Morabaha Marina Financing Co (SAU:4082) Scaled Net Operating Assets: 0.79 (As of Mar. 2026)

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SAU:4082 Morabaha Marina Financing Co SAU:4082
52 GF Score
Price ﷼7.79
GF Value ﷼11.60
Valuation Possible Value Trap
! 3 Warning Signs
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What is Morabaha Marina Financing Co Scaled Net Operating Assets?

Morabaha Marina Financing Co SAU:4082 +0.91% 52 Scaled Net Operating Assets is 0.79 as of Mar. 2026. GuruFocus rates SAU:4082 with a GF Score™ of 52/100 and a GF Value™ of ﷼11.60 (Possible Value Trap). The stock has 3 warning signs investors should review.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Morabaha Marina Financing Co's operating assets for the quarter that ended in Mar. 2026 was ﷼1,180.6 Mil. Morabaha Marina Financing Co's operating liabilities for the quarter that ended in Mar. 2026 was ﷼37.4 Mil. Morabaha Marina Financing Co's Total Assets for the quarter that ended in Dec. 2025 was ﷼1,440.5 Mil. Therefore, Morabaha Marina Financing Co's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.79.


Morabaha Marina Financing Co Scaled Net Operating Assets Historical Data

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The historical data trend for Morabaha Marina Financing Co's Scaled Net Operating Assets can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Morabaha Marina Financing Co Scaled Net Operating Assets Chart

Morabaha Marina Financing Co Annual Data
Trend Dec21 Dec22 Dec23 Dec24 Dec25
Scaled Net Operating Assets
0.94 1.08 0.99 0.95 0.88

Morabaha Marina Financing Co Quarterly Data
Jun21 Sep21 Dec21 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Scaled Net Operating Assets Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.91 0.96 0.85 0.82 0.79

SAU:4082 vs V, MA, AXP: Scaled Net Operating Assets Comparison

For the Credit Services subindustry, Morabaha Marina Financing Co's Scaled Net Operating Assets, along with its competitors' market caps and Scaled Net Operating Assets data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Morabaha Marina Financing Co Scaled Net Operating Assets vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Morabaha Marina Financing Co's Scaled Net Operating Assets distribution charts can be found below:

* The bar in red indicates where Morabaha Marina Financing Co's Scaled Net Operating Assets falls into.


SAU:4082
52GF Score
Morabaha Marina Financing Co SAU:4082
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Morabaha Marina Financing Co Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Morabaha Marina Financing Co's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(1293.541-36.168)/1428.26
=0.88

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Cash, Cash Equivalents, Marketable Securities
=1440.503 - 146.962
=1293.541

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=605.788 - 157.361 - 412.259
=36.168

Morabaha Marina Financing Co's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(1180.622-37.372)/1440.503
=0.79

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Cash, Cash Equivalents, Marketable Securities
=1361.831 - 181.209
=1180.622

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=530.736 - 107.553 - 385.811
=37.372

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

What does a Scaled Net Operating Assets of 0.79 mean?
Morabaha Marina Financing Co (SAU:4082) has a Scaled Net Operating Assets of 0.79 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Morabaha Marina Financing Co and its competitors.
Is Morabaha Marina Financing Co's Scaled Net Operating Assets too high?
Morabaha Marina Financing Co's current Scaled Net Operating Assets is 0.79. Overall, Morabaha Marina Financing Co has a GF Score™ of 52/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Morabaha Marina Financing Co's Scaled Net Operating Assets compare to V and MA?
Morabaha Marina Financing Co's Scaled Net Operating Assets of 0.79 can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Scaled Net Operating Assets for a Credit Services company?
A good Scaled Net Operating Assets depends on the Credit Services industry context. However, Scaled Net Operating Assets should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Morabaha Marina Financing Co and its competitors. Morabaha Marina Financing Co's current Scaled Net Operating Assets is 0.79. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Morabaha Marina Financing Co stock overvalued right now?
Based on GuruFocus' analysis, Morabaha Marina Financing Co (SAU:4082) is currently considered Possible Value Trap. The stock's GF Value™ is ﷼11.60, compared to a current price of ﷼7.79 — trading 32.8% below its estimated fair value. The current Scaled Net Operating Assets is 0.79. Morabaha Marina Financing Co's overall GF Score™ is 52/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Morabaha Marina Financing Co (SAU:4082), the current Scaled Net Operating Assets is 0.79 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Morabaha Marina Financing Co (SAU:4082) Overvalued in 2026?

Based on GuruFocus' analysis, Morabaha Marina Financing Co stock appears to be undervalued. The current stock price of ﷼7.79 is trading 32.8% below its estimated GF Value™ of ﷼11.60. GuruFocus considers Morabaha Marina Financing Co to be Possible Value Trap.

Key valuation signals for SAU:4082:

  • Scaled Net Operating Assets: 0.79
  • GF Value™: ﷼11.60 vs. price of ﷼7.79 (32.8% below fair value)
  • GF Score™: 52/100 with 3 warning signs

No single metric tells the full story. See the SAU:4082 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Morabaha Marina Financing Co Business Description

Address Northern Ring Branch Street, P.O. Box 8055, Al Nakheel District, Riyadh, SAU, 12385
Morabaha Marina Financing Co provides non-bank financing. The company follows Sharia principles and offers flexible solutions in financing individuals and small and medium enterprises in the Kingdom of Saudi Arabia, in addition to evolved financing solutions such as tawarruq, ejara, and morabaha products. Its services, like individual financing, securitization, financial leasing, discounting, etc, are offered through a network of brand offices and point of sale centers across different cities in Saudi Arabia. Additionally, the company also offers electronic payment services and is developing digital channels to offer financial solutions through its official website. Its operating business segments are: Retail, which generates the maximum revenue, SMEs, Digital Payments, and Head Office.
52GF Score

Get the complete analysis for SAU:4082

Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

﷼7.79
Price
﷼11.60
GF Value