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Abdulaziz Ahmad Altwijri (9651) fair value: what the stock is really worth

We calculate from audited financials what Abdulaziz Ahmad Altwijri 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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Consumer Defensive · SA

AA Thin data Sep 13, 2026

Abdulaziz Ahmad Altwijri

9651 · SR

Weak valuationQuality is weak on top of the rich price.

!Fair value 13.25 SAR · Overvalued (−22%)
!Quality 27/100
!Mixed Growth (revenue 5y +2.9 %/yr)
!Loss-making · -10.4% net margin (TTM)
!Low debt · negative free cash flow
!Trails peers (3/11)
!Narrow moat 14/100
!Evidence only low, so the estimate is less certain
!Weak on valuation: 4 out of 100
!Weak on future: 25 out of 100
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What runs behind every stock

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

32.00 SAR 16.70 SAR Fair Value 13.25 SAR Nov 2025 Sep 2026

White line = price, green steps = our fair value per fiscal year. As of Sep 13, 2026.

How to read this chart

10‑month range 16.70 SAR – 32.00 SAR · fair‑value band 10.53 SAR – 14.07 SAR · the 17.02 SAR price screens above the 13.25 SAR fair value. As of Sep 13, 2026.

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Company profile

Abdul Aziz Al-Tuwaijri Trading Company engages in the marketing and distribution of food and medical consumer products, detergents, and personal care products. The company offers food, beverages, cosmetics, soaps, and detergents, as well as medical devices, equipment, and supplies.

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Abdul Aziz Al-Tuwaijri Trading Company engages in the marketing and distribution of food and medical consumer products, detergents, and personal care products. The company offers food, beverages, cosmetics, soaps, and detergents, as well as medical devices, equipment, and supplies. It is also involved in the management and leasing of non-residential properties. The company was founded in 1957 and is based in Riyadh, Saudi Arabia.

Stock analysis

Abdulaziz Ahmad Altwijri (9651) currently trades at 17.02 SAR, while our model-based Fair Value estimate is 13.25 SAR, implying the stock looks roughly 28.4% overvalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of 33.70 SAR per share, and 3 of the 8 models we run sit above the 17.02 SAR price.

Bear case: the Dividend Discount group reads lowest at 3.63 SAR, and 5 of the 8 models stay below the price. Evidence for this calculation is low.

Scenario range: 10.53 SAR (bear) to 14.07 SAR (bull), the price of 17.02 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 27/100 (below-average quality), in the Consumer Defensive sector.

Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.

Abdulaziz Ahmad Altwijri reported revenue of 141M SAR in FY2025 versus 122M SAR in FY2020, a compound +2.9%/yr. Reported net income was −14.6M SAR in FY2025.

Key figures

Market cap 85.1M SAR (≈ $22.7M) · P/S ratio 0.61 · EPS (TTM) −3.55 SAR · Dividend yield 1.6% · Net margin −10.4% · Return on equity −17.6% · Return on assets (EBIT) 6.7% · Operating margin −2.7%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 35 out of 100 (low confidence).

What moves the price

The share trades about 50% below its 52-week high, currently below its 200-day average.

For context, the median of 10 Consumer Defensive peers we cover trades at −31% fair-value upside, at −22%, 9651 screens cheaper than that median.

Fair Value models

Bear 10.53 SAR Fair Value 13.25 SAR Bull 14.07 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. 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.
Highest evidence
EPV 14.98 SAR 16.33 SAR 17.42 SAR 74
ROIC Compounder 14.98 SAR 16.33 SAR 17.42 SAR 69
EV/EBITDA 26.22 SAR 33.70 SAR 41.18 SAR 67
All 8 models by family
Earnings-Based
EPV 14.98 SAR 16.33 SAR 17.42 SAR 74
Dividend Discount
Gordon GGM 2.51 SAR 4.20 SAR 5.45 SAR 66
DDM Multi-Stage 2.51 SAR 3.63 SAR 4.52 SAR 64
Multiples
EV/EBIT 26.69 SAR 34.33 SAR 41.97 SAR 66
EV/EBITDA 26.22 SAR 33.70 SAR 41.18 SAR 67
EV/Revenue 20.13 SAR 27.14 SAR 34.15 SAR 54
Asset-Based
NCAV (Graham) 8.74 SAR 11.71 SAR 17.48 SAR 54
Economic Profit
ROIC Compounder 14.98 SAR 16.33 SAR 17.42 SAR 69

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Quality Score breakdown

Overall quality 27/100

Of which business quality 28 · Market factors (momentum, volatility) 5

Profitability 15
Margins and returns on capital today
Quality Growth 34
Are margins and returns improving?
Cashflow 2
Earnings quality: real cash, not paper profit
Fin. Strength 37
Balance sheet, leverage, solvency risk
Investment 72
Disciplined investing over empire-building
Low Volatility 0
Calm price path (market factor)
Momentum 10
Price trend over the last 3–12 months (market factor)
52W Momentum 1
Distance to the 52-week high (market factor)
Net Issuance 27
Share count: buybacks or dilution?

