The Screen · Consumer Defensive · Specialty Retail
Savola Group
4190.SR · TADAWUL · SAR · Market cap $19.6B
Jarir Marketing Company, together with its subsidiaries, engages in the retail and wholesale trading of office and school supplies in the Kingdom of Saudi Arabia, Egypt, and other Gulf countries.
Not yet scored
16.36 SAR
At the last full screen 2026-06-14
Screened 2026-06-14 · the tape above runs as of 22:40 UTC · 24 Jul · two dates, stated on purpose · verdict and workings shown in full · never trimmed
The Label · The Season, Not the Day
This name holds its markup label.
Savola Group holds its Markup at $16.36. The statistical read favours the buyers, held for 2 days.
As held on the ledger · 2026-06-14
Phase
Markup
Quantitative state
The statistical read favours the buyers, held for 2 days
Price at the screen
$16.36
Valuation
18.18 trailing · 19.25 forward price to earnings
Values screen
Not scored· score 70.0
Beta
0.34
The Workings
Five Screens, Shown in Full
This security has not been fully scored against the values screen yet.
Test
Figure
Limit
What it means
Status
Business activity
Permissible
Core business clean
Its core business isn't built on prohibited lines: no gambling, alcohol, tobacco, weapons, or interest-based lending.
Pass
Debt load
16.85%
Below 33%
Interest-bearing debt is just 16.9% of its assets, well under the one-third ceiling: it does not run on borrowed money.
Pass
Interest-bearing cash
6.14%
Below 33%
Cash held in interest-bearing accounts and securities is 6.1% of assets, under the one-third limit.
Pass
Receivables
4.28%
Below 49%
Money owed to the company is 4.3% of assets, under the 49% limit.
Pass
Revenue purity
-0.42%
Below 5%
Only -0.4% of revenue comes from non-compliant sources, under the 5% line.
Pass
Five checks adapted from AAOIFI screening standards: business activity plus four balance-sheet ratios. All five must pass for ethical clearance. Every figure is arithmetic on public accounts, not judgement.
What the Numbers Say It Is Worth
The Fair Value Range
Our framework reads AVOID: it trades above our $15.43 fair value estimate, 14.40% revenue growth.
Fair value range in SAR, drawn from the 2026-06-14 screen. The gold marker is the market price at the same screen. The price runs 5.7% above the base estimate.
Third-party analyst targets: 12 covering, consensus Hold. The average target sits −5% from the screen price.
Reading the gap · Both our model and the Street see limited upside at this price.
Price History & Projections
Where it has been, where the models see it going. History from market close data; projection points are our fair-value estimates and third-party analyst targets, dated to the 2026-06-14 screen.
Fair value and rating are our own model estimates; the Street's range reflects third-party analyst estimates. Analysis, not advice.
The Business, in Plain Words
Why it gives us pause
At 19.2x forward earnings, the price already runs ahead of the business. It trades 6% above our $15.43 fair value, so you would be buying at a premium, not a discount.
The risks · The things to watch: its business and earnings are exposed to Saudi Arabia and to currency swings.
Plain-English interpretation of our own screen data. Analysis, not advice.
Where & How to Trade
4190.SR trades on TADAWUL (the company is based in Saudi Arabia). As a listed security it is accessible through almost any international broker offering its home market. New to this, or investing from abroad? Our guide to accessing global markets covers brokers, currencies and the practical steps.
The Dated Journal · Newest First, Never Edited
Every Entry, As Written
2026-07-19Markup$16.36+0.0%Entry 5
The framework reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns. Our composite framework grades it A, carrying a low risk profile. Technically it is holding around 17% above its long-term trend line with momentum reading overbought. Over the past year the shares are up 38%. Our forward projection puts the odds of a 10% gain over the next month near 7%. The street (12 analysts) rates it buy, with a mean price target of $15.
2026-07-18Markup$16.36+0.0%Entry 4
The framework reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns. Our composite framework grades it A, carrying a low risk profile. Technically it is holding around 17% above its long-term trend line with momentum reading overbought. Over the past year the shares are up 38%. Our forward projection puts the odds of a 10% gain over the next month near 7%. The street (12 analysts) rates it buy, with a mean price target of $15.
2026-07-15Markup$16.36+0.0%Entry 3
The framework reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns.
2026-07-03Markup$16.36+0.0%Entry 2
The framework reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns.
2026-07-02Markup$16.36Entry 1
The framework reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns.
Each entry above was written on its date, before the outcome. A journal you can prune is not a journal.
What Holding Actually Paid · Price Plus Dividends
If $1,000 had been placed · historical, not a promise
Period
Price then
Price return
Divs per share
$1,000 became
Total return
1 month
$14.88
+8.6%
$0.21
$1,100
+10.0%
2 months
$14.04
+15.1%
$0.21
$1,166
+16.6%
3 months
$13.52
+19.5%
$0.47
$1,230
+23.0%
6 months
$12.26
+31.8%
$0.47
$1,357
+35.7%
1 year
$11.69
+38.3%
$0.91
$1,461
+46.1%
2 years
$11.70
+38.2%
$1.74
$1,530
+53.0%
3 years
$13.94
+16.0%
$2.56
$1,343
+34.3%
5 years
$15.97
+1.2%
$4.10
$1,269
+26.9%
Historical returns from market close data. Past performance does not guarantee future results.
The Ledger's Promise
This entry now belongs to the ledger. Whatever 4190.SR does next, these words stay.
Savola Group · 4190.SR · Markup · $16.36
Recorded 2026-06-14 · before the outcome · scored mechanically