SHL Financeسهل
- Price
- 15.50 SAR
- Fair value
- 9.17 SAR
- Discount to fair value
- −69%
- Mkt cap
- 1.55B
- P/E
- 30.6×
- P/B
- 0.89×
- EV
- 4.41B
- ROE
- 2.9%
- Net margin
- 25.2%
Current price15.5SAR
Fair value (est., median)9.17SAR
UndervaluedFair valueOvervalued
+69.0% above fair valueWould need to fall ~40.8% to reach fair value.
Median ofGraham 13.74Earnings Power 4.6
Health Check
38.1
Overall / 100
Good (66+)Caution (40–65)Risk (<40)
Rewards
—
Risks
- Trades 69% above estimated fair value.
- Stretched balance sheet / elevated debt.
- Low fair-value confidence — methods disagree or data is thin.
Scores are computed automatically from the real financial statements (Value from fair value; the rest from growth, profitability, balance sheet and dividends). A decision aid, not investment advice.
Price, corporate actions & news
Demo series
D — DividendS — Split▲ good · ▼ bad newstap a marker for detailsDemo series
Growth & profitability
Revenue, net income and margin.
RevenueNet incomeNet margin %tap a bar for figures
Key figures
Covers 4 years · FY2022–FY2025
| Metric | FY'22 | FY'23 | FY'24 | FY'25 | TTM'26 |
|---|---|---|---|---|---|
| Revenue | 189.41M | 112.02M | 144.98M | 201.23M | — |
| Net Income | 95.89M | 2.33M | 26.53M | 50.68M | 55.40M |
| Net Margin | 50.6% | 2.1% | 18.3% | 25.2% | — |
| Operating Cash Flow | 147.64M | 164.62M | 112.14M | 59.65M | — |
| OCF Margin | 77.9% | 147.0% | 77.4% | 29.6% | — |
| Capital Expenditure | 360.5K | 2.05M | 1.17M | 2.73M | — |
| Free Cash Flow | 147.28M | 162.57M | 110.97M | 56.92M | — |
| FCF Margin | 77.8% | 145.1% | 76.5% | 28.3% | — |
| FCF Conversion | 153.6% | 6,989.5% | 418.3% | 112.3% | — |
| EPS (Diluted) | 0.96/sh | 0.02/sh | 0.27/sh | 0.51/sh | 0.55/sh |
| Dividend / Share | 0.77/sh | 0.50/sh | — | — | — |
Dividend return (if you buy today)
This company doesn’t currently pay a dividend, so there’s no income return to project. The fair-value gauge above covers the price side.
Dividend history
Dividend / share & historical yield (SAR).
Dividend / share yield %tap a bar for figures
Quarterly dividends & yield
Per-share dividends by quarter, full-year total, and yield on the year's average price · SAR
| Year | Q1 | Q2 | Q3 | Q4 | Full year | Yield (avg) |
|---|---|---|---|---|---|---|
| 2026 | — | — | — | — | — | — |
| 2025 | — | — | — | — | — | — |
| 2024 | — | — | — | — | — | — |
| 2023 | — | — | — | — | 0.50 | — |
| 2022 | — | — | — | — | 0.77 | — |
Valuation breakdown
Fair value = median of the applicable methods (Graham، Earnings Power).
Each method below is a different lens on the same company — no single method dominates the result.
Discounted Cash Flow
Excluded — non-positive free cash flow
N/A
Dividend Discount Model
Excluded — company pays no dividend
N/A
Graham Number
A conservative benchmark built from earnings and book value. · Tap to adjust assumptions
13.74
Residual Income (justified P/B)
Excluded — needs positive book value
N/A
Earnings Power Value
Values today's earning power as-is, assuming no growth. · Tap to adjust assumptions
4.60
DCF only is anchored on FY2025 — the latest year with positive cash flow that supports a value. The other methods (DDM, Graham, RIM, EPV) use current / normalized figures.
Fair Value (median)9.17
▸ Show assumptions▾ Assumptions
- Effective discount rate
- 6.97%
- CAPM cost of equity
- 10.50%
- Risk-free rate
- 4.50%
- Equity risk premium
- 6.00%
- DCF growth (stage 1)
- 8.00%
- DCF terminal growth
- 3.00%
- DCF forecast years
- 5
- DDM dividend growth
- 3.00%
Tune these per company in the Hajras Odoo backend; values recompute automatically.
Wealth simulator
What if you'd invested in SHL Finance regularly?
Starting year
- Invested
- 1K/yr · 1K total(2026 → today · 1 yrs)
- your value today is
- 1K SAR
- Total return
- 0.0%(0.0% Dividends · 0.0% Capital gain)
- Annualised (IRR)
- +0.0%
Invested1KSAR
Dividends0SAR
Capital gain0SAR
InvestedCapital gainDividendstap a bar for figures
Community Notes0
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