Al Baha Investment and Development Company SJSC (4130) fair value: what the stock is really worth
As of Oct 28, 2026: fair value (intrinsic value) of Al Baha Investment and Development Company SJSC stock SAR 0.83, price SAR 1.85, upside -55.1%, quality 72 out of 100. Rating: strongly overvalued. 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. As of Oct 28, 2026.
How to read this chart
60‑month range 1.57 SAR – 5.72 SAR · fair‑value band 0.4600 SAR – 1.39 SAR · the 1.85 SAR price screens above the 0.8300 SAR fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Oct 28, 2026.
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Darb Saudi Investment Company, together with its subsidiaries, manages and leases residential and non-residential real estates in the Kingdom of Saudi Arabia.
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It is also involved in the management and leasing of warehouses; brokerage of real estate; management of properties; and real estate investment and development.
In addition, the company engages in the construction and renovation of residential and non-residential buildings; financial service activities; purchase, sale, and subdivision of land and real estate; wholesale and retail trade; support functions; residence, food, and beverage service activities; creative activities, arts, and entertainment; and usage activities.
The company was formerly known as Al-Baha Investment and Development Company and changed its name to Darb Saudi Investment Company in June 2025. Darb Saudi Investment Company was founded in 1992 and is headquartered in Riyadh, the Kingdom of Saudi Arabia.
Stock analysis
Al Baha Investment and Development Company SJSC (4130) currently trades at 1.85 SAR, while our model-based Fair Value estimate is 0.8300 SAR, 55.1% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the DCF Models group reads highest at a median of 0.8300 SAR per share, and 1 of the 11 models we run sit above the 1.85 SAR price.
Bear case: the Growth DCF group reads lowest at 0.3600 SAR, and 10 of the 11 models stay below the price. Data coverage for this calculation is low.
Scenario range: 0.4600 SAR (bear) to 1.39 SAR (bull), the price of 1.85 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 72/100 (solid quality), in the Industrials sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Al Baha Investment and Development Company SJSC reported revenue of 18.3M SAR in FY2025 versus 11.4M SAR in FY2021, a compound +12.5%/yr. Reported net income was 6.8M SAR in FY2025.
Key figures
Market cap 404M SAR (≈ $108M) Micro · P/E ratio 61.7 · P/S ratio 23.6 · EPS (TTM) 0.0300 SAR · Net margin 41.2% · Return on equity 3.1% · Return on assets (EBIT) 1.3% · Operating margin 57.7%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 65 out of 100 (low confidence).
What moves the price
The share trades about 35% below its 52-week high and 14% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Industrials peers we cover trades at 11% fair-value upside, at −55%, 4130 screens richer than that median.
Fair Value models
Bear0.4600 SARFair Value 0.8300 SARBull1.39 SAR
Price 1.85 SAR · Upside -55.1%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then (0.0248 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.Coverage ⓘCoverage = 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.77/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+1.0%
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.
+16.6%
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.
+10.3%
Start year 2020 (pandemic). Over 10 years: +12.7% a year
Revenue growth 20 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.
+8.8%
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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.
−237.2% (2020) → 37.1% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: rate outside our plausibility band
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).
+29.9%
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 +27.3% a year for the price.
Compare Al Baha Investment and Development Company SJSC 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.Conglomerates · 361 stocks
Beats the industry median on 4/13 measures
Overall it trails its industry peers.
Valuation
Quality Score72 · Top 25%
Fair Value upside−55.1% · Bottom 25%
Profitability
Return on equity (12 months)3.1% · Below median
Return on assets2.6% · Below median
Net margin (12 months)41.2% · Top 25%
Operating margin (12 months)57.7% · Top 25%
Growth and dividend
Revenue growth (quarter YoY)−12.9% · Bottom 25%
Balance sheet
Debt / equity0.03× · Below median
Valuation Multiplesvs Conglomerates median · lower = cheaper
P/E (12 months)61.7× · Priciest 25%
P/B1.76× · Pricier than median
P/S (12 months)23.59× · Priciest 25%
Price / free cash flow42.8× · Priciest 25%
EV/EBITDA37.0× · Priciest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 47
FUTURE (revenue growth)0· sector 34
PAST (return on equity)12· sector 22
HEALTH (low debt)98· sector 90
DIVIDEND (yield)0· sector 45
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). "Al Baha Investment and Development Company SJSC Fair Value". https://www.fairvalue-calculator.com/stock/4130
Frequently asked questions
Is Al Baha Investment and Development Company SJSC (4130) overvalued or undervalued?
