+16.6% above fair valueWould need to fall ~14.2% to reach fair value.
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.
Revenue, net income and margin.
| Metric | FY'22 | FY'23 | FY'24 | FY'25 |
|---|---|---|---|---|
| Revenue | 627.70M | 881.31M | 1.15B | 1.40B |
| Net Income | -18.23M | 66.94M | 71.00M | -43.75M |
| Net Margin | -2.9% | 7.6% | 6.2% | -3.1% |
| Operating Cash Flow | 85.39M | 228.41M | -31.69M | 50.08M |
| OCF Margin | 13.6% | 25.9% | -2.8% | 3.6% |
| Capital Expenditure | -6.77M | -9.22M | -8.53M | -25.11M |
| Free Cash Flow | 78.62M | 219.19M | -40.22M | 24.96M |
| FCF Margin | 12.5% | 24.9% | -3.5% | 1.8% |
| FCF Conversion | 431.4% | 327.4% | -56.7% | 57.1% |
| EPS (Diluted) | -0.29/sh | 1.01/sh | 0.89/sh | -0.55/sh |
| Dividend / Share | 0.00/sh | 0.00/sh | 0.00/sh | 0.00/sh |
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 / share & historical yield (SAR).
No dividend history — this company doesn’t currently pay a dividend.
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 | — | — | — | — | — | — |
| 2022 | — | — | — | — | — | — |
Fair value = median of the applicable methods (Graham).
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.
Tune these per company in the Hajras Odoo backend; values recompute automatically.
What if you'd invested in Arabian Shield Cooperative Insurance Company regularly?
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AAOIFI-style financial screens on the latest annual figures.
Measurable on 1 of 4 AAOIFI ratios; 3 not in this dataset.
Screening estimate, not a fatwa — we never pass a ratio without showing it. Verify with a qualified Shariah board.
Zakat due on a shareholding at today's price.
Long-term base uses cash & equivalents only (receivables and inventory are not in our data), so it understates zakat.
Zakat is due only after one full lunar year of ownership (hawl).
Estimate only, not a ZATCA filing — zakat on shares depends on intent (trading vs long-term). Consult a specialist.