Riyal Investment and Development (9584) fair value: what the stock is really worth
As of Oct 28, 2026: fair value (intrinsic value) of Riyal Investment and Development stock SAR 28.33, price SAR 11.55, upside +145.3%, quality 55 out of 100. Rating: strongly undervalued. 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. As of Oct 30, 2026.
How to read this chart
36‑month range 10.50 SAR – 29.38 SAR · fair‑value band 18.64 SAR – 38.03 SAR · the 11.55 SAR price screens below the 28.33 SAR fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Oct 30, 2026.
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Riyal Investment and Development Company operates as a car rental company in the Kingdom of Saudi Arabia. It also leases vehicles, including sedans, SUVs, and commercial vehicles.
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The company provides leasing of vehicles and buses, trading activities, export, import, brokerage, and marketing for others in non-money exchange business; establishes and operates workshops for vehicles, equipment, wholesale and retail sales; and exports and imports in vehicles spare parts and wheels.
The company services the sectors of oil, energy, construction & contracting, healthcare & pharmaceutical, delivery, logistics & courier, government & semi-government, retail, food industry, real estate & facility management, manufacturing & industrial, and catering.
The company was incorporated in 1993 and is headquartered in Dammam, Saudi Arabia.
Stock analysis
Riyal Investment and Development (9584) currently trades at 11.55 SAR, while our model-based Fair Value estimate is 28.33 SAR, implying the stock looks roughly 59.2% undervalued today.
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Valuation
Bull case: the DCF Models group reads highest at a median of 99.10 SAR per share, and 21 of the 25 models we run sit above the 11.55 SAR price.
Bear case: the Dividend Discount group reads lowest at 5.86 SAR, and 4 of the 25 models stay below the price. Data coverage for this calculation is high.
Scenario range: 18.64 SAR (bear) to 38.03 SAR (bull), the price of 11.55 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 55/100 (solid quality), in the Industrials sector.
Weak Growth: Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Riyal Investment and Development reported revenue of 144M SAR in FY2025 versus 103M SAR in FY2021, a compound +8.6%/yr. Reported net income was 5.8M SAR in FY2025, compounding −33.5%/yr from FY2021.
Key figures
Market cap 92.3M SAR (≈ $24.6M) Micro · P/E ratio 82.5 · P/S ratio 0.64 · EPS (TTM) 0.1400 SAR · Dividend yield 4.3% · Net margin 0.7% · Return on equity 0.6% · Return on assets (EBIT) 9.4%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 33 out of 100 (low confidence).
What moves the price
The share trades about 39% below its 52-week high and 10% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Industrials peers we cover trades at 5% fair-value upside, at 145%, 9584 screens cheaper than that median.
Fair Value models
Bear18.64 SARFair Value 28.33 SARBull38.03 SAR
Price 11.55 SAR · Upside +145.3%
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 (0.1162 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.40/100
Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Revenue growth 1 year
+2.5%
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.
−8.8%
’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. Basis: EBIT basis.
−20.7%
Earnings growth per share plus dividend.
Earnings per share, growth per year−25.0%
Dividend (yield on the price)4.3%
Profit margin 2021 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.28% → 14%
Compare Riyal Investment and Development with another stock
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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 · 86 stocks
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Cite: Fair Value Calculator (2026). "Riyal Investment and Development Fair Value". https://www.fairvalue-calculator.com/stock/9584
Frequently asked questions
Is Riyal Investment and Development (9584) overvalued or undervalued?
As of Oct 30, 2026, our model estimates a fair value of 28.33 SAR versus a price of 11.55 SAR, about +145% upside (undervalued).
What is the fair value of 9584?
Our model-based fair value for Riyal Investment and Development is 28.33 SAR (as of Oct 30, 2026), built from audited fundamentals. The current price: 11.55 SAR.
What is the quality score of 9584?
Riyal Investment and Development has a Quality Score of 55/100. 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 Riyal Investment and Development (9584)?
Our model-based price target is the fair value of 28.33 SAR (as of Oct 30, 2026) from 25 valuation models. Cautious scenario 18.64 SAR, optimistic scenario 38.03 SAR. It is a calculation from audited fundamentals, not an analyst target.
What is the Riyal Investment and Development stock forecast for 2026?
Our models put fair value at 28.33 SAR, about +145% upside versus a price of 11.55 SAR (undervalued). Cautious scenario 18.64 SAR, optimistic scenario 38.03 SAR. The calculation is refreshed regularly with new filings.
What is the revenue of Riyal Investment and Development (9584)?
Riyal Investment and Development reported trailing-twelve-month revenue of about 145M SAR (latest available figure, as of Oct 30, 2026).
