+103.3% above fair valueWould need to fall ~50.8% 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.
Covers 19 years · FY2007–FY2025
| Metric | FY'21 | FY'22 | FY'23 | FY'24 | FY'25 |
|---|---|---|---|---|---|
| Revenue | 121.65B | 128.21B | 156.53B | 173.50B | 182.15B |
| Net Income | 48.33B | 36.78B | 48.66B | 57.67B | 56.36B |
| Net Margin | 39.7% | 28.7% | 31.1% | 33.2% | 30.9% |
| Operating Cash Flow | 78.08B | 107.12B | 12.97B | -42.01B | -147.78B |
| OCF Margin | 64.2% | 83.5% | 8.3% | -24.2% | -81.1% |
| Capital Expenditure | — | — | — | — | — |
| Free Cash Flow | 78.08B | 107.12B | 12.97B | -42.01B | -147.78B |
| FCF Margin | 64.2% | 83.5% | 8.3% | -24.2% | -81.1% |
| FCF Conversion | 161.6% | 291.2% | 26.7% | -72.8% | -262.2% |
| EPS (Diluted) | 18.04/sh | 13.73/sh | 18.16/sh | 21.52/sh | 21.04/sh |
| Dividend / Share | 4.80/sh | 5.06/sh | 5.02/sh | 5.52/sh | 6.20/sh |
At this rate, dividends alone return your capital in ~56.9 years.
Dividend / share & historical yield (USD).
Per-share dividends by quarter, full-year total, and yield on the year's average price · USD
| Year | Q1 | Q2 | Q3 | Q4 | Full year | Yield (avg) |
|---|---|---|---|---|---|---|
| 2026 | — | 1.50 | 1.50 | — | 3.00 | 0.9% |
| 2025 | 1.25 | 1.40 | 1.40 | 1.50 | 6.20 | 2.1% |
| 2024 | — | — | — | — | 5.52 | 2.3% |
| 2023 | — | — | — | — | 5.02 | 3.2% |
| 2022 | — | — | — | — | 5.06 | 3.8% |
Fair value = median of the applicable methods (DDM، Graham، Residual Income، Earnings Power).
Each method below is a different lens on the same company — no single method dominates the result.
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 JPMorgan Chase & Co. regularly?
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AAOIFI-style financial screens on the latest annual figures.
Source: Maktab Al-Maqased (Sh. Al-Osaimi) — Annual Report FY2024
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.
Source check (FY2025): 6 confirmed · 1 single-source — across filings, Yahoo & Tadawul.