4083 Stock Overview

Provides digital consumer finance services in Saudi Arabia. More details

4083 fundamental analysis
Snowflake Score
Valuation	1/6
Future Growth	2/6
Past Performance	1/6
Financial Health	0/6
Dividends	0/6

Rewards

Price-To-Earnings ratio (20.1x) is below the SA market (23.6x)

Revenue is forecast to grow 16.92% per year

Earnings have grown 27.6% per year over the past 5 years

Risk Analysis

Shares are highly illiquid

Debt is not well covered by operating cash flow

High level of non-cash earnings

My Notes

Capture your thoughts, links and company narrative

United International Holding Company Competitors

Nayifat Finance

SASE:4081

ر.س1.8b

Morabaha Marina Financing

SASE:4082

ر.س803.0m

Quara Finance

SASE:9596

ر.س566.4m

Saudi Advanced Industries

SASE:2120

ر.س2.2b

Price History & Performance

Summary of share price highs, lows and changes for United International Holding
Historical stock prices
Current Share Price	ر.س170.80
52 Week High	ر.س200.00
52 Week Low	ر.س145.20
Beta	0
1 Month Change	n/a
3 Month Change	n/a
1 Year Change	n/a
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	-0.47%

Recent updates

Shareholder Returns

	4083	SA Consumer Finance	SA Market
7D	10.2%	-2.0%	-1.1%
1Y	n/a	2.1%	-9.0%

Return vs Industry: Insufficient data to determine how 4083 performed against the SA Consumer Finance industry.

Return vs Market: Insufficient data to determine how 4083 performed against the SA Market.

Price Volatility

Is 4083's price volatile compared to industry and market?
4083 volatility
4083 Average Weekly Movement	n/a
Consumer Finance Industry Average Movement	5.3%
Market Average Movement	4.0%
10% most volatile stocks in SA Market	7.7%
10% least volatile stocks in SA Market	2.5%

Stable Share Price: 4083's share price has been volatile over the past 3 months compared to the SA market.

Volatility Over Time: Insufficient data to determine 4083's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
2021	524	Mohammed Galal Fahmi	www.unitedholding.com.sa

United International Holding Company, together with its subsidiaries, provides digital consumer finance services in Saudi Arabia. The company offers personal cash loans, installments, and credit cards services. It also offers processing and remote support services, data backup services, card payment services, and technical services to financial institutions and other companies; and call center services, application processing, and IT support services.

United International Holding Company Fundamentals Summary

How do United International Holding's earnings and revenue compare to its market cap?
4083 fundamental statistics
Market cap	ر.س4.30b
Earnings (TTM)	ر.س212.34m
Revenue (TTM)	ر.س467.83m

20.1x

P/E Ratio

9.1x

P/S Ratio

Is 4083 overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
4083 income statement (TTM)
Revenue	ر.س467.83m
Cost of Revenue	ر.س0
Gross Profit	ر.س467.83m
Other Expenses	ر.س255.49m
Earnings	ر.س212.34m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	8.49
Gross Margin	100.00%
Net Profit Margin	45.39%
Debt/Equity Ratio	113.2%

How did 4083 perform over the long term?

See historical performance and comparison

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/19 14:48
End of Day Share Price	2024/12/19 00:00
Earnings	2024/09/30
Annual Earnings	2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

United International Holding Company is covered by 1 analysts. 1 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
Muhammad Saad	Al Rajhi Capital

United International Holding SASE:4083 Stock Report