4084.SR
Fallen FavouriteDerayah Financial Company · Financial Services · Saudi Arabia · $1.3B cap · $2.2M/day traded
SAR 19.80 -0.5% · close 5 Nov · scored 7 Nov
Fallen Favourite: A good business, still expensive, and its momentum is weak.
As of 7 Nov 2026, the MoatMap Score for Derayah Financial Company (4084.SR) is 56/100, ranked against 25,000+ stocks in 38 markets (Quality 78, Value 38, Momentum 35, each scored against its sector).
Does the score work? Each tenth of the ranking, tracked monthly. See the record →
ABOUT DERAYAH FINANCIAL COMPANY
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Derayah Financial Company provides brokerage and margin trading services in Saudi Arabia. It operates through Brokerage, Asset Management, Investments, and Investment property segments.
FINANCIAL SUMMARY (SAR)
| Year | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|
| Revenue | — | 957.5M | 986.0M | 3.0% | 981.7M | 985.1M | 1.1B | 5.3% |
| EPS (SAR) | — | 1.78 | 1.64 | -7.7% | 1.62 | 1.63 | 2.05 | 11.8% |
| Shares | 249.7M | 243.4M | 243.7M | -2.4% | 244.5M | — | — | — |
| Debt | 3.2M | 4.6M | 200.6M | 689.3% | 12.5M | — | — | — |
| Equity | 811.8M | 957.8M | 1.1B | 16.4% | — | — | — | — |
| Op CF | — | 403.3M | 510.4M | 26.6% | 654.5M | — | — | — |
| Inv CF | — | -175.2M | -137.0M | — | — | — | — | — |
| Fin CF | — | -176.0M | -402.0M | — | — | — | — | — |
Made a new 52-week low 9 trading days ago, 31% below its 52-week high. The fall has not stopped yet.
Calmer than 78% of stocks we rank over the past year (volatility 27% 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 4084.SR are excluded.
| Ticker | Company | Mkt Cap | Score |
|---|---|---|---|
| 4084.SR | Derayah Financial Company(you) | $1.3B | 56 |
| 1111.SR | Saudi Tadawul Group Holding Company | $3.6B | 16 |
| 8200.SR | Saudi Reinsurance Company | $1.1B | 44 |
| 8313.SR | Rasan Information Technology Company | $2.8B | 62 |
| 8230.SR | Al Rajhi Company for Cooperative Insurance | $2.5B | 40 |
| 8030.SR | The Mediterranean and Gulf Cooperative Insurance and Reinsurance Company | $498M | 44 |
| 1020.SR | aljazira bank | $3.7B | 66 |
| 8060.SR | Walaa Cooperative Insurance Company | $365M | 47 |
| 1140.SR | Bank Albilad | $8.4B | 54 |
| 8070.SR | Arabian Shield Cooperative Insurance Company | $232M | 46 |
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.