Rasan Information Technology Company (8313) fair value: what the stock is really worth
As of Sep 30, 2026: fair value of Rasan Information Technology Company SAR 33.59, price SAR 135, upside -75.1%, quality 82 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 Oct 1, 2026.
How to read this chart
28‑month range 37.00 SAR – 158.10 SAR · fair‑value band 21.17 SAR – 88.68 SAR · the 135.00 SAR price screens above the 33.59 SAR fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Oct 1, 2026.
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Rasan Information Technology Company, a financial technology company, provides insurance and financial services in the Kingdom of Saudi Arabia.
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Rasan Information Technology Company, a financial technology company, provides insurance and financial services in the Kingdom of Saudi Arabia. The company operates Tameeni, an online insurance aggregator; Treza, a technology enabler for banks, insurance companies, and intermediaries; Awal Mazad, an online auto auction platform; R2, a data analytics solution designed for insurance companies to enhance and streamline portfolio performance monitoring, pricing, reserving, and other activities; and R3, a data-driven tool designed for deep portfolio insights, real-time market intelligence, and decision-making for motor leasing companies. It also engages in computer systems and communication equipment software design; analysis and design of programs, databases, applications, and related services; vehicle auction, towing, and storage; electronic publishing; online wholesale; design and customization of program software, interface design, and user experience and application development; and digital finance brokerage activities. In addition, the company is involved in software maintenance and web page design, setting up web page hosting infrastructure, electronic insurance brokerage, online auto auction and leasing insurance, and SMS and website design. Rasan Information Technology Company was incorporated in 2016 and is headquartered in Riyadh, Saudi Arabia.
Stock analysis
Rasan Information Technology Company (8313) currently trades at 135.00 SAR, while our model-based Fair Value estimate is 33.59 SAR, 75.1% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Economic Profit group reads highest at a median of 31.77 SAR per share, and 0 of the 4 models we run sit above the 135.00 SAR price.
Bear case: the Asset-Based group reads lowest at 6.10 SAR, and 4 of the 4 models stay below the price. Evidence for this calculation is high.
Scenario range: 21.17 SAR (bear) to 88.68 SAR (bull), the price of 135.00 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 82/100 (high quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Rasan Information Technology Company reported revenue of 653M SAR in FY2025 versus 86.9M SAR in FY2021, a compound +65.6%/yr. Reported net income was 247M SAR in FY2025, compounding +62.6%/yr from FY2021.
Key figures
Market cap 10.2B SAR (≈ $2.7B) · P/E ratio 28.9 · P/S ratio 10.9 · EPS (TTM) 4.67 SAR · Net margin 37.8% · Return on equity 48.4% · Return on assets (EBIT) 23.1% · Operating margin 33.5%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 52 out of 100 (medium confidence).
What moves the price
The share trades about 15% below its 52-week high and 35% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −54% fair-value upside, at −75%, 8313 screens richer than that median.
Fair Value models
Bear 21.17 SARFair Value 33.59 SARBull 88.68 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 (3.51 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.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.100/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+82.3%
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.
+59.0%
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.
+72.0%
Start year 2020 (pandemic)
’20
’21
’22
’23
’24
’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.
≈ +69.0%
Earnings growth per share plus dividend.
Earnings per share, growth per year+69.0%
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.1% → 39%
⚠ Approximate: the rate leans on 2025, which sits 438% above its own trend.
Growth Forecast
Little optimism in the price
The price assumes less growth than the company has delivered so far and less 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).
+14.0%
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.
+24.9%
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 +11.7% a year for the price and +22.4% for the forecasts.
Compare Rasan Information Technology Company 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.Insurance Brokers · 36 stocks
Beats the industry median on 6/12 measures
A mixed picture versus its industry peers.
Valuation
Quality Score81 · Top 25%
Fair Value upside−75.1% · Bottom 25%
Profitability
Return on equity (TTM)48.4% · Top 25%
Return on assets20.4% · Top 25%
Net margin (TTM)40.2% · Top 25%
Operating margin (TTM)33.5% · Top 25%
Growth and dividend
Revenue growth75.3% · Top 25%
Valuation Multiplesvs Insurance Brokers median · lower = cheaper
P/E (TTM)28.9× · Pricier than median
P/B14.49× · Priciest 25%
P/S (TTM)11.54× · Priciest 25%
P/FCF30.6× · Priciest 25%
EV/EBITDA24.5× · Priciest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 0
FUTURE (revenue growth)100· sector 56
PAST (return on equity)100· sector 60
HEALTH (low debt)0· sector 84
DIVIDEND (yield)0· sector 93
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). "Rasan Information Technology Company Fair Value". https://www.fairvalue-calculator.com/stock/8313
Frequently asked questions
Is Rasan Information Technology Company (8313) overvalued or undervalued?
As of Oct 1, 2026, our model estimates a fair value of 33.59 SAR versus a price of 135.00 SAR, about −75% upside (overvalued).
What is the fair value of 8313?
Our model-based fair value for Rasan Information Technology Company is 33.59 SAR (as of Oct 1, 2026), built from audited fundamentals. The current price: 135.00 SAR.
What is the quality score of 8313?
Rasan Information Technology Company has a Quality Score of 82/100. 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 Rasan Information Technology Company (8313)?
Our model-based price target is the fair value of 33.59 SAR (as of Oct 1, 2026) from 4 valuation models. Cautious scenario 21.17 SAR, optimistic scenario 88.68 SAR. It is a calculation from audited fundamentals, not an analyst target.
What is the Rasan Information Technology Company stock forecast for 2026?
Our models put fair value at 33.59 SAR, about −75% upside versus a price of 135.00 SAR (overvalued). Cautious scenario 21.17 SAR, optimistic scenario 88.68 SAR. The calculation is refreshed regularly with new filings.
