-24.1% below fair valueWould need to rise ~31.8% 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'21 | FY'22 | FY'23 | FY'24 | FY'25 |
|---|---|---|---|---|---|
| Revenue | 0 | 1.03B | 1.21B | 1.45B | 1.19B |
| Net Income | 0 | 12.70M | 93.90M | 49.13M | -244.44M |
| Net Margin | — | 1.2% | 7.8% | 3.4% | -20.5% |
| Operating Cash Flow | 0 | 89.39M | 280.99M | -320.45M | -236.44M |
| OCF Margin | — | 8.7% | 23.3% | -22.2% | -19.8% |
| Capital Expenditure | -5.83M | 0 | -9.77M | -11.61M | -813.0K |
| Free Cash Flow | 0 | 89.39M | 271.22M | -332.07M | -237.25M |
| FCF Margin | — | 8.7% | 22.5% | -23.0% | -19.9% |
| FCF Conversion | — | 703.8% | 288.8% | -675.8% | -97.1% |
| EPS (Diluted) | 0.00/sh | 0.25/sh | 1.88/sh | 0.98/sh | -4.89/sh |
| Dividend / Share | 0.00/sh | 0.00/sh | 0.00/sh | 0.60/sh | 0.60/sh |
At this rate, dividends alone return your capital in ~10.9 years.
Dividend / share & historical yield (SAR).
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 | — | 0.60 | — | — | 0.60 | 5.0% |
| 2024 | — | 0.60 | — | — | 0.60 | 3.1% |
| 2023 | — | — | — | — | — | — |
| 2022 | — | — | — | — | — | — |
Fair value = median of the applicable methods (DDM).
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 Al-Etihad 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.