Lumi Rental Company (4262) fair value: what the stock is really worth
As of Oct 28, 2026: fair value (intrinsic value) of Lumi Rental Company stock SAR 61.23, price SAR 20.41, upside +200.0%, quality 41 out of 100. Rating: strongly undervalued. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Cheap, value-trap riskFair value well above the price, but weak quality and a downtrend.Plus: Even on cautious assumptions the value is 50% above the price (30.61 SAR).
The stock costs 67% less than our calculation considers fair.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Oct 27, 2026.
How to read this chart
37‑month range 18.70 SAR – 123.00 SAR · fair‑value band 30.61 SAR – 102.55 SAR · the 20.41 SAR price screens below the 61.23 SAR fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Oct 27, 2026.
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Lumi Rental Company operates as a car rental and leasing company in Saudi Arabia. It operates through three segments: Leasing, Rental, and Used Car Sale.
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The company offers smart vehicle and motorcycle rental services; leasing solutions for corporate and government clients; and limousine services and customized transportation packages for events and occasions. It is also involved in the sale of used vehicles, as well as offers bus rental services.
It operates through branches, workshops, showrooms, and parking yards. The company was formerly known as Al Tayyar Rent a Car Limited and changed its name to Lumi Rental Company in 2019. Lumi Rental Company was incorporated in 2007 and is based in Riyadh, Saudi Arabia.
Lumi Rental Company is a subsidiary of Seera Holding Group.
Stock analysis
Lumi Rental Company (4262) currently trades at 20.41 SAR, while our model-based Fair Value estimate is 61.23 SAR, implying the stock looks roughly 66.7% undervalued today.
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Valuation
Bull case: the Growth Earnings group reads highest at a median of 162.74 SAR per share, and 22 of the 23 models we run sit above the 20.41 SAR price.
Bear case: the Asset-Based group reads lowest at 16.93 SAR, and 1 of the 23 models stay below the price. Data coverage for this calculation is low.
Scenario range: 30.61 SAR (bear) to 102.55 SAR (bull), the price of 20.41 SAR sits below 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 41/100 (below-average quality), in the Industrials sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Lumi Rental Company reported revenue of 1.6B SAR in FY2025 versus 521M SAR in FY2021, a compound +33.2%/yr. Reported net income was 198M SAR in FY2025, compounding +16.9%/yr from FY2021.
Key figures
Market cap 1.1B SAR (≈ $299M) Micro · P/E ratio 7.9 · P/S ratio 0.70 · EPS (TTM) 2.57 SAR · Net margin 8.8% · Return on equity 10.2% · Return on assets (EBIT) 8.3% · Operating margin 9.2%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 45 out of 100 (low confidence).
What moves the price
The share trades about 67% below its 52-week high and 9% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Industrials peers we cover trades at −17% fair-value upside, at 200%, 4262 screens cheaper than that median.
Fair Value models
Bear30.61 SARFair Value 61.23 SARBull102.55 SAR
Price 20.41 SAR · Upside +200.0%
Capped: our models arrive at a very high value here. We deliberately show a more cautious Fair Value.
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 (2.13 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.62/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+5.9%
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.
+28.0%
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.
+30.7%
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.
+37.4%
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’25
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.
+31.5%
Earnings growth per share plus dividend.
Earnings per share, growth per year+31.5%
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.13% → 17%
Growth Forecast
A lot of optimism in the price
The price assumes less growth than the company has delivered so far and more than analysts expect.
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).
+13.5%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect ⓘAnalysts publish sales forecasts for the next two fiscal years. For the years after that, growth slows evenly to 2 % a year by year ten (2 % is the long-run rate our models use). Projected years are marked as such.
+3.4%
Yearly sales growth analysts expect, extended to five years.
After inflation (Saudi Arabia: IMF forecast 2.1% a year to 2030, 1.7% from 2016 to 2025) that is about +11.2% a year for the price and +1.3% for the forecasts.
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.Rental & Leasing Services · 89 stocks
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Cite: Fair Value Calculator (2026). "Lumi Rental Company Fair Value". https://www.fairvalue-calculator.com/stock/4262
Frequently asked questions
Is Lumi Rental Company (4262) overvalued or undervalued?
As of Oct 27, 2026, our model estimates a fair value of 61.23 SAR versus a price of 20.41 SAR, about +200% upside (undervalued).
What is the fair value of 4262?
Our model-based fair value for Lumi Rental Company is 61.23 SAR (as of Oct 27, 2026), built from audited fundamentals. The current price: 20.41 SAR.
What is the quality score of 4262?
Lumi Rental Company has a Quality Score of 41/100. 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 Lumi Rental Company (4262)?
Our model-based price target is the fair value of 61.23 SAR (as of Oct 27, 2026) from 23 valuation models. Cautious scenario 30.61 SAR, optimistic scenario 102.55 SAR. It is a calculation from audited fundamentals, not an analyst target.
What is the Lumi Rental Company stock forecast for 2026?
Our models put fair value at 61.23 SAR, about +200% upside versus a price of 20.41 SAR (undervalued). Cautious scenario 30.61 SAR, optimistic scenario 102.55 SAR. The calculation is refreshed regularly with new filings.
What is the revenue of Lumi Rental Company (4262)?