What is the revenue of Rasan Information Technology Company (8313)?
Rasan Information Technology Company reported trailing-twelve-month revenue of about 886M SAR (latest available figure, as of Oct 1, 2026).
What growth is priced into Rasan Information Technology Company (8313)?
For today's price to be fair in a discounted-cash-flow model, Rasan Information Technology Company would have to grow free cash flow by +14.0 % per year for five years (discount rate 9.0 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +72.0 % per year. As of Oct 1, 2026.
What discount rate (WACC) does the fair value of 8313 use?
Our models discount Rasan Information Technology Company at 9.0 %: a base by market capitalisation (mid), damped by beta 0.33, 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 Rasan Information Technology Company that is +14.0 % per year a year over ten years, using the same discount rate (9.0 %) and the same formula as our fair value.
How much growth has Rasan Information Technology Company (8313) delivered so far?
Over the past 5 years revenue at Rasan Information Technology Company grew +72.0 % a year. The price currently implies +14.0 % 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 Rasan Information Technology Company (8313) growing?
The median revenue growth in the sector is +4.6 % a year. That is the yardstick for the growth priced into Rasan Information Technology Company (+14.0 % 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 Rasan Information Technology Company (8313)?
The free-cash-flow yield on the price is 3.27 %: that much free cash flow Rasan Information Technology Company produces per unit of market value. When it exceeds the discount rate of our models (9.0 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Rasan Information Technology Company (8313)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Rasan Information Technology Company it is 33.59 SAR per share (as of Oct 1, 2026), against a price of 135.00 SAR. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is Rasan Information Technology Company stock overvalued or undervalued in 2026?
As of Oct 1, 2026, 8313 trades above its calculated fair value: price 135.00 SAR, fair value 33.59 SAR, a gap of about −75% (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 8313?
No. The price is what the market pays today (135.00 SAR); the fair value is what the company's own numbers justify (33.59 SAR). For Rasan Information Technology Company the two are 101.41 SAR per share apart. That gap is exactly why we show both numbers side by side.
How much is Rasan Information Technology Company worth?
The market values Rasan Information Technology Company at about 10.2B SAR (market capitalisation, as of Oct 1, 2026). Per share that is 135.00 SAR; our models calculate a fair value of 33.59 SAR per share.
What do the bullish and bearish scenarios say about 8313?
Our models span a range for Rasan Information Technology Company: cautious scenario 21.17 SAR, base 33.59 SAR, optimistic 88.68 SAR per share (as of Oct 1, 2026, price 135.00 SAR). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 8313?
Rasan Information Technology Company trades at a price-to-earnings ratio of 28.9 (as of Oct 1, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 33.59 SAR is built from several models across several years. Other multiples: P/B 14.5, P/S 11.5, EV/EBITDA 24.5.
How solid is the balance sheet of Rasan Information Technology Company (8313)?
Balance-sheet figures for Rasan Information Technology Company (as of Oct 1, 2026): return on equity 48.4%. They feed the Quality Score of 82/100, which measures business quality independently of the share price.
How far is 8313 from its 52-week high?
Rasan Information Technology Company trades at 135.00 SAR, about 15% below its 52-week high of 158.10 SAR and 35% above the low of 100.20 SAR (as of Sep 30, 2026). Distance from the high says nothing about value: that is what the fair value of 33.59 SAR is for.
Which stocks are comparable to Rasan Information Technology Company?
From the same area (Financial Services) we also value Marsh & McLennan Companies, Inc, Arthur J. Gallagher & Co, Aon plc, Willis Towers Watson Public Limited, 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 Rasan Information Technology Company stock attractive at the current price?
The data as of Oct 1, 2026: price 135.00 SAR, calculated fair value 33.59 SAR (−75%), Quality Score 82/100, from 4 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 8313 calculated?
We run Rasan Information Technology Company through 4 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 33.59 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 14.7 % above its aggregate fair value. Rasan Information Technology 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 Rasan Information Technology Company (8313)?
The closing price on Sep 30, 2026 was 135.00 SAR. Our model-based fair value is 33.59 SAR, about −75% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Rasan Information Technology Company right now?
A high-quality business (quality 82/100), 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 (88.68 SAR). The favourable scenario is already priced in. The model range is unusually wide (21.17 SAR to 88.68 SAR). The outcome hinges heavily on assumptions, so read the point estimate with caution. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Rasan Information Technology Company
How large is the market capitalisation of Rasan Information Technology Company (8313)?
The market capitalisation of Rasan Information Technology Company is 10.2B SAR (≈ $2.7B). 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 Rasan Information Technology Company (8313)?
The price-to-sales ratio of Rasan Information Technology Company is 10.9 (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 Rasan Information Technology Company (8313)?
Earnings per share at Rasan Information Technology Company are 4.67 SAR (price ÷ EPS = P/E 28.9). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Rasan Information Technology Company (8313)?
The net margin of Rasan Information Technology Company is 37.8% (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 Rasan Information Technology Company (8313)?
The return on equity (ROE) of Rasan Information Technology Company is 48.4% (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 Rasan Information Technology Company (8313)?
On an EBIT basis the return on assets of Rasan Information Technology Company is 23.1% (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 Rasan Information Technology Company (8313)?
The operating margin of Rasan Information Technology Company is 33.5% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Rasan Information Technology Company (8313)?
Revenue at Rasan Information Technology Company is growing +75.3% versus a year earlier (3y avg +59.0%). 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 Rasan Information Technology Company (8313)?
Earnings per share at Rasan Information Technology Company are growing +112% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net cash does Rasan Information Technology Company (8313) hold?
Rasan Information Technology Company holds more cash than debt, 735M SAR net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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