average quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.
Over the trailing twelve months, United International Holding generated revenue of 564M SAR at a net margin of 49.7%. Revenue grew 13.7% year over year. It earns a return on equity of 21.1%. Net debt stands at 1.6B SAR. Fundamentals as of Jul 31, 2026
Our scenario range runs from 41.91 SAR (bear case) to 69.85 SAR (bull case); at 29.40 SAR, the current price sits below that range. For context, the median of 10 Financial Services peers we cover trades at 53% fair-value upside, at 90%, 4083 screens cheaper 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
United International Holding Company, together with its subsidiaries, provides consumer finance services in the Kingdom of Saudi Arabia. The company offers product, personal, and credit card finance services to individual customers. It also invests in stocks and other securities; and provides loans, guarantees, and financing to affiliated companies.
Full company description
United International Holding Company, together with its subsidiaries, provides consumer finance services in the Kingdom of Saudi Arabia. The company offers product, personal, and credit card finance services to individual customers. It also invests in stocks and other securities; and provides loans, guarantees, and financing to affiliated companies. In addition, the company offers remote processing and support, data backup, credit card payment, and technical services for financial institutions and other companies; and call center, application processing, and information technology support services. United International Holding Company was incorporated in 2021 and is headquartered in Al Khobar, the Kingdom of Saudi Arabia. United International Holding Company is a subsidiary of United Electronics Company.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
United International Holding reported revenue of 769M SAR in FY2025 versus 302M SAR in FY2021, a compound +26.3%/yr. Reported net income was 274M SAR in FY2025, compounding +20.5%/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 Asset Management stocks, each showing price versus our Fair Value estimate (as of Jul 31, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Fondul Proprietatea SA FP | $0.0420 | $0.0800 | +90% |
| The Schiehallion Fund Limited MNTN | $2.27 | $4.54 | +100% |
| BlackRock, Inc UU2 | €870.00 | €558.00 | -36% |
| Blackstone Inc BX | $118.48 | $55.81 | -53% |
| BH Macro Limited BHMU | $4.42 | $8.84 | +100% |
| Investor AB INVEB | kr 393.75 | kr 1,417 | +260% |
| BioPharma Credit PLC BPCR | $0.9600 | $1.47 | +53% |
| Brookfield Corporation BN | $44.44 | $5.89 | -87% |
| KKR & Co KKR | $95.02 | $23.06 | -76% |
| Brookfield Asset Management Ltd BAM | C$63.81 | C$41.56 | -35% |
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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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