Lumi Rental Company reported trailing-twelve-month revenue of about 1.6B SAR (latest available figure, as of Oct 27, 2026).
What growth is priced into Lumi Rental Company (4262)?
For today's price to be fair in a discounted-cash-flow model, Lumi Rental Company would have to grow free cash flow by +13.5 % 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 +30.7 % per year. As of Oct 27, 2026.
What discount rate (WACC) does the fair value of 4262 use?
Our models discount Lumi Rental Company at 11.8 %: a base by market capitalisation (micro), damped by beta 0.25, 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 Lumi Rental Company that is +13.5 % 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 Lumi Rental Company (4262) delivered so far?
Over the past 5 years revenue at Lumi Rental Company grew +30.7 % a year. The price currently implies +13.5 % 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 Lumi Rental Company (4262) growing?
The median revenue growth in the sector is +7.8 % a year. That is the yardstick for the growth priced into Lumi Rental Company (+13.5 % 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 Lumi Rental Company (4262)?
The free-cash-flow yield on the price is 12.26 %: that much free cash flow Lumi Rental Company 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 Lumi Rental Company (4262)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Lumi Rental Company it is 61.23 SAR per share (as of Oct 27, 2026), against a price of 20.41 SAR. It is the blended result of 23 valuation models (cash flow, earnings, asset, dividend).
Is Lumi Rental Company stock overvalued or undervalued in 2026?
As of Oct 27, 2026, 4262 trades below its calculated fair value: price 20.41 SAR, fair value 61.23 SAR, a gap of about +200% (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 4262?
No. The price is what the market pays today (20.41 SAR); the fair value is what the company's own numbers justify (61.23 SAR). For Lumi Rental Company the two are 40.82 SAR per share apart. That gap is exactly why we show both numbers side by side.
How much is Lumi Rental Company worth?
The market values Lumi Rental Company at about 1.1B SAR (market capitalisation, as of Oct 27, 2026). Per share that is 20.41 SAR; our models calculate a fair value of 61.23 SAR per share.
What do the bullish and bearish scenarios say about 4262?
Our models span a range for Lumi Rental Company: cautious scenario 30.61 SAR, base 61.23 SAR, optimistic 102.55 SAR per share (as of Oct 27, 2026, price 20.41 SAR). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 4262?
Lumi Rental Company trades at a price-to-earnings ratio of 7.9 (as of Oct 27, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 61.23 SAR is built from several models across several years. Other multiples: P/B 0.8, P/S 0.7, EV/EBITDA 7.2.
How solid is the balance sheet of Lumi Rental Company (4262)?
Balance-sheet figures for Lumi Rental Company (as of Oct 27, 2026): return on equity 10.2%, debt of 0.58 per unit of equity. They feed the Quality Score of 41/100, which measures business quality independently of the share price.
How far is 4262 from its 52-week high?
Lumi Rental Company trades at 20.41 SAR, about 67% below its 52-week high of 62.45 SAR and 9% above the low of 18.70 SAR (as of Oct 28, 2026). Distance from the high says nothing about value: that is what the fair value of 61.23 SAR is for.
Which stocks are comparable to Lumi Rental Company?
From the same area (Industrials) we also value United Rentals, Inc, Sunbelt Rentals Holdings, AerCap Holdings, U-Haul Holding, 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 Lumi Rental Company stock attractive at the current price?
The data as of Oct 27, 2026: price 20.41 SAR, calculated fair value 61.23 SAR (+200%), Quality Score 41/100, from 23 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 4262 calculated?
We run Lumi Rental Company through 23 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 61.23 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. Lumi Rental Company currently trades 67 % 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 is the share price of Lumi Rental Company (4262)?
The closing price on Oct 28, 2026 was 20.41 SAR. Our model-based fair value is 61.23 SAR, about +200% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Lumi Rental Company right now?
The large discount to fair value meets weak quality (41/100). That raises the risk this is a value trap rather than a bargain. The price is below even our cautious bear case (30.61 SAR). The market is more pessimistic than our downside scenario. The model range is unusually wide (30.61 SAR to 102.55 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 Lumi Rental Company
How large is the market capitalisation of Lumi Rental Company (4262)?
The market capitalisation of Lumi Rental Company is 1.1B SAR (≈ $299M). 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 Lumi Rental Company (4262)?
The price-to-sales ratio of Lumi Rental Company is 0.70 (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 Lumi Rental Company (4262)?
Earnings per share at Lumi Rental Company are 2.57 SAR (price ÷ EPS = P/E 7.9). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Lumi Rental Company (4262)?
The net margin of Lumi Rental Company is 8.8% (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 Lumi Rental Company (4262)?
The return on equity (ROE) of Lumi Rental Company is 10.2% (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 Lumi Rental Company (4262)?
On an EBIT basis the return on assets of Lumi Rental Company is 8.3% (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 Lumi Rental Company (4262)?
The operating margin of Lumi Rental Company is 9.2% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Lumi Rental Company (4262)?
Revenue at Lumi Rental Company is growing −5.2% versus a year earlier (3y avg +28.0%). 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 Lumi Rental Company (4262)?
Earnings per share at Lumi Rental Company are growing −80.1% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does Lumi Rental Company (4262) carry?
The net debt of Lumi Rental Company is 1.6B SAR (fiscal year 2025, ≈ 11.4 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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Thin data
Oct 27, 2026