National Finance Company SAOG Valuation

Is NFCI undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

2/6

Valuation Score 2/6

Below Fair Value
Significantly Below Fair Value
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of NFCI when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: Insufficient data to calculate NFCI's fair value for valuation analysis.

Significantly Below Fair Value: Insufficient data to calculate NFCI's fair value for valuation analysis.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for NFCI?

Key metric: As NFCI is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for NFCI. This is calculated by dividing NFCI's market cap by their current earnings.
What is NFCI's PE Ratio?
PE Ratio	6.6x
Earnings	ر.ع11.43m
Market Cap	ر.ع75.73m

NFCI key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenue	n/a
Enterprise Value/EBITDA	n/a
PEG Ratio	n/a

Price to Earnings Ratio vs Peers

How does NFCI's PE Ratio compare to its peers?

The above table shows the PE ratio for NFCI vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
Company	Forward PE	Estimated Growth	Market Cap
Peer Average	9.9x
AOFS Al Omaniya Financial Services SAOG	15.6x	n/a	ر.ع52.0m
TFCI Taageer Finance Company SAOG	4.8x	n/a	ر.ع27.9m
DIDI Dhofar International Development & Investment Holding CompanyO.G	9.4x	n/a	ر.ع83.9m
UFCI United Finance Company SAOG	9.7x	n/a	ر.ع19.9m
NFCI National Finance Company SAOG	6.6x	n/a	ر.ع75.7m

Price-To-Earnings vs Peers: NFCI is good value based on its Price-To-Earnings Ratio (6.6x) compared to the peer average (9.9x).

Price to Earnings Ratio vs Industry

How does NFCI's PE Ratio compare vs other companies in the Asian Consumer Finance Industry?

1 Company	Price / Earnings	Estimated Growth	Market Cap

1 Company		Estimated Growth	Market Cap

No more companies

Price-To-Earnings vs Industry: NFCI is good value based on its Price-To-Earnings Ratio (6.6x) compared to the Asian Consumer Finance industry average (13.8x).

Price to Earnings Ratio vs Fair Ratio

What is NFCI's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

NFCI PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio	6.6x
Fair PE Ratio	n/a

Price-To-Earnings vs Fair Ratio: Insufficient data to calculate NFCI's Price-To-Earnings Fair Ratio for valuation analysis.

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst NFCI forecast and predictions for the stock price in 12 month’s time.
Date	Share Price	Average 1Y Price Target	Dispersion	High	Low	1Y Actual price	Analysts
Current	ر.ع0.13	ر.ع0.18 +35.6%	4.5%	ر.ع0.19	ر.ع0.17	n/a	2
Nov ’25	ر.ع0.13	ر.ع0.18 +35.6%	4.5%	ر.ع0.19	ر.ع0.17	n/a	2
Oct ’25	ر.ع0.14	ر.ع0.19 +37.4%	0.8%	ر.ع0.19	ر.ع0.18	n/a	2
Sep ’25	ر.ع0.15	ر.ع0.19 +23.7%	0.8%	ر.ع0.19	ر.ع0.18	n/a	2
Aug ’25	ر.ع0.14	ر.ع0.19 +32.5%	0.8%	ر.ع0.19	ر.ع0.18	n/a	2
Jul ’25	ر.ع0.15	ر.ع0.19 +20.5%	0.8%	ر.ع0.19	ر.ع0.18	n/a	2
Jun ’25	ر.ع0.15	ر.ع0.19 +19.7%	0.8%	ر.ع0.19	ر.ع0.18	n/a	2
May ’25	ر.ع0.17	ر.ع0.19 +12.4%	0.8%	ر.ع0.19	ر.ع0.18	n/a	2
Apr ’25	ر.ع0.17	ر.ع0.19 +6.0%	0.8%	ر.ع0.19	ر.ع0.18	n/a	2
Mar ’25	ر.ع0.16	ر.ع0.19 +15.9%	0.8%	ر.ع0.19	ر.ع0.18	n/a	2
Feb ’25	ر.ع0.15	ر.ع0.19 +23.7%	0.8%	ر.ع0.19	ر.ع0.18	n/a	2
Jan ’25	ر.ع0.17	ر.ع0.19 +11.7%	0.8%	ر.ع0.19	ر.ع0.18	n/a	2
Dec ’24	ر.ع0.17	ر.ع0.19 +11.7%	0.8%	ر.ع0.19	ر.ع0.18	n/a	2
Nov ’24	ر.ع0.17	ر.ع0.19 +11.7%	0.8%	ر.ع0.19	ر.ع0.18	ر.ع0.13	2
Oct ’24	ر.ع0.17	ر.ع0.16 -1.5%	14.4%	ر.ع0.19	ر.ع0.14	ر.ع0.14	2
Sep ’24	ر.ع0.17	ر.ع0.16 -1.5%	14.4%	ر.ع0.19	ر.ع0.14	ر.ع0.15	2
Aug ’24	ر.ع0.16	ر.ع0.16 +3.5%	14.4%	ر.ع0.19	ر.ع0.14	ر.ع0.14	2

Analyst Forecast: Target price is more than 20% higher than the current share price, but there are not enough analysts covering the stock to determine statistical confidence in agreement.