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Al-Saif Stores for Development & Investment Company (4192) Fair Value & Analysis

Consumer Cyclical · SA · Market cap 2.3B SAR

AS Al-Saif Stores for Development & Investment Company 4192 · SR
Price6.58 SAR
Fair Value2.86 SAR
Upside-56.5%
Quality59/100
Weak Growth
Thin margins · 7.6% net margin
generates free cash flow
0.92% dividend yield
Mixed vs. peers (6/13)
Narrow moat 37/100
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Evidence: High Range 2.11 SAR – 3.81 SAR Share as image

Fair value as of: Jul 31, 2026

From 24 valuation models · updated today

Share price −3.7% over the past month.

What matters now

  • The price sits above even our optimistic bull case (3.81 SAR). The favourable scenario is already priced in.
  • Solid but not exceptional quality (59/100) and above fair value, neither a clear bargain nor a standout compounder.
  • A fairly wide model range (2.11 SAR to 3.81 SAR) leaves room in how you read the outcome.

Price vs Fair Value (12 months)

7.04 SAR 6.08 SAR Fair Value 2.86 SAR Aug 2025 Jul 2026

12‑month range 6.08 SAR – 7.04 SAR · fair‑value band 2.11 SAR – 3.81 SAR · the 6.58 SAR price screens above the 2.86 SAR fair value. As of Jul 31, 2026.

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Analysis

Al-Saif Stores for Development & Investment Company (4192) currently trades at 6.58 SAR, while our model-based Fair Value estimate is 2.86 SAR, implying the stock looks roughly 56.5% overvalued today. We read business quality at 59/100 (solid quality), in the Consumer Cyclical sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: high).

Over the trailing twelve months, Al-Saif Stores for Development & Investment Company generated revenue of 808M SAR at a net margin of 7.6%. Revenue grew 3.8% year over year. It earns a return on equity of 12.4%. Net debt stands at 340M SAR. Fundamentals as of Jul 31, 2026

Our scenario range runs from 2.11 SAR (bear case) to 3.81 SAR (bull case); at 6.58 SAR, the current price sits above that range. The share trades about 7% below its 52-week high and 9% above its 52-week low, currently below its 200-day average. For context, the median of 10 Consumer Cyclical peers we cover trades at 36% fair-value upside, at -57%, 4192 screens richer than that median.

Key figures & financial health

Revenue (TTM) 808M SAR
Revenue growth (YoY) +3.8%
Net margin 7.6%
Return on equity 12.4%
Free cash flow 68.5M SAR FY2025
P/E ratio 36.6
More key figures
Operating margin 2.2%
EPS (TTM) 0.1800 SAR
Dividend yield 0.9%
EPS growth (YoY) +11.4%
Net debt 340M SAR FY2025

Figures from reported company fundamentals · as of Jul 31, 2026. TTM = trailing twelve months.

Quality Score breakdown

Overall quality 59/100
Profitability 50
Quality Growth 59
Cashflow 59
Fin. Strength 68
Investment 78
Low Volatility 100
Momentum 42
52W Momentum 40
Net Issuance 50

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

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.

Full company description

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.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

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.

Revenue −2.1%/yr
FY21 825M SAR
FY22 739M SAR
FY23 720M SAR
FY24 732M SAR
FY25 759M SAR
Net income −25.2%/yr
FY21 185M SAR
FY22 130M SAR
FY23 98.2M SAR
FY24 37.5M SAR
FY25 58.0M SAR

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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

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.

VALUE 0 / 20
FUTURE 19 / 0
PAST 50 / 18
HEALTH 0 / 97
DIVIDEND 18 / 54

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

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Frequently asked questions

Is Al-Saif Stores for Development & Investment Company (4192) overvalued or undervalued?
As of Jul 31, 2026, our model estimates a fair value of 2.86 SAR versus a price of 6.58 SAR, about −57% (overvalued).
What is the fair value of 4192?
Our model-based fair value for Al-Saif Stores for Development & Investment Company is 2.86 SAR (as of Jul 31, 2026), built from audited fundamentals. The current price is 6.58 SAR.
What is the quality score of 4192?
Al-Saif Stores for Development & Investment Company has a Quality Score of 59/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.
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 Jul 31, 2026).
What is the net profit margin of 4192?
The net profit margin of Al-Saif Stores for Development & Investment Company is about 7.6%, meaning it keeps roughly 7.6% of revenue as net income. Based on the latest reported figures.
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 0.92% relative to its recent price (as of Jul 31, 2026).

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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