Al-Saif Stores for Development & Investment Company (4192) fair value: what the stock is really worth
As of Sep 24, 2026: fair value of Al-Saif Stores for Development & Investment Company SAR 2.85, price SAR 6.12, upside -53.4%, quality 60 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
45‑month range 6.08 SAR – 11.87 SAR · fair‑value band 2.11 SAR – 3.78 SAR · the 6.12 SAR price screens above the 2.85 SAR fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 2026.
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Al-Saif Stores for Development & Investment Company engages in the wholesale and retail sale of household utensils, electrical appliances, and cleaning supplies in the Kingdom of Saudi Arabia.
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Al-Saif Stores for Development & Investment Company engages in the wholesale and retail sale of household utensils, electrical appliances, and cleaning supplies in the Kingdom of Saudi Arabia. It offers kitchen appliances; home appliances; large appliances; coffee makers; built in appliances; televisions and accessories; thermoses; tea and coffee maker; serve ware; food containers; cookware; home products; health & beauty products; kitchen spare parts; and furniture; dough mixers; refrigerators and freezers; electric pots; and air fryers. The company also engages in the general contracting; construction, repair, restoration, and demolition of buildings; public construction of road works, water and sewage works, dams, drilling wells; maintenance and operation of electrical, mechanical, and electronic installation; landscaping and blacksmithing, carpentry, aluminum, decoration, gypsum, maintenance, and cleaning works; management and operation of cities, utilities, buildings, and public and private facilities; and buying and owning real estate and lands to construct buildings. It also sells its products online. Al-Saif Stores for Development & Investment Company was founded in 2014 in and is headquartered in Riyadh, the Kingdom of Saudi Arabia.
Stock analysis
Al-Saif Stores for Development & Investment Company (4192) currently trades at 6.12 SAR, while our model-based Fair Value estimate is 2.85 SAR, implying the stock looks roughly 114.7% overvalued today.
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Valuation
Bull case: the DCF Models group reads highest at a median of 2.92 SAR per share, and 0 of the 22 models we run sit above the 6.12 SAR price.
Bear case: the Asset-Based group reads lowest at 0.9500 SAR, and 22 of the 22 models stay below the price. Evidence for this calculation is high.
Scenario range: 2.11 SAR (bear) to 3.78 SAR (bull), the price of 6.12 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 60/100 (solid quality), in the Consumer Cyclical sector.
Weak Growth: Revenue growth is weak: less than 2 % a year.
Al-Saif Stores for Development & Investment Company reported revenue of 759M SAR in FY2025 versus 825M SAR in FY2021, a compound −2.1%/yr. Reported net income was 58.0M SAR in FY2025, compounding −25.2%/yr from FY2021.
Key figures
Market cap 2.3B SAR (≈ $613M) · P/E ratio 34.0 · P/S ratio 2.60 · EPS (TTM) 0.1800 SAR · Dividend yield 1.0% · Net margin 7.6% · Return on equity 12.4% · Return on assets (EBIT) 12.9%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 48 out of 100 (low confidence).
What moves the price
The share trades about 13% below its 52-week high and 1% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Consumer Cyclical peers we cover trades at 1% fair-value upside, at −53%, 4192 screens richer than that median.
Fair Value models
Bear 2.11 SARFair Value 2.85 SARBull 3.78 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 9 months old). Earnings retained since then (0.0881 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.40/100
Revenue growth is weak: less than 2 % a year.
Revenue growth 1 year
+3.7%
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.
+0.9%
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.
−1.0%
Start year 2020 (pandemic)
Revenue growth 7 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.
+6.3%
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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. Basis: EBIT basis.
−16.0%
Earnings growth per share plus dividend.
Earnings per share, growth per year−17.0%
Dividend (yield on the price)1.0%
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.28% → 10%
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).
+18.8%
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 +16.4% a year for the price.
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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.Furnishings, Fixtures & Appliances · 317 stocks
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Cite: Fair Value Calculator (2026). "Al-Saif Stores for Development & Investment Company Fair Value". https://www.fairvalue-calculator.com/stock/4192
Frequently asked questions
Is Al-Saif Stores for Development & Investment Company (4192) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of 2.85 SAR versus a price of 6.12 SAR, about −53% upside (overvalued).
