1. Saudi Arabia Stocks

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    Financial Services

  3. •

    Asset Management
United International Holding Company

United International Holding Company

4083.SR
United International Holding CompanySA flagSaudi Exchange
35.10
SAR
-0.22
- -
1.76BMarket Cap
United International Holding Company
4083.SR
(Saudi Exchange)

Recent

price

35.10

P/E

ratio

- -

div

yld

- -

ROIC.AI

2023
2024
2025
TTM
FRC
7.28
8.66
10.69
8.35
Revenue per Share
2.95
3.09
3.78
2.73
Basic EPS, GAAP
-1.52
-4.56
-4.36
-1.21
Free Cash Flow per Basic Share
- -
- -
- -
- -
Dividend per Share
8.96
14.84
18.54
19.44
Book Value per Share
12.1
15.2
18.94
19.84
Tangible Book Value per Share
72
72
72
72
Basic Weighted Avg Shares
524
624
769
601
Sales/Revenue/Turnover
56.9
52.66
52.42
49.59
Operating Margin (%)
6
7
7
6
Depreciation Expense
212
222
272
197
Net Income, GAAP
10.32
10.33
11.4
11.97
Effective Tax Rate (%)
40.5
35.66
35.37
32.73
Profit Margin (%)
534
767
1,116
1,102
Working Capital
667
851
1,097
1,073
LT Debt
891
1,113
1,403
1,467
Total Equity
- -
13.92
13.11
9.02
Return on Invested Capital (%)
- -
14.93
13.4
9.68
Return on Capital (%)
- -
25.95
22.64
16.91
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
561
611
LT Borrowings
- -
1,091
1,068
LT Finance Leases
- -
6
6
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
72
72
72
Market Capitalization
4,000
3,872
3,152

Working Capital

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
1,764
1,850
Cash, Cash Equivalents & STI
- -
1,743
1,829
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
648
748
Payables & Accruals
- -
- -
- -
ST Debt
- -
561
611
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
- -
26.08%
Free Cash Flow
- -
- -
-4.47%
Net Income, GAAP
- -
- -
22.38%
Sales/Revenue/Turnover
- -
- -
23.38%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
139
150
- -
- -
624
2025
175
192
- -
203
769
2026
205
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.73
0.65
- -
- -
3.09
2025
0.8
0.83
- -
- -
3.78
2026
0.89
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
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Business
United International Holding Company (4083.SR), a Saudi Arabia-based holding company founded in 2021 and headquartered in Al Khobar, operates primarily in the consumer finance sector through its subsidiaries United Company for Financial Services (Tasheel Finance) and Procco Financial Services W.L.L.; it provides product finance via Murabaha, personal finance through Tawarruq loans, and credit card financing services to individual customers in the Kingdom of Saudi Arabia, while also investing in stocks and securities, extending loans, guarantees, and financing to affiliates, and offering remote processing, data backup, credit card payment processing, call center operations, application processing, and IT support for financial institutions. The company, a subsidiary of United Electronics Company (eXtra), maintains operations licensed by the Saudi Central Bank and the Central Bank of Bahrain, targeting retail consumers with end-to-end digital financing solutions amid a competitive market. In late 2024, it listed 30% of its shares, or 7.5 million shares, on the Saudi Tadawul main market following Capital Market Authority approval and a public offering with book-building from October 28 to November 4 and retail tranche on November 19-20, marking its transition to a publicly traded entity.