1183.SR
SinkerSHL Finance Company · Financial Services · Saudi Arabia · $311M cap · $103K/day traded
SAR 11.68 -0.1% · close 5 Nov · scored 7 Nov
Sinker: Weak business, rich price and weak momentum. Nothing here to keep it afloat.
As of 7 Nov 2026, the MoatMap Score for SHL Finance Company (1183.SR) is 23/100, ranked against 25,000+ stocks in 38 markets (Quality 46, Value 38, Momentum 26, each scored against its sector).
Does the score work? Each tenth of the ranking, tracked monthly. See the record →
ABOUT SHL FINANCE COMPANY
Read
SHL Finance Company operates as a real estate finance company in the Kingdom of Saudi Arabia. The company engages in financing the purchasing of houses, residential lands, and apartments; financing of real estate properties; and financing the establishment of commercial and industrial projects.
FINANCIAL SUMMARY (SAR)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM |
|---|---|---|---|---|---|---|
| Revenue | 189.4M | 112.0M | 145.0M | 201.2M | 2.0% | 236.7M |
| EPS (SAR) | 0.96 | 0.02 | 0.27 | 0.51 | -19.0% | 0.62 |
| Shares | 100.0M | 100.0M | 100.0M | 100.0M | 0.0% | 100.0M |
| Debt | 2.6B | 2.7B | 2.8B | 2.9B | 4.5% | 3.1B |
| Equity | 1.7B | 1.7B | 1.7B | 1.7B | 0.6% | — |
| Op CF | 147.6M | 164.6M | 112.1M | 59.6M | -26.1% | 59.6M |
| Inv CF | -0.3M | -2.0M | -1.1M | -2.7M | — | — |
| Fin CF | -288.4M | -125.2M | -122.1M | -55.3M | — | — |
Made a new 52-week low 9 trading days ago, 46% below its 52-week high. The fall has not stopped yet.
Calmer than 73% of stocks we rank over the past year (volatility 30% a year).
How this is worked out
The MoatMap Score weighs the business, its price and its trend. The price check reads only the chart: the price side of the Momentum score, in words.
The rules: Still falling is a new 52-week low in the last two weeks, at least 25% below the high. Finding a floor is no new low since. Turning up is 20 or more trading days without a new low, at least 10% off it, and back above a rising 50-day average. In an uptrend is above the 200-day average and within 15% of the high.
In 2,112 US drawdowns since 2001, buying while the price was still falling was followed by a further 20% drop 42% of the time. Waiting for a turn (the Turning up rule above) cut that to 33%, at about 7% higher prices and with no better returns. Part of that cut is simply not buying: 13% of falls never turned, and waiting kept those out. Among turns that were bought, 38% still fell another 20%, and 33% of turns were followed by a new low within six months. The benefit was largest in crashes such as 2008 and 2020.
What it measures: how much the price moved day to day over the past year, scaled to a yearly figure (annualised volatility) and ranked against every stock we cover. Very calm under 20% a year, Calm 20 to 30%, Average 30 to 40%, Bumpy 40 to 55%, Very bumpy above that.
What we found: across about 13,500 stocks in 34 markets (2002 to 2025), past swings were a good guide to the next year's, and bumpier stocks fell further. How much further changed too much between eras to put a number on it.
Calm is not safe: a calm stock can still slide steadily.
Rules fixed before any data was fetched. Describes the chart, not a recommendation.
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of 1183.SR are excluded.
| Ticker | Company | Mkt Cap | Score |
|---|---|---|---|
| 1183.SR | SHL Finance Company(you) | $311M | 23 |
| 1182.SR | Amlak International Finance Company | $215M | 37 |
| 4083.SR | United International Holding Company | $385M | 26 |
| 4081.SR | Nayifat Finance Company | $264M | 27 |
| 8040.SR | Mutakamela Insurance Company | $140M | 23 |
| 8012.SR | Aljazira Takaful Taawuni Company | $152M | 22 |
| 8240.SR | Chubb Arabia Cooperative Insurance Company | $149M | 19 |
| 8060.SR | Walaa Cooperative Insurance Company | $365M | 47 |
| 8120.SR | Gulf Union Alahlia Cooperative Insurance Company | $151M | 36 |
| 8160.SR | Arabia Insurance Cooperative Company | $93M | 20 |
Peer medians: ROE 7.6% · P/E 13.6x · Gross margin 12.1%
Company Deep Dive
A 10,000-word report: the business and its segments, what management promised on earnings calls and whether it delivered, the competition, and how things could turn out.