United International Holding Company (4083) fair value: what the stock is really worth
We calculate from audited financials what United International Holding Company is really worth. The fair value tells you whether the price is too high or too low, the quality score (0 to 100) how solid the business behind it is. 26 models, 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 13, 2026.
How to read this chart
21‑month range 28.22 SAR – 1,000,000 SAR · fair‑value band 21.82 SAR – 90.53 SAR · the 29.20 SAR price screens below the 37.69 SAR fair value. Dashed = 300-day average. As of Sep 13, 2026.
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.
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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.
Stock analysis
United International Holding Company (4083) currently trades at 29.20 SAR, while our model-based Fair Value estimate is 37.69 SAR, implying the stock looks roughly 22.5% undervalued today.
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Valuation
Bull case: the DCF Models group reads highest at a median of 105.77 SAR per share, and 5 of the 7 models we run sit above the 29.20 SAR price.
Bear case: the Asset-Based group reads lowest at 12.48 SAR, and 2 of the 7 models stay below the price. Evidence for this calculation is medium.
Scenario range: 21.82 SAR (bear) to 90.53 SAR (bull), the price of 29.20 SAR sits inside 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 Financial Services sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
United International Holding Company 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.
Key figures
Market cap 2.2B SAR (≈ $579M) · P/E ratio 7.5 · P/S ratio 2.68 · EPS (TTM) 3.88 SAR · Net margin 35.6% · Return on equity 21.1% · Return on assets (EBIT) 13.1% · Operating margin 51.1%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 49 out of 100 (medium confidence).
What moves the price
For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at 29%, 4083 screens cheaper than that median.
Fair Value models
Bear 21.82 SARFair Value 37.69 SARBull 90.53 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 8 months old). Earnings retained since then (2.73 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.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.62/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+23.4%
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.
+22.3%
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.
+41.8%
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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.
+29.1%
Earnings growth per share plus dividend.
Earnings per share, growth per year+29.1%
Dividend (yield on the price)0.0%
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.25% → 40%
Compare United International Holding Company with another stock
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.Asset Management · 661 stocks
Beats the industry median on 10/12 measures
Overall it ranks above its industry peers.
Valuation
Quality Score45 · Bottom 25%
Fair Value upside+26% · Above median
Profitability
Return on equity (TTM)21% · Top 25%
Return on assets9% · Top 25%
Net margin (TTM)50% · Above median
Operating margin (TTM)51% · Above median
Growth and dividend
Revenue growth14% · Above median
Balance sheet
Debt / equity0.78× · Highest 25%
Valuation Multiplesvs Asset Management median · lower = cheaper
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Cite: Fair Value Calculator (2026). "United International Holding Company Fair Value". https://www.fairvalue-calculator.com/stock/4083
Frequently asked questions
Is United International Holding Company (4083) overvalued or undervalued?
As of Sep 13, 2026, our model estimates a fair value of 37.69 SAR versus a price of 29.20 SAR, about +29% upside (undervalued).
What is the fair value of 4083?
Our model-based fair value for United International Holding Company is 37.69 SAR (as of Sep 13, 2026), built from audited fundamentals. The current price: 29.20 SAR.
What is the quality score of 4083?
United International Holding 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 United International Holding Company (4083)?
Our model-based price target is the fair value of 37.69 SAR (as of Sep 13, 2026) from 7 valuation models. Cautious scenario 21.82 SAR, optimistic scenario 90.53 SAR. It is a calculation from audited fundamentals, not an analyst target.
What is the United International Holding Company stock forecast for 2026?
Our models put fair value at 37.69 SAR, about +29% upside versus a price of 29.20 SAR (undervalued). Cautious scenario 21.82 SAR, optimistic scenario 90.53 SAR. The calculation is refreshed regularly with new filings.
What is the revenue of United International Holding Company (4083)?
United International Holding Company reported trailing-twelve-month revenue of about 564M SAR (latest available figure, as of Sep 13, 2026).
What is the intrinsic value of United International Holding Company (4083)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For United International Holding Company it is 37.69 SAR per share (as of Sep 13, 2026), against a price of 29.20 SAR. It is the blended result of 7 valuation models (cash flow, earnings, asset, dividend).
Is United International Holding Company stock overvalued or undervalued in 2026?
As of Sep 13, 2026, 4083 trades below its calculated fair value: price 29.20 SAR, fair value 37.69 SAR, a gap of about +29% (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 4083?
No. The price is what the market pays today (29.20 SAR); the fair value is what the company's own numbers justify (37.69 SAR). For United International Holding Company the two are 8.49 SAR per share apart. That gap is exactly why we show both numbers side by side.
How much is United International Holding Company worth?
The market values United International Holding Company at about 2.2B SAR (market capitalisation, as of Sep 13, 2026). Per share that is 29.20 SAR; our models calculate a fair value of 37.69 SAR per share.
What do the bullish and bearish scenarios say about 4083?
Our models span a range for United International Holding Company: cautious scenario 21.82 SAR, base 37.69 SAR, optimistic 90.53 SAR per share (as of Sep 13, 2026, price 29.20 SAR). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 4083?
United International Holding Company trades at a price-to-earnings ratio of 7.5 (as of Sep 13, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 37.69 SAR is built from several models across several years. Other multiples: P/B 0.4, P/S 1.0, EV/EBITDA 4.8.
How solid is the balance sheet of United International Holding Company (4083)?
Balance-sheet figures for United International Holding Company (as of Sep 13, 2026): return on equity 21.1%, debt of 0.78 per unit of equity. They feed the Quality Score of 47/100, which measures business quality independently of the share price.
Which stocks are comparable to United International Holding Company?
From the same area (Financial Services) we also value Blackstone Inc, Investor AB, Brookfield Corporation, KKR & Co, 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 United International Holding Company stock attractive at the current price?
The data as of Sep 13, 2026: price 29.20 SAR, calculated fair value 37.69 SAR (+29%), 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 4083 calculated?
We run United International Holding 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 37.69 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 15.8 % above its aggregate fair value. United International Holding Company currently trades 29 % 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 should I pay attention to with United International Holding Company right now?
The model range is unusually wide (21.82 SAR to 90.53 SAR). The outcome hinges heavily on assumptions, so read the point estimate with caution. Solid quality (47/100) at a price below fair value, the discount is the argument here, not the business quality. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of United International Holding Company
How large is the market capitalisation of United International Holding Company (4083)?
The market capitalisation of United International Holding Company is 2.2B SAR (≈ $579M). 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 United International Holding Company (4083)?
The price-to-sales ratio of United International Holding Company is 2.68 (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 United International Holding Company (4083)?
Earnings per share at United International Holding Company are 3.88 SAR (price ÷ EPS = P/E 7.5). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of United International Holding Company (4083)?
The net margin of United International Holding Company is 35.6% (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 United International Holding Company (4083)?
The return on equity (ROE) of United International Holding Company is 21.1% (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 United International Holding Company (4083)?
On an EBIT basis the return on assets of United International Holding Company is 13.1% (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 United International Holding Company (4083)?
The operating margin of United International Holding Company is 51.1% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at United International Holding Company (4083)?
Revenue at United International Holding Company is growing +13.7% versus a year earlier (3y avg +22.3%). 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 United International Holding Company (4083)?
Earnings per share at United International Holding Company are growing +11.4% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does United International Holding Company (4083) generate?
The free cash flow of United International Holding Company is −314M 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 United International Holding Company (4083) carry?
The net debt of United International Holding Company is 1.6B 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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