+30.1% above fair valueWould need to fall ~23.1% 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 | 433.33M | 624.46M | 740.87M | 933.79M |
| Net Income | -18.30M | 125.04M | 43.65M | -83.63M |
| Net Margin | -4.2% | 20.0% | 5.9% | -9.0% |
| Operating Cash Flow | -71.57M | 138.84M | 64.86M | -89.15M |
| OCF Margin | -16.5% | 22.2% | 8.8% | -9.5% |
| Capital Expenditure | -11.86M | -11.23M | -14.86M | -3.42M |
| Free Cash Flow | -83.43M | 127.61M | 50.00M | -92.57M |
| FCF Margin | -19.3% | 20.4% | 6.7% | -9.9% |
| FCF Conversion | -455.9% | 102.1% | 114.6% | -110.7% |
| EPS (Diluted) | -0.47/sh | 2.72/sh | 0.95/sh | -1.82/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.
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 Gulf Union Alahlia 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.