As of Oct 28, 2026, our model estimates a fair value of 0.8300 SAR versus a price of 1.85 SAR, about −55% upside (overvalued).
What is the fair value of 4130?
Our model-based fair value for Al Baha Investment and Development Company SJSC is 0.8300 SAR (as of Oct 28, 2026), built from audited fundamentals. The current price: 1.85 SAR.
What is the quality score of 4130?
Al Baha Investment and Development Company SJSC has a Quality Score of 72/100. 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 Baha Investment and Development Company SJSC (4130)?
Our model-based price target is the fair value of 0.8300 SAR (as of Oct 28, 2026) from 11 valuation models. Cautious scenario 0.4600 SAR, optimistic scenario 1.39 SAR. It is a calculation from audited fundamentals, not an analyst target.
What is the Al Baha Investment and Development Company SJSC stock forecast for 2026?
Our models put fair value at 0.8300 SAR, about −55% upside versus a price of 1.85 SAR (overvalued). Cautious scenario 0.4600 SAR, optimistic scenario 1.39 SAR. The calculation is refreshed regularly with new filings.
What is the revenue of Al Baha Investment and Development Company SJSC (4130)?
Al Baha Investment and Development Company SJSC reported trailing-twelve-month revenue of about 17.1M SAR (latest available figure, as of Oct 28, 2026).
What growth is priced into Al Baha Investment and Development Company SJSC (4130)?
For today's price to be fair in a discounted-cash-flow model, Al Baha Investment and Development Company SJSC would have to grow free cash flow by +29.9 % 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 +10.3 % per year. As of Oct 28, 2026.
What discount rate (WACC) does the fair value of 4130 use?
Our models discount Al Baha Investment and Development Company SJSC at 11.8 %: a base by market capitalisation (micro), damped by beta 0.43, 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 Baha Investment and Development Company SJSC that is +29.9 % 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 Baha Investment and Development Company SJSC (4130) delivered so far?
Over the past 5 years revenue at Al Baha Investment and Development Company SJSC grew +10.3 % a year. The price currently implies +29.9 % 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 Baha Investment and Development Company SJSC (4130) growing?
The median revenue growth in the sector is +7.8 % a year. That is the yardstick for the growth priced into Al Baha Investment and Development Company SJSC (+29.9 % 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 Baha Investment and Development Company SJSC (4130)?
The free-cash-flow yield on the price is 2.34 %: that much free cash flow Al Baha Investment and Development Company SJSC 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 Baha Investment and Development Company SJSC (4130)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Al Baha Investment and Development Company SJSC it is 0.8300 SAR per share (as of Oct 28, 2026), against a price of 1.85 SAR. It is the blended result of 11 valuation models (cash flow, earnings, asset, dividend).
Is Al Baha Investment and Development Company SJSC stock overvalued or undervalued in 2026?
As of Oct 28, 2026, 4130 trades above its calculated fair value: price 1.85 SAR, fair value 0.8300 SAR, a gap of about −55% (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 4130?
No. The price is what the market pays today (1.85 SAR); the fair value is what the company's own numbers justify (0.8300 SAR). For Al Baha Investment and Development Company SJSC the two are 1.02 SAR per share apart. That gap is exactly why we show both numbers side by side.
How much is Al Baha Investment and Development Company SJSC worth?
The market values Al Baha Investment and Development Company SJSC at about 404M SAR (market capitalisation, as of Oct 28, 2026). Per share that is 1.85 SAR; our models calculate a fair value of 0.8300 SAR per share.
