4083.SR
Unloved QualityUnited International Holding Company · Financial Services · Saudi Arabia · $385M cap · $1.9M/day traded
SAR 19.25 +0.4% · close 5 Nov · scored 7 Nov
Unloved Quality: Strong and cheap, but the market has not warmed to it.
As of 7 Nov 2026, the MoatMap Score for United International Holding Company (4083.SR) is 26/100, ranked against 25,000+ stocks in 38 markets (Quality 52, Value 53, Momentum 8, each scored against its sector).
Does the score work? Each tenth of the ranking, tracked monthly. See the record →
ABOUT UNITED INTERNATIONAL HOLDING COMPANY
Read
United International Holding Company, together with its subsidiaries, provides consumer finance services in the Kingdom of Saudi Arabia. The company offers product, personal, and credit card finance services to individual customers.
FINANCIAL SUMMARY (SAR)
| Year | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|
| Revenue | 523.9M | 623.7M | 770.5M | 21.3% | 592.0M | 829.8M | 929.1M | 9.8% |
| EPS (SAR) | 2.95 | 3.09 | 3.78 | 13.3% | 3.79 | 2.97 | 3.58 | -2.7% |
| Shares | 72.0M | 72.0M | 72.0M | 0.0% | 75.0M | — | — | — |
| Debt | 947.9M | 1.3B | 1.7B | 32.2% | 1.8B | — | — | — |
| Equity | 890.7M | 1.1B | 1.4B | 25.2% | — | — | — | — |
| Op CF | -103.9M | -323.2M | -305.9M | — | -80.2M | — | — | — |
| Inv CF | -5.3M | -5.4M | -37.0M | — | — | — | — | — |
| Fin CF | 107.0M | 327.6M | 368.6M | — | — | — | — | — |
Made a new 52-week low 2 trading days ago, 68% below its 52-week high. The fall has not stopped yet.
Calmer than 68% of stocks we rank over the past year (volatility 33% 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 4083.SR are excluded.
| Ticker | Company | Mkt Cap | Score |
|---|---|---|---|
| 4083.SR | United International Holding Company(you) | $385M | 26 |
| 9602.SR | Yaqeen Capital Company | $59M | 31 |
| 1183.SR | SHL Finance Company | $311M | 23 |
| 4081.SR | Nayifat Finance Company | $264M | 27 |
| 8060.SR | Walaa Cooperative Insurance Company | $365M | 47 |
| 8040.SR | Mutakamela Insurance Company | $140M | 23 |
| 1182.SR | Amlak International Finance Company | $215M | 37 |
| 8012.SR | Aljazira Takaful Taawuni Company | $152M | 22 |
| 8030.SR | The Mediterranean and Gulf Cooperative Insurance and Reinsurance Company | $498M | 44 |
| 8240.SR | Chubb Arabia Cooperative Insurance Company | $149M | 19 |
Peer medians: ROE 7.5% · P/E 13.7x · 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.