Does Riyal Investment and Development pay a dividend?
Riyal Investment and Development currently shows a dividend yield of 4.33% relative to its recent price (as of Oct 30, 2026).
What is the intrinsic value of Riyal Investment and Development (9584)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Riyal Investment and Development it is 28.33 SAR per share (as of Oct 30, 2026), against a price of 11.55 SAR. It is the blended result of 25 valuation models (cash flow, earnings, asset, dividend).
Is Riyal Investment and Development stock overvalued or undervalued in 2026?
As of Oct 30, 2026, 9584 trades below its calculated fair value: price 11.55 SAR, fair value 28.33 SAR, a gap of about +145% (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 9584?
No. The price is what the market pays today (11.55 SAR); the fair value is what the company's own numbers justify (28.33 SAR). For Riyal Investment and Development the two are 16.78 SAR per share apart. That gap is exactly why we show both numbers side by side.
How much is Riyal Investment and Development worth?
The market values Riyal Investment and Development at about 92.3M SAR (market capitalisation, as of Oct 30, 2026). Per share that is 11.55 SAR; our models calculate a fair value of 28.33 SAR per share.
What do the bullish and bearish scenarios say about 9584?
Our models span a range for Riyal Investment and Development: cautious scenario 18.64 SAR, base 28.33 SAR, optimistic 38.03 SAR per share (as of Oct 30, 2026, price 11.55 SAR). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 9584?
Riyal Investment and Development trades at a price-to-earnings ratio of 82.5 (as of Oct 30, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 28.33 SAR is built from several models across several years. Other multiples: P/B 0.6, P/S 0.6, EV/EBITDA 3.1.
How solid is the balance sheet of Riyal Investment and Development (9584)?
Balance-sheet figures for Riyal Investment and Development (as of Oct 30, 2026): return on equity 0.6%, debt of 0.10 per unit of equity. They feed the Quality Score of 55/100, which measures business quality independently of the share price.
How far is 9584 from its 52-week high?
Riyal Investment and Development trades at 11.55 SAR, about 39% below its 52-week high of 19.00 SAR and 10% above the low of 10.50 SAR (as of Oct 28, 2026). Distance from the high says nothing about value: that is what the fair value of 28.33 SAR is for.
Which stocks are comparable to Riyal Investment and Development?
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 Riyal Investment and Development stock attractive at the current price?
The data as of Oct 30, 2026: price 11.55 SAR, calculated fair value 28.33 SAR (+145%), Quality Score 55/100, from 25 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 9584 calculated?
We run Riyal Investment and Development through 25 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 28.33 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 13.1 % above its aggregate fair value. Riyal Investment and Development currently trades 59 % 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 Riyal Investment and Development (9584)?
The closing price on Oct 28, 2026 was 11.55 SAR. Our model-based fair value is 28.33 SAR, about +145% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Riyal Investment and Development right now?
The price is below even our cautious bear case (18.64 SAR). The market is more pessimistic than our downside scenario. 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 (18.64 SAR to 38.03 SAR) leaves room in how you read the outcome.
Key figures of Riyal Investment and Development
How large is the market capitalisation of Riyal Investment and Development (9584)?
The market capitalisation of Riyal Investment and Development is 92.3M SAR (≈ $24.6M). 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 Riyal Investment and Development (9584)?
The price-to-sales ratio of Riyal Investment and Development is 0.64 (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 Riyal Investment and Development (9584)?
Earnings per share at Riyal Investment and Development are 0.1400 SAR (price ÷ EPS = P/E 82.5). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Riyal Investment and Development (9584)?
The dividend yield of Riyal Investment and Development is 4.3%. Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Riyal Investment and Development (9584)?
The net margin of Riyal Investment and Development is 0.7% (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 Riyal Investment and Development (9584)?
The return on equity (ROE) of Riyal Investment and Development is 0.6% (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 Riyal Investment and Development (9584)?
On an EBIT basis the return on assets of Riyal Investment and Development is 9.4% (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 Riyal Investment and Development (9584)?
The operating margin of Riyal Investment and Development is 11.6% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Riyal Investment and Development (9584)?
Revenue at Riyal Investment and Development is growing +2.1% versus a year earlier (3y avg −8.8%). 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 Riyal Investment and Development (9584)?
Earnings per share at Riyal Investment and Development are growing −85.5% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Riyal Investment and Development (9584) generate?
The free cash flow of Riyal Investment and Development is 84.3M SAR (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Riyal Investment and Development (9584) carry?
The net debt of Riyal Investment and Development is 31.9M SAR (fiscal year 2025, ≈ 0.4 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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Broad data
Oct 30, 2026