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Lumi Rental Company (4262) Fair Value & Analysis

Industrials · SA · Market cap 1.6B SAR

LR Lumi Rental Company 4262 · SR
Price28.08 SAR
Fair Value61.23 SAR
Upside+118.1%
Quality39/100
Expensive Growth
Solidly profitable · 11.4% net margin
Moderate debt · generates free cash flow
Ranks above peers (10/13)
Moderate moat 54/100
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Evidence: High Range 32.80 SAR – 76.54 SAR Share as image

Fair value as of: Jul 31, 2026

From 23 valuation models · updated today

Share price −14.1% over the past month.

What matters now

  • The large discount to fair value meets weak quality (39/100). That raises the risk this is a value trap rather than a bargain.
  • The price is below even our cautious bear case (32.80 SAR). The market is more pessimistic than our downside scenario.
  • A fairly wide model range (32.80 SAR to 76.54 SAR) leaves room in how you read the outcome.

Price vs Fair Value (12 months)

64.65 SAR 28.08 SAR Fair Value 61.23 SAR Aug 2025 Jul 2026

12‑month range 28.08 SAR – 64.65 SAR · fair‑value band 32.80 SAR – 76.54 SAR · the 28.08 SAR price screens below the 61.23 SAR fair value. As of Jul 31, 2026.

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Analysis

Lumi Rental Company (4262) currently trades at 28.08 SAR, while our model-based Fair Value estimate is 61.23 SAR, implying the stock looks roughly 118.1% undervalued today. We read business quality at 39/100 (below-average quality), in the Industrials sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.

Over the trailing twelve months, Lumi Rental Company generated revenue of 1.6B SAR at a net margin of 11.4%. Revenue declined 11.1% year over year. It earns a return on equity of 13.6%. Net debt stands at 1.6B SAR. Fundamentals as of Jul 31, 2026

Our scenario range runs from 32.80 SAR (bear case) to 76.54 SAR (bull case); at 28.08 SAR, the current price sits below that range. The share trades about 57% below its 52-week high and 1% above its 52-week low, currently below its 200-day average. For context, the median of 10 Industrials peers we cover trades at -42% fair-value upside, at 118%, 4262 screens cheaper than that median.

Key figures & financial health

Revenue (TTM) 1.6B SAR
Revenue growth (YoY) -11.1%
Net margin 11.4%
Return on equity 13.6%
Free cash flow 138M SAR FY2025
P/E ratio 8.4
More key figures
Operating margin 18.0%
EPS (TTM) 3.36 SAR
EPS growth (YoY) -24.7%
Net debt 1.6B SAR FY2025

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

Quality Score breakdown

Overall quality 39/100
Profitability 37
Quality Growth 43
Cashflow 61
Fin. Strength 27
Investment 2
Low Volatility 89
Momentum 5
52W Momentum 0
Net Issuance 81

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

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.

Full company description

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. 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.

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

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

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.

Revenue +33.2%/yr
FY21 521M SAR
FY22 783M SAR
FY23 1.1B SAR
FY24 1.5B SAR
FY25 1.6B SAR
Net income +16.9%/yr
FY21 106M SAR
FY22 144M SAR
FY23 161M SAR
FY24 180M SAR
FY25 198M SAR

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Cite: Fair Value Calculator (2026). "Lumi Rental Company Fair Value". https://www.fairvalue-calculator.com/stock/4262

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 100 / 53
FUTURE 0 / 21
PAST 55 / 26
HEALTH 71 / 68
DIVIDEND 0 / 34

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.

Similar stocks

10 more Rental & Leasing Services stocks, each showing price versus our Fair Value estimate (as of Jul 31, 2026).

Stock Price Fair Value vs Fair Value
United Rentals, Inc URI $1,093 $378.08 -65%
Sunbelt Rentals Holdings SUNB $75.41 $44.77 -41%
AerCap Holdings AER $135.07 $301.51 +123%
U-Haul Holding UHAL $61.15 $27.24 -55%
Ayvens ALLDF $14.00 $15.71 +12%
Ryder System, Inc R $265.22 $154.15 -42%
Localiza Rent a Car S.A RENT3 R$39.12 R$38.91 -1%
Element Fleet Management Corp EFN C$26.06 C$13.30 -49%
BOC Aviation Limited 2588 HK$79.55 HK$18.61 -77%
Avis Budget Group CAR 3,074 MXN 827.94 MXN -73%

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Frequently asked questions

Is Lumi Rental Company (4262) overvalued or undervalued?
As of Jul 31, 2026, our model estimates a fair value of 61.23 SAR versus a price of 28.08 SAR, about +118% (undervalued).
What is the fair value of 4262?
Our model-based fair value for Lumi Rental Company is 61.23 SAR (as of Jul 31, 2026), built from audited fundamentals. The current price is 28.08 SAR.
What is the quality score of 4262?
Lumi Rental Company has a Quality Score of 39/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.
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 Jul 31, 2026).
What is the net profit margin of 4262?
The net profit margin of Lumi Rental Company is about 11.4%, meaning it keeps roughly 11.4% of revenue as net income. Based on the latest reported figures.

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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