Quara Finance Company (9596) fair value: what the stock is really worth
We calculate from audited financials what Quara Finance Company is really worth. The fair value tells you whether the price is too high or too low, the quality score (0 to 100) how solid the business behind it is. 26 models, 37 quality factors, updated daily.
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Quara Finance Company provides financing services in Saudi Arabia. It operates through Retail and SME Financing segments. The Retail segment provides digital loans and invoice loans. The SME Financing segment offers term loans to small and medium enterprises. It also provides lease, consumer, and small and medium enterprise finance services.
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Quara Finance Company provides financing services in Saudi Arabia. It operates through Retail and SME Financing segments. The Retail segment provides digital loans and invoice loans. The SME Financing segment offers term loans to small and medium enterprises. It also provides lease, consumer, and small and medium enterprise finance services. The company was formerly known as Maalem Financing Company and changed its name to Quara Finance Company in January 2021. Quara Finance Company was incorporated in 2009 and is based in Riyadh, Saudi Arabia.
Stock analysis
Quara Finance Company (9596) currently trades at 15.84 SAR, while our model-based Fair Value estimate is 9.09 SAR, implying the stock looks roughly 74.2% overvalued today.
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Valuation
Bull case: the Asset-Based group reads highest at a median of 10.44 SAR per share, and 0 of the 7 models we run sit above the 15.84 SAR price.
Bear case: the DCF Models group reads lowest at 2.66 SAR, and 7 of the 7 models stay below the price. Evidence for this calculation is medium.
Quality & growth
The Quality Score stands at 50/100 (solid quality), in the Financial Services sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Quara Finance Company reported revenue of 265M SAR in FY2025 versus 182M SAR in FY2021, a compound +9.8%/yr. Reported net income was 8.1M SAR in FY2025, compounding −34.4%/yr from FY2021.
Key figures
Market cap 475M SAR (≈ $127M) · P/E ratio 52.8 · P/S ratio 1.62 · EPS (TTM) 0.3000 SAR · Net margin 3.1% · Return on equity 2.0% · Return on assets (EBIT) 6.6% · Operating margin 22.9%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 42 out of 100 (medium confidence).
What moves the price
The share trades about 14% below its 52-week high and 8% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −39% fair-value upside, at −43%, 9596 screens richer than that median.
Fair Value models
Bear 9.09 SARFair Value 9.09 SARBull 9.09 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 8 months old). Earnings retained since then (0.2121 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.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.58/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+28.3%
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.
+14.0%
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.
+67.5%
Revenue growth 6 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.
+40.8%
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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.
+12.9%
Earnings growth per share plus dividend.
Earnings per share, growth per year+12.9%
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.−269% → 20%
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.Credit Services · 334 stocks
Beats the industry median on 3/12 measures
Overall it trails its industry peers.
Valuation
Quality Score49 · Below median
Fair Value upside−77% · Bottom 25%
Profitability
Return on equity (TTM)2% · Below median
Return on assets1% · Below median
Net margin (TTM)7% · Below median
Operating margin (TTM)23% · Below median
Growth and dividend
Revenue growth−3% · Below median
Balance sheet
Debt / equity0.84× · Above median
Valuation Multiplesvs Credit Services median · lower = cheaper
P/E (TTM)52.8× · Priciest 25%
P/B0.29× · Cheapest 25%
P/S (TTM)1.01× · Cheaper than median
EV/EBITDA6.5× · Cheaper than median
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 41
FUTURE (revenue growth)0· sector 39
PAST (return on equity)8· sector 30
HEALTH (low debt)58· sector 59
DIVIDEND (yield)0· sector 65
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). "Quara Finance Company Fair Value". https://www.fairvalue-calculator.com/stock/9596
Frequently asked questions
Is Quara Finance Company (9596) overvalued or undervalued?
As of Sep 13, 2026, our model estimates a fair value of 9.09 SAR versus a price of 15.84 SAR, about −43% upside (overvalued).
What is the fair value of 9596?
Our model-based fair value for Quara Finance Company is 9.09 SAR (as of Sep 13, 2026), built from audited fundamentals. The current price: 15.84 SAR.
What is the quality score of 9596?
Quara Finance Company has a Quality Score of 50/100. 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 Quara Finance Company (9596)?
