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United International Holding Company (4083.SR)
Al Khobar, SA
Operating across Saudi Arabia, United International Holding Company and its affiliates deliver a suite of digital financial solutions to consumers. These primarily involve personal loans, installment payment options, and credit card facilities. Beyond its consumer-facing activities, the company also offers a variety of support services to financial institutions and other businesses. These B2B offerings include managing processing operations, providing remote technical assistance, ensuring data backup, facilitating card payments, and supplying general technical expertise. Additionally, they handle call center operations, application processing, and comprehensive IT support for their corporate clients. Established in 2021, United International Holding Company is headquartered in Al Khobar, Saudi Arabia, and functions as a subsidiary of United Electronics Company.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +2.80% | -3.55% | +1.06% | -69.51% | -72.76% | -71.59% | -74.94% | -74.36% | -74.36% | -74.36% | -74.36% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 0 | 0 |
| Buy | 4 | 0 |
| Hold | 1 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
-
Revenue growth Asset Management: +17.4%+23.4% ★ Q2'26: +6.5% (vs Q2'25)
-
EPS growth Asset Management: +22.7%+22.5% Q2'26: -46.4% (vs Q2'25)
-
FCF margin FCF growth · Asset Management: +27.7%-58.9% Q2'26: +16.3% (vs Q2'25)
-
EBIT margin Asset Management: +50.6%+52.5% ★ Q2'26: +0.0% (vs Q2'25)
-
ROIC Asset Management: +6.5%+12.0% ★
-
Share dilution Asset Management: +0.0%+0.4% Q2'26: +50.0% (vs Q2'25)
-
Debt / EBITDA Net debt/EBITDA · Asset Management: -0.03×4.04×
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
| Metric |
Dec 2024 actual |
Dec 2025 actual |
Dec 2026 2 Rev. Ana. 2 EPS Ana. |
Dec 2027 3 Rev. Ana. 3 EPS Ana. |
Dec 2028 3 Rev. Ana. 3 EPS Ana. |
Dec 2029 2 Rev. Ana. 1 EPS Ana. |
Dec 2030 1 Rev. Ana. |
|---|---|---|---|---|---|---|---|
| Revenue |
623.67M
est: 540.90M (+15.3%)
|
769.47M
est: 679.14M (+13.3%)
|
784.86M
782.33M – 787.38M
+15.6% YoY
|
860.43M
830.89M – 909.99M
+9.6% YoY
|
960.28M
952.99M – 967.57M
+11.6% YoY
|
1.16B
1.13B – 1.19B
+20.4% YoY
|
1.33B
1.30B – 1.37B
+15.1% YoY
|
| EBITDA |
334.97M
est: 299.49M (+11.8%)
|
411.25M
est: 376.03M (+9.4%)
|
434.57M
433.17M – 435.96M
+15.6% YoY
|
476.41M
460.06M – 503.85M
+9.6% YoY
|
531.70M
527.66M – 535.73M
+11.6% YoY
|
640.06M
627.44M – 660.60M
+20.4% YoY
|
736.96M
722.42M – 760.61M
+15.1% YoY
|
| EBIT |
328.07M
est: 293.40M (+11.8%)
|
404.24M
est: 368.38M (+9.7%)
|
425.73M
424.36M – 427.09M
+15.6% YoY
|
466.72M
450.70M – 493.60M
+9.6% YoY
|
520.88M
516.93M – 524.83M
+11.6% YoY
|
627.04M
614.67M – 647.16M
+20.4% YoY
|
721.97M
707.72M – 745.13M
+15.1% YoY
|
| Net Income |
222.38M
est: 155.11M (+43.4%)
|
273.64M
est: 190.99M (+43.3%)
|
173.01M
162.18M – 183.85M
-9.4% YoY
|
194.32M
162.03M – 226.60M
+12.3% YoY
|
211.44M
186.50M – 236.39M
+8.8% YoY
|
316.08M
307.97M – 329.26M
+49.5% YoY
|
—
— – —
-100.0% YoY
|
| SGA |
33.17M
est: 15.02M (+120.9%)
|
36.80M
est: 18.85M (+95.2%)
|
21.79M
21.72M – 21.86M
+15.6% YoY
|
23.89M
23.07M – 25.26M
+9.6% YoY
|
26.66M
26.46M – 26.86M
+11.6% YoY
|
32.09M
31.46M – 33.12M
+20.4% YoY
|
36.95M
36.22M – 38.14M
+15.1% YoY
|
| EPS |
4.45
est: 3.06 (+45.2%)
|
5.45
est: 3.77 (+44.4%)
|
3.45
3.23 – 3.66
-8.7% YoY
|
3.74
3.23 – 4.51
+8.5% YoY
|
4.35
3.71 – 4.71
+16.2% YoY
|
6.30
6.13 – 6.56
+44.9% YoY
|
—
— – —
-100.0% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-11 | B- | 3/5 | 1/5 | 5/5 | 5/5 | 2/5 | 1/5 | 1/5 |
| 2026-05-10 | B | 3/5 | 1/5 | 5/5 | 5/5 | 2/5 | 2/5 | 1/5 |
| 2026-05-07 | B | 3/5 | 1/5 | 5/5 | 5/5 | 2/5 | 2/5 | 1/5 |
| 2026-05-06 | B | 3/5 | 1/5 | 5/5 | 5/5 | 2/5 | 2/5 | 1/5 |
| 2026-05-05 | B | 3/5 | 1/5 | 5/5 | 5/5 | 2/5 | 2/5 | 1/5 |
| 2026-05-04 | B | 3/5 | 1/5 | 5/5 | 5/5 | 2/5 | 2/5 | 1/5 |
| 2026-05-03 | B- | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-30 | B- | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-29 | B- | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-28 | B- | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-27 | B- | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-26 | B- | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-23 | B- | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-22 | B- | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-21 | B- | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-20 | B- | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-19 | B- | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-16 | B | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 3/5 | 1/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
ETF Ownership
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | iShares MSCI Saudi Arabia ETF KSA | 0.08% | 507.8K | 0.75% |
| 2 | Avantis Emerging Markets Small Cap Equity ETF AVEE | 0.01% | 13.7K | 0.42% |
| 3 | iShares MSCI EM Small Cap UCITS ETF IEMS.L | 0.01% | 34.0K | 0.74% |
| 4 | State Street SPDR MSCI Emerging Markets Small Cap UCITS ETF EMSD.L | 0.01% | 58.0K | 0.55% |
| 5 | Avantis Emerging Markets Equity UCITS ETF USD Acc AVEM.L | 0.00% | 3.2K | 0.35% |
| 6 | iShares Core MSCI EM IMI UCITS ETF EIMU.L | 0.00% | 10.6K | 0.18% |
| 7 | iShares Core MSCI EM IMI UCITS ETF EIMI.L | 0.00% | 258.7K | 0.18% |
| 8 | State Street SPDR MSCI All Country World Investable Market UCITS ETF (Acc) IMID.L | 0.00% | 41.0K | 0.17% |
| 9 | iShares International Country Rotation Active ETF CORO | 0.00% | 27.5K | 1.06% |
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Ahmed Samir Bandari | Board Secretary | — | male |
| Mohammed Galal Ali Fahmi | MD & Vice Chairman | — | male |
| Mujeeb Hazzaa Ahmad Noman | Chief Commercial Officer | — | male |
| Rami Ahmed Shawky Askar | Group Chief Financial Officer, Head of Finance & Finance Director | — | male |
| Sharukh Lali Raja Mohammed Lali | Chief Risk Officer | — | male |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for 4083.SR
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