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Revenue & earnings trend

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. 10/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+7.1%
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.
+2.9%
Profit margin (trend) 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.
13.6% (2020) → 6.4% (2025)
What shareholders gained per year We only publish this rate when it is defensible. Reason: fiscal 2025 is a loss year, no rate is defined from a loss
not computed

9651 screens 28% overvalued. Compare with L'Oréal S.A →

Compare Abdulaziz Ahmad Altwijri with another stock

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Peer GroupHow 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.Household & Personal Products · 246 stocks

Beats the industry median on 3/10 measures
Overall it trails its industry peers.
Valuation
Quality Score 27 · Bottom 25%
Fair Value upside −22% · Below median
Profitability
Return on assets 3% · Below median
Net margin (TTM) −10% · Bottom 25%
Operating margin (TTM) −3% · Bottom 25%
Growth and dividend
Revenue growth 5% · Above median
Dividend yield (TTM) 1.6% · Below median
Balance sheet
Debt / equity 0.18× · Above median

Valuation Multiplesvs Household & Personal Products median · lower = cheaper

P/B 0.26× · Cheapest 25%
P/S (TTM) 0.16× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)4 · sector 33
FUTURE (revenue growth)25 · sector 9
PAST (return on equity)0 · sector 27
HEALTH (low debt)91 · sector 98
DIVIDEND (yield)32 · sector 55

Context: sector, industry, market

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

Similar stocks

10 more Household & Personal Products stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value
L'Oréal S.A LORL C$25.21 C$21.85 −13%
Unilever PLC UNA €53.12 €40.47 −24%
Colgate-Palmolive Company CL $86.80 $55.28 −36%
500696 500696 ₹1,934 ₹493.08 −75%
Hindustan Unilever Limited HINDUNILVR ₹1,927 ₹789.46 −59%
Kenvue Inc KVUE $17.78 $10.97 −38%
Kimberly-Clark Corporation KMB $98.15 $79.71 −19%
Henkel AG HEN3 €72.30 €78.02 +8%
The Estée Lauder Companies Inc ESLA €83.04 €18.96 −77%
Church & Dwight Co CHD $94.15 $65.12 −31%

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Cite: Fair Value Calculator (2026). "Abdulaziz Ahmad Altwijri Fair Value". https://www.fairvalue-calculator.com/stock/9651