What is the fair value of 4192?
Our model-based fair value for Al-Saif Stores for Development & Investment Company is 2.85 SAR (as of Sep 24, 2026), built from audited fundamentals. The current price: 6.12 SAR.
What is the quality score of 4192?
Al-Saif Stores for Development & Investment Company has a Quality Score of 60/100. 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-Saif Stores for Development & Investment Company (4192)?
Our model-based price target is the fair value of 2.85 SAR (as of Sep 24, 2026) from 22 valuation models. Cautious scenario 2.11 SAR, optimistic scenario 3.78 SAR. It is a calculation from audited fundamentals, not an analyst target.
What is the Al-Saif Stores for Development & Investment Company stock forecast for 2026?
Our models put fair value at 2.85 SAR, about −53% upside versus a price of 6.12 SAR (overvalued). Cautious scenario 2.11 SAR, optimistic scenario 3.78 SAR. The calculation is refreshed regularly with new filings.
What is the revenue of Al-Saif Stores for Development & Investment Company (4192)?
Al-Saif Stores for Development & Investment Company reported trailing-twelve-month revenue of about 808M SAR (latest available figure, as of Sep 24, 2026).
Does Al-Saif Stores for Development & Investment Company pay a dividend?
Al-Saif Stores for Development & Investment Company currently shows a dividend yield of about 0.98% relative to its recent price (as of Sep 24, 2026).
What growth is priced into Al-Saif Stores for Development & Investment Company (4192)?
For today's price to be fair in a discounted-cash-flow model, Al-Saif Stores for Development & Investment Company would have to grow free cash flow by +18.8 % per year for five years (discount rate 10.3 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew -1.0 % per year. As of Sep 24, 2026.
What discount rate (WACC) does the fair value of 4192 use?
Our models discount Al-Saif Stores for Development & Investment Company at 10.3 %: a base by market capitalisation (small), damped by beta 0.16, 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-Saif Stores for Development & Investment Company that is +18.8 % per year a year over ten years, using the same discount rate (10.3 %) and the same formula as our fair value.
How much growth has Al-Saif Stores for Development & Investment Company (4192) delivered so far?
Over the past 5 years revenue at Al-Saif Stores for Development & Investment Company grew -1.0 % a year. The price currently implies +18.8 % 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-Saif Stores for Development & Investment Company (4192) growing?
The median revenue growth in the sector is +2.6 % a year. That is the yardstick for the growth priced into Al-Saif Stores for Development & Investment Company (+18.8 % 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-Saif Stores for Development & Investment Company (4192)?
The free-cash-flow yield on the price is 3.28 %: that much free cash flow Al-Saif Stores for Development & Investment Company produces per unit of market value. When it exceeds the discount rate of our models (10.3 %), 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-Saif Stores for Development & Investment Company (4192)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Al-Saif Stores for Development & Investment Company it is 2.85 SAR per share (as of Sep 24, 2026), against a price of 6.12 SAR. It is the blended result of 22 valuation models (cash flow, earnings, asset, dividend).
Is Al-Saif Stores for Development & Investment Company stock overvalued or undervalued in 2026?
As of Sep 24, 2026, 4192 trades above its calculated fair value: price 6.12 SAR, fair value 2.85 SAR, a gap of about −53% (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 4192?
No. The price is what the market pays today (6.12 SAR); the fair value is what the company's own numbers justify (2.85 SAR). For Al-Saif Stores for Development & Investment Company the two are 3.27 SAR per share apart. That gap is exactly why we show both numbers side by side.
How much is Al-Saif Stores for Development & Investment Company worth?
The market values Al-Saif Stores for Development & Investment Company at about 2.3B SAR (market capitalisation, as of Sep 24, 2026). Per share that is 6.12 SAR; our models calculate a fair value of 2.85 SAR per share.
What do the bullish and bearish scenarios say about 4192?
