+110.0% above fair valueWould need to fall ~52.4% 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 | 136.52M | 164.81M | 180.30M | 195.44M |
| Net Income | 12.54M | 24.82M | 16.29M | 10.62M |
| Net Margin | 9.2% | 15.1% | 9.0% | 5.4% |
| Operating Cash Flow | 25.03M | 36.17M | 14.51M | 29.13M |
| OCF Margin | 18.3% | 21.9% | 8.0% | 14.9% |
| Capital Expenditure | -2.54M | -1.88M | -1.87M | -3.61M |
| Free Cash Flow | 22.49M | 34.29M | 12.64M | 25.52M |
| FCF Margin | 16.5% | 20.8% | 7.0% | 13.1% |
| FCF Conversion | 179.4% | 138.2% | 77.6% | 240.3% |
| EPS (Diluted) | 0.32/sh | 0.83/sh | 0.41/sh | 0.27/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).
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 Chubb Arabia 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.