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9521 Fair Value & Analysis

Real Estate · Market cap 649M SAR

9 9521 9521 · SR
Price18.60 SAR
Fair Value33.74 SAR
Upside+81.4%
Quality55/100
Expensive Growth
Highly profitable · 56.3% net margin
generates free cash flow
Ranks above peers (10/13)
Wide moat 79/100
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Evidence: High Range 17.63 SAR – 42.17 SAR Share as image

Fair value as of: Jul 31, 2026

From 26 valuation models · updated today

Share price −9.9% over the past month.

What matters now

  • Solid quality (55/100) at a price below fair value, the discount is the argument here, not the business quality.
  • A fairly wide model range (17.63 SAR to 42.17 SAR) leaves room in how you read the outcome.
  • As a real-estate business, asset- and dividend-based methods carry more weight here than a standard DCF.

Price vs Fair Value (12 months)

25.64 SAR 18.60 SAR Fair Value 33.74 SAR Aug 2025 Jul 2026

12‑month range 18.60 SAR – 25.64 SAR · fair‑value band 17.63 SAR – 42.17 SAR · the 18.60 SAR price screens below the 33.74 SAR fair value. As of Jul 31, 2026.

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Analysis

9521 (9521) currently trades at 18.60 SAR, while our model-based Fair Value estimate is 33.74 SAR, implying the stock looks roughly 81.4% undervalued today. We read business quality at 55/100 (solid quality), in the Real Estate 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, 9521 generated revenue of 159M SAR at a net margin of 56.3%. Revenue grew 2.3% year over year. It earns a return on equity of 14.0%. Net debt stands at 144M SAR. Fundamentals as of Jul 31, 2026

Our scenario range runs from 17.63 SAR (bear case) to 42.17 SAR (bull case); at 18.60 SAR, the current price sits within that range. The share trades about 28% below its 52-week high and 1% above its 52-week low, currently below its 200-day average. For context, the median of 10 Real Estate peers we cover trades at 1% fair-value upside, at 81%, 9521 screens cheaper than that median.

Key figures & financial health

Revenue (TTM) 159M SAR
Revenue growth (YoY) +2.3%
Net margin 56.3%
Return on equity 14.0%
Free cash flow 24.3M SAR FY2025
P/E ratio 6.9
More key figures
Operating margin 58.3%
EPS (TTM) 2.68 SAR
EPS growth (YoY) -12.2%
Net debt 144M SAR FY2025

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

Quality Score breakdown

Overall quality 55/100
Profitability 49
Quality Growth 78
Cashflow 51
Fin. Strength 55
Investment 25
Low Volatility 64
Momentum 28
52W Momentum 9
Net Issuance 92

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.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

9521 reported revenue of 159M SAR in FY2025 versus 39.0M SAR in FY2021, a compound +42.1%/yr. Reported net income was 89.4M SAR in FY2025, compounding +40.1%/yr from FY2021.

Revenue +42.1%/yr
FY21 39.0M SAR
FY22 48.1M SAR
FY23 61.7M SAR
FY24 139M SAR
FY25 159M SAR
Net income +40.1%/yr
FY21 23.2M SAR
FY22 33.4M SAR
FY23 42.2M SAR
FY24 67.7M SAR
FY25 89.4M SAR

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Cite: Fair Value Calculator (2026). "9521 Fair Value". https://www.fairvalue-calculator.com/stock/9521

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 / 51
FUTURE 12 / 0
PAST 56 / 9
HEALTH 0 / 85
DIVIDEND 0 / 39

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 Real Estate - Development stocks, each showing price versus our Fair Value estimate (as of Jul 31, 2026).

Stock Price Fair Value vs Fair Value
Vinhomes Joint Stock Company VHM 146,800 VND 148,549 VND +1%
DLF Limited DLF ₹563.20 ₹215.17 -62%
Lodha Developers Limited LODHA ₹862.00 ₹721.45 -16%
PT Pantai Indah Kapuk Dua Tbk, PANI 6,325 IDR 1,330 IDR -79%
Oberoi Realty Limited OBEROIRLTY ₹1,633 ₹1,368 -16%
Godrej Properties Limited GODREJPROP ₹1,799 ₹1,034 -43%
PT Jaya Real Property, Tbk., JRPT 1,080 IDR 2,454 IDR +127%
PT Bumi Serpong Damai Tbk, BSDE 580.00 IDR 1,450 IDR +150%
PT Sentul City Tbk, BKSL 64.00 IDR 160.00 IDR +150%
PT Ciputra Development Tbk, CTRA 550.00 IDR 1,375 IDR +150%

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Frequently asked questions

Is 9521 overvalued or undervalued?
As of Jul 31, 2026, our model estimates a fair value of 33.74 SAR versus a price of 18.60 SAR, about +81% (undervalued).
What is the fair value of 9521?
Our model-based fair value for 9521 is 33.74 SAR (as of Jul 31, 2026), built from audited fundamentals. The current price is 18.60 SAR.
What is the quality score of 9521?
9521 has a Quality Score of 55/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.
What is the revenue of 9521?
9521 reported trailing-twelve-month revenue of about 159M SAR (latest available figure, as of Jul 31, 2026).
What is the net profit margin of 9521?
The net profit margin of 9521 is about 56.3%, meaning it keeps roughly 56.3% 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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