Our models span a range for Al-Saif Stores for Development & Investment Company: cautious scenario 2.11 SAR, base 2.85 SAR, optimistic 3.78 SAR per share (as of Sep 24, 2026, price 6.12 SAR). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 4192?
Al-Saif Stores for Development & Investment Company trades at a price-to-earnings ratio of 34.0 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 2.85 SAR is built from several models across several years. Excluding one-off items of fiscal year 2025 it is 36.0 (reported for FY2025: 31.5). Other multiples: P/B 1.2, P/S 0.8, EV/EBITDA 6.4.
How solid is the balance sheet of Al-Saif Stores for Development & Investment Company (4192)?
Balance-sheet figures for Al-Saif Stores for Development & Investment Company (as of Sep 24, 2026): return on equity 12.4%. They feed the Quality Score of 60/100, which measures business quality independently of the share price.
How far is 4192 from its 52-week high?
Al-Saif Stores for Development & Investment Company trades at 6.12 SAR, about 13% below its 52-week high of 7.04 SAR and 1% above the low of 6.08 SAR (as of Sep 24, 2026). Distance from the high says nothing about value: that is what the fair value of 2.85 SAR is for.
Which stocks are comparable to Al-Saif Stores for Development & Investment Company?
From the same area (Consumer Cyclical) we also value Midea Group, Gree Electric Appliances, Inc, Haier Smart Home Co, King Slide Works 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 Al-Saif Stores for Development & Investment Company stock attractive at the current price?
The data as of Sep 24, 2026: price 6.12 SAR, calculated fair value 2.85 SAR (−53%), Quality Score 60/100, from 22 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 4192 calculated?
We run Al-Saif Stores for Development & Investment Company through 22 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 2.85 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 13.0 % above its aggregate fair value. Al-Saif Stores for Development & Investment 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 Al-Saif Stores for Development & Investment Company (4192)?
The closing price on Sep 24, 2026 was 6.12 SAR. Our model-based fair value is 2.85 SAR, about −53% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Al-Saif Stores for Development & Investment Company right now?
The price sits above even our optimistic bull case (3.78 SAR). The favourable scenario is already priced in. Solid but not exceptional quality (60/100) and above fair value, neither a clear bargain nor a standout compounder.
Key figures of Al-Saif Stores for Development & Investment Company
How large is the market capitalisation of Al-Saif Stores for Development & Investment Company (4192)?
The market capitalisation of Al-Saif Stores for Development & Investment Company is 2.3B SAR (≈ $613M). 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-Saif Stores for Development & Investment Company (4192)?
The price-to-sales ratio of Al-Saif Stores for Development & Investment Company is 2.60 (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 Al-Saif Stores for Development & Investment Company (4192)?
Earnings per share at Al-Saif Stores for Development & Investment Company are 0.1800 SAR (price ÷ EPS = P/E 34.0). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Al-Saif Stores for Development & Investment Company (4192)?
The dividend yield of Al-Saif Stores for Development & Investment Company is 1.0% (payout 33.3%). 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 Al-Saif Stores for Development & Investment Company (4192)?
The net margin of Al-Saif Stores for Development & Investment Company is 7.6% (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 Al-Saif Stores for Development & Investment Company (4192)?
The return on equity (ROE) of Al-Saif Stores for Development & Investment Company is 12.4% (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-Saif Stores for Development & Investment Company (4192)?
On an EBIT basis the return on assets of Al-Saif Stores for Development & Investment Company is 12.9% (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-Saif Stores for Development & Investment Company (4192)?
The operating margin of Al-Saif Stores for Development & Investment Company is 2.2% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Al-Saif Stores for Development & Investment Company (4192)?
Revenue at Al-Saif Stores for Development & Investment Company is growing +3.8% versus a year earlier (3y avg +0.9%). 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-Saif Stores for Development & Investment Company (4192)?
Earnings per share at Al-Saif Stores for Development & Investment Company are growing +11.4% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does Al-Saif Stores for Development & Investment Company (4192) carry?
The net debt of Al-Saif Stores for Development & Investment Company is 340M SAR (fiscal year 2025, ≈ 5.0 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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