Quara Finance Company (9596) Fair Value & Analysis
Financial Services · SA · Market cap 510M SAR
Fair value as of: Aug 1, 2026
From 15 valuation models · updated today
Share price +1.8% over the past month.
What matters now
- The price sits above even our optimistic bull case (6.23 SAR). The favourable scenario is already priced in.
- Solid but not exceptional quality (52/100) 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.
Price vs Fair Value (12 months)
12‑month range 15.10 SAR – 18.00 SAR · fair‑value band 4.06 SAR – 6.23 SAR · the 17.00 SAR price screens above the 5.41 SAR fair value. As of Aug 1, 2026.
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Quara Finance Company (9596) currently trades at 17.00 SAR, while our model-based Fair Value estimate is 5.41 SAR, implying the stock looks roughly 68.2% overvalued today. We read business quality at 52/100 (solid quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: high).
Over the trailing twelve months, Quara Finance Company generated revenue of 134M SAR at a net margin of 6.9%. Revenue declined 2.8% year over year. It earns a return on equity of 2.0%. Net debt stands at 262M SAR. Fundamentals as of Aug 1, 2026
Our scenario range runs from 4.06 SAR (bear case) to 6.23 SAR (bull case); at 17.00 SAR, the current price sits above that range. The share trades about 8% below its 52-week high and 16% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -46% fair-value upside, at -68%, 9596 screens richer than that median.
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 1, 2026. TTM = trailing twelve months.
Quality Score breakdown
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
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.
Full company description
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.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
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.
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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.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Credit Services stocks, each showing price versus our Fair Value estimate (as of Aug 1, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Visa Inc 3V64 | €283.80 | €135.27 | -52% |
| Mastercard Incorporated M4I | €438.70 | €221.88 | -49% |
| American Express Company AXPB34 | R$159.36 | R$85.29 | -46% |
| Capital One Financial Corporation COF | 3,151 MXN | 138.62 MXN | -96% |
| Bajaj Finance Limited BAJFINANCE | ₹968.30 | ₹720.78 | -26% |
| PayPal Holdings PYPL | 720.50 MXN | 77.12 MXN | -89% |
| Shriram Finance Limited SHRIRAMFIN | ₹923.30 | ₹735.80 | -20% |
| Cholamandalam Investment and Finance Company CHOLAFIN | ₹1,473 | ₹1,205 | -18% |
| Tata Capital Limited TATACAP | ₹314.80 | ₹125.28 | -60% |
| Power Finance Corporation PFC | ₹431.75 | ₹467.63 | +8% |
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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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