Frequently asked questions

Is Abdulaziz Ahmad Altwijri (9651) overvalued or undervalued?
As of Sep 13, 2026, our model estimates a fair value of 13.25 SAR versus a price of 17.02 SAR, about −22% upside (overvalued).
What is the fair value of 9651?
Our model-based fair value for Abdulaziz Ahmad Altwijri is 13.25 SAR (as of Sep 13, 2026), built from audited fundamentals. The current price: 17.02 SAR.
What is the quality score of 9651?
Abdulaziz Ahmad Altwijri has a Quality Score of 27/100. 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 Abdulaziz Ahmad Altwijri (9651)?
Our model-based price target is the fair value of 13.25 SAR (as of Sep 13, 2026) from 8 valuation models. Cautious scenario 10.53 SAR, optimistic scenario 14.07 SAR. It is a calculation from audited fundamentals, not an analyst target.
What is the Abdulaziz Ahmad Altwijri stock forecast for 2026?
Our models put fair value at 13.25 SAR, about −22% upside versus a price of 17.02 SAR (overvalued). Cautious scenario 10.53 SAR, optimistic scenario 14.07 SAR. The calculation is refreshed regularly with new filings.
What is the revenue of Abdulaziz Ahmad Altwijri (9651)?
Abdulaziz Ahmad Altwijri reported trailing-twelve-month revenue of about 141M SAR (latest available figure, as of Sep 13, 2026).
Does Abdulaziz Ahmad Altwijri pay a dividend?
Abdulaziz Ahmad Altwijri currently shows a dividend yield of about 1.62% relative to its recent price (as of Sep 13, 2026).
What is the intrinsic value of Abdulaziz Ahmad Altwijri (9651)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Abdulaziz Ahmad Altwijri it is 13.25 SAR per share (as of Sep 13, 2026), against a price of 17.02 SAR. It is the blended result of 8 valuation models (cash flow, earnings, asset, dividend).
Is Abdulaziz Ahmad Altwijri stock overvalued or undervalued in 2026?
As of Sep 13, 2026, 9651 trades above its calculated fair value: price 17.02 SAR, fair value 13.25 SAR, a gap of about −22% (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 9651?
No. The price is what the market pays today (17.02 SAR); the fair value is what the company's own numbers justify (13.25 SAR). For Abdulaziz Ahmad Altwijri the two are 3.77 SAR per share apart. That gap is exactly why we show both numbers side by side.
How much is Abdulaziz Ahmad Altwijri worth?
The market values Abdulaziz Ahmad Altwijri at about 85.1M SAR (market capitalisation, as of Sep 13, 2026). Per share that is 17.02 SAR; our models calculate a fair value of 13.25 SAR per share.
What do the bullish and bearish scenarios say about 9651?
Our models span a range for Abdulaziz Ahmad Altwijri: cautious scenario 10.53 SAR, base 13.25 SAR, optimistic 14.07 SAR per share (as of Sep 13, 2026, price 17.02 SAR). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Abdulaziz Ahmad Altwijri (9651)?
Balance-sheet figures for Abdulaziz Ahmad Altwijri (as of Sep 13, 2026): return on equity −17.6%, debt of 0.18 per unit of equity. They feed the Quality Score of 27/100, which measures business quality independently of the share price.
How far is 9651 from its 52-week high?
Abdulaziz Ahmad Altwijri trades at 17.02 SAR, about 50% below its 52-week high of 33.82 SAR (as of Sep 13, 2026). Distance from the high says nothing about value: that is what the fair value of 13.25 SAR is for.
Which stocks are comparable to Abdulaziz Ahmad Altwijri?
From the same area (Consumer Defensive) we also value L'Oréal S.A, Unilever PLC, Colgate-Palmolive Company, 500696, 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 Abdulaziz Ahmad Altwijri stock attractive at the current price?
The data as of Sep 13, 2026: price 17.02 SAR, calculated fair value 13.25 SAR (−22%), Quality Score 27/100, from 8 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 9651 calculated?
We run Abdulaziz Ahmad Altwijri through 8 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 13.25 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. Abdulaziz Ahmad Altwijri 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 Abdulaziz Ahmad Altwijri (9651)?
The closing price on Sep 10, 2026 was 17.02 SAR. Our model-based fair value is 13.25 SAR, about −22% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Abdulaziz Ahmad Altwijri right now?
The price sits above even our optimistic bull case (14.07 SAR). The favourable scenario is already priced in. Weak quality (27/100) and above fair value at the same time, the margin of safety is missing on both counts. Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual.

Key figures of Abdulaziz Ahmad Altwijri

How large is the market capitalisation of Abdulaziz Ahmad Altwijri (9651)?
The market capitalisation of Abdulaziz Ahmad Altwijri is 85.1M SAR (≈ $22.7M). 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 Abdulaziz Ahmad Altwijri (9651)?
The price-to-sales ratio of Abdulaziz Ahmad Altwijri is 0.61 (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 Abdulaziz Ahmad Altwijri (9651)?
Earnings per share at Abdulaziz Ahmad Altwijri are −3.55 SAR. Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Abdulaziz Ahmad Altwijri (9651)?
The dividend yield of Abdulaziz Ahmad Altwijri is 1.6%. 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 Abdulaziz Ahmad Altwijri (9651)?
The net margin of Abdulaziz Ahmad Altwijri is −10.4% (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 Abdulaziz Ahmad Altwijri (9651)?
The return on equity (ROE) of Abdulaziz Ahmad Altwijri is −17.6% (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 Abdulaziz Ahmad Altwijri (9651)?
On an EBIT basis the return on assets of Abdulaziz Ahmad Altwijri is 6.7% (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 Abdulaziz Ahmad Altwijri (9651)?
The operating margin of Abdulaziz Ahmad Altwijri is −2.7% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Abdulaziz Ahmad Altwijri (9651)?
Revenue at Abdulaziz Ahmad Altwijri is growing +4.9% versus a year earlier (3y avg +14.7%). 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 Abdulaziz Ahmad Altwijri (9651)?
Earnings per share at Abdulaziz Ahmad Altwijri are growing +178% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Abdulaziz Ahmad Altwijri (9651) generate?
The free cash flow of Abdulaziz Ahmad Altwijri is −5.8M 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 Abdulaziz Ahmad Altwijri (9651) carry?
The net debt of Abdulaziz Ahmad Altwijri is 50.3M 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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