+65.4% above fair valueWould need to fall ~39.6% 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 | 455.77M | 730.59M | 577.80M | 660.28M |
| Net Income | 7.26M | 66.29M | 30.15M | -45.18M |
| Net Margin | 1.6% | 9.1% | 5.2% | -6.8% |
| Operating Cash Flow | 132.33M | 79.88M | -22.25M | 122.13M |
| OCF Margin | 29.0% | 10.9% | -3.9% | 18.5% |
| Capital Expenditure | -5.74M | -5.13M | -6.66M | -5.39M |
| Free Cash Flow | 126.60M | 74.75M | -28.91M | 116.74M |
| FCF Margin | 27.8% | 10.2% | -5.0% | 17.7% |
| FCF Conversion | 1,744.8% | 112.8% | -95.9% | 258.4% |
| EPS (Diluted) | 0.21/sh | 1.14/sh | 0.57/sh | -0.85/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 earnings (reported free cash flow was distorted) that supports a value. The other methods (DDM, Graham, RIM, EPV) use current / normalized figures.
Exceptional item: a non-recurring item (a one-off gain or special dividend) was normalized out, so the fair value reflects sustainable performance — not a transient spike.
Tune these per company in the Hajras Odoo backend; values recompute automatically.
What if you'd invested in Arabia Insurance Cooperative 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.