What do the bullish and bearish scenarios say about 4130?
Our models span a range for Al Baha Investment and Development Company SJSC: cautious scenario 0.4600 SAR, base 0.8300 SAR, optimistic 1.39 SAR per share (as of Oct 28, 2026, price 1.85 SAR). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 4130?
Al Baha Investment and Development Company SJSC trades at a price-to-earnings ratio of 61.7 (as of Oct 28, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 0.8300 SAR is built from several models across several years. Other multiples: P/B 1.8, P/S 23.6, EV/EBITDA 37.0.
How solid is the balance sheet of Al Baha Investment and Development Company SJSC (4130)?
Balance-sheet figures for Al Baha Investment and Development Company SJSC (as of Oct 28, 2026): return on equity 3.1%, debt of 0.03 per unit of equity. They feed the Quality Score of 72/100, which measures business quality independently of the share price.
How far is 4130 from its 52-week high?
Al Baha Investment and Development Company SJSC trades at 1.85 SAR, about 35% below its 52-week high of 2.86 SAR and 14% above the low of 1.62 SAR (as of Oct 28, 2026). Distance from the high says nothing about value: that is what the fair value of 0.8300 SAR is for.
Which stocks are comparable to Al Baha Investment and Development Company SJSC?
From the same area (Industrials) we also value 3M Company, Honeywell International Inc, Swire Pacific Limited, CK Hutchison Holdings, 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 Baha Investment and Development Company SJSC stock attractive at the current price?
The data as of Oct 28, 2026: price 1.85 SAR, calculated fair value 0.8300 SAR (−55%), Quality Score 72/100, from 11 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 4130 calculated?
We run Al Baha Investment and Development Company SJSC through 11 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 0.8300 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 13.4 % above its aggregate fair value. Al Baha Investment and Development Company SJSC 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 Al Baha Investment and Development Company SJSC (4130)?
The closing price on Oct 28, 2026 was 1.85 SAR. Our model-based fair value is 0.8300 SAR, about −55% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Al Baha Investment and Development Company SJSC right now?
A high-quality business (quality 72/100), yet the market already pays well above fair value. Quality at a full price, with little margin of safety. The price sits above even our optimistic bull case (1.39 SAR). The favourable scenario is already priced in. The model range is unusually wide (0.4600 SAR to 1.39 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.
Key figures of Al Baha Investment and Development Company SJSC
How large is the market capitalisation of Al Baha Investment and Development Company SJSC (4130)?
The market capitalisation of Al Baha Investment and Development Company SJSC is 404M SAR (≈ $108M). 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 Baha Investment and Development Company SJSC (4130)?
The price-to-sales ratio of Al Baha Investment and Development Company SJSC is 23.6 (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 Baha Investment and Development Company SJSC (4130)?
Earnings per share at Al Baha Investment and Development Company SJSC are 0.0300 SAR (price ÷ EPS = P/E 61.7). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Al Baha Investment and Development Company SJSC (4130)?
The net margin of Al Baha Investment and Development Company SJSC is 41.2% (last twelve months). 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 Baha Investment and Development Company SJSC (4130)?
The return on equity (ROE) of Al Baha Investment and Development Company SJSC is 3.1% (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 Al Baha Investment and Development Company SJSC (4130)?
On an EBIT basis the return on assets of Al Baha Investment and Development Company SJSC is 1.3% (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 Al Baha Investment and Development Company SJSC (4130)?
The operating margin of Al Baha Investment and Development Company SJSC is 57.7% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Al Baha Investment and Development Company SJSC (4130)?
Revenue at Al Baha Investment and Development Company SJSC is growing −12.9% versus a year earlier (3y avg +16.6%). 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 Baha Investment and Development Company SJSC (4130)?
Earnings per share at Al Baha Investment and Development Company SJSC are growing +39.6% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does Al Baha Investment and Development Company SJSC (4130) carry?
The net debt of Al Baha Investment and Development Company SJSC is 13.2M SAR (fiscal year 2025, ≈ 1.4 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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Oct 28, 2026