Our model-based price target is the fair value of 9.09 SAR (as of Sep 13, 2026) from 7 valuation models. It is a calculation from audited fundamentals, not an analyst target.
What is the Quara Finance Company stock forecast for 2026?
Our models put fair value at 9.09 SAR, about −43% upside versus a price of 15.84 SAR (overvalued). The calculation is refreshed regularly with new filings.
What is the revenue of Quara Finance Company (9596)?
Quara Finance Company reported trailing-twelve-month revenue of about 134M SAR (latest available figure, as of Sep 13, 2026).
What is the intrinsic value of Quara Finance Company (9596)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Quara Finance Company it is 9.09 SAR per share (as of Sep 13, 2026), against a price of 15.84 SAR. It is the blended result of 7 valuation models (cash flow, earnings, asset, dividend).
Is Quara Finance Company stock overvalued or undervalued in 2026?
As of Sep 13, 2026, 9596 trades above its calculated fair value: price 15.84 SAR, fair value 9.09 SAR, a gap of about −43% (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 9596?
No. The price is what the market pays today (15.84 SAR); the fair value is what the company's own numbers justify (9.09 SAR). For Quara Finance Company the two are 6.75 SAR per share apart. That gap is exactly why we show both numbers side by side.
How much is Quara Finance Company worth?
The market values Quara Finance Company at about 475M SAR (market capitalisation, as of Sep 13, 2026). Per share that is 15.84 SAR; our models calculate a fair value of 9.09 SAR per share.
What is the P/E ratio of 9596?
Quara Finance Company trades at a price-to-earnings ratio of 52.8 (as of Sep 13, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 9.09 SAR is built from several models across several years. Other multiples: P/B 0.3, P/S 1.0, EV/EBITDA 6.5.
How solid is the balance sheet of Quara Finance Company (9596)?
Balance-sheet figures for Quara Finance Company (as of Sep 13, 2026): return on equity 2.0%, debt of 0.84 per unit of equity. They feed the Quality Score of 50/100, which measures business quality independently of the share price.
How far is 9596 from its 52-week high?
Quara Finance Company trades at 15.84 SAR, about 14% below its 52-week high of 18.50 SAR and 8% above the low of 14.60 SAR (as of Sep 13, 2026). Distance from the high says nothing about value: that is what the fair value of 9.09 SAR is for.
Which stocks are comparable to Quara Finance Company?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, 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 Quara Finance Company stock attractive at the current price?
The data as of Sep 13, 2026: price 15.84 SAR, calculated fair value 9.09 SAR (−43%), Quality Score 50/100, from 7 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 9596 calculated?
We run Quara Finance Company through 7 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 9.09 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 15.6 % above its aggregate fair value. Quara Finance 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 Quara Finance Company (9596)?
The closing price on Sep 13, 2026 was 15.84 SAR. Our model-based fair value is 9.09 SAR, about −43% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Quara Finance Company right now?
The price sits above even our optimistic bull case (9.09 SAR). The favourable scenario is already priced in. Solid but not exceptional quality (50/100) and above fair value, neither a clear bargain nor a standout compounder. 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 Quara Finance Company
How large is the market capitalisation of Quara Finance Company (9596)?
The market capitalisation of Quara Finance Company is 475M SAR (≈ $127M). 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 Quara Finance Company (9596)?
The price-to-sales ratio of Quara Finance Company is 1.62 (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 Quara Finance Company (9596)?
Earnings per share at Quara Finance Company are 0.3000 SAR (price ÷ EPS = P/E 52.8). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Quara Finance Company (9596)?
The net margin of Quara Finance Company is 3.1% (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 Quara Finance Company (9596)?
The return on equity (ROE) of Quara Finance Company is 2.0% (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 Quara Finance Company (9596)?
On an EBIT basis the return on assets of Quara Finance Company is 6.6% (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 Quara Finance Company (9596)?
The operating margin of Quara Finance Company is 22.9% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Quara Finance Company (9596)?
Revenue at Quara Finance Company is growing −2.8% versus a year earlier (3y avg +14.0%). 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 Quara Finance Company (9596)?
Earnings per share at Quara Finance Company are growing +12.6% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Quara Finance Company (9596) generate?
The free cash flow of Quara Finance Company is −32.4M 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 Quara Finance Company (9596) carry?
The net debt of Quara Finance Company is 262M SAR (fiscal year 2025). 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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