SHL Finance Company
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from SHL Finance Company's yearly results (2022–2025), compared with Financial Services companies in Saudi Arabia. Tap ? on any ratio for what it means.
What stands out
- Growth Efficiency Ratio: Sales grew 6% in 3 years, but profit fell: SAR 382 less profit per SAR 100 of extra sales. Lower than almost all Financial Services companies in Saudi Arabia.
- Tangible Net Worth Ratio: Of every SAR 100 of net worth, SAR 100 is tangible; the rest is goodwill and other intangibles, often from buying other companies. More tangible than 95% of Financial Services companies in Saudi Arabia.
- Tangible Assets Ratio: Of every SAR 100 the company owns, SAR 100 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles. More tangible than 95% of Financial Services companies in Saudi Arabia.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
2/3 · 2/3Sales grew in 2 of the last 3 years; profit grew in 2 of 3.
Steadier than 56% of Financial Services companies in Saudi Arabia.
Growth Efficiency Ratio
−SAR 382Sales grew 6% in 3 years, but profit fell: SAR 382 less profit per SAR 100 of extra sales.
Lower than almost all Financial Services companies in Saudi Arabia.
Asset Productivity Ratio
+6% / +9%In 3 years sales changed by +6% while total assets changed by +9%. Both moved at about the same pace.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
100%Of every SAR 100 the company owns, SAR 100 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
More tangible than 95% of Financial Services companies in Saudi Arabia.
Tangible Net Worth Ratio
100%Of every SAR 100 of net worth, SAR 100 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
More tangible than 95% of Financial Services companies in Saudi Arabia.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
SHL Finance Company owes SAR 0.65 for every SAR 1 it owns. Net profit rose 91% in the year to Dec 2025, and shrank 19% a year on average over 3 years.
Compared with Financial Services companies in Saudi Arabia · latest annual results Dec 2025.
P/E ratio
18.7Investors pay SAR 18.7 for every SAR 1 of SHL Finance Company's yearly profit, higher than 70% of Financial Services companies in Saudi Arabia.
P/B ratio
0.65The share price is 0.65 times SHL Finance Company's book value per share, lower than 82% of Financial Services companies in Saudi Arabia.
Market cap
SAR 1.1 BThe total market value of all of SHL Finance Company's shares at today's price (share price × number of shares), larger than 55% of Financial Services companies in Saudi Arabia. PosiCap size class: Mini Cap.
Net worth (book value)
SAR 1.7 BWhat SHL Finance Company would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
SAR 17.23Net worth divided by the number of shares. The share price of SAR 11.20 is 0.7 times this, which is the P/B above.
Return on equity (ROE)
3.5%SHL Finance Company earned 3.5% on its shareholders' money over the last year, higher than 59% of Financial Services companies in Saudi Arabia.
Owes vs Owns
0.65×SHL Finance Company owes SAR 0.65 for every SAR 1 it owns (moderate), lower than 60% of Financial Services companies in Saudi Arabia. Banks and lenders usually show higher figures.
Dividend yield
4.57%SHL Finance Company pays 4.57% of its share price as dividends a year, lower than 74% of dividend-paying Financial Services companies in Saudi Arabia.
Revenue growth
+39%Revenue rose 39% in the year to Dec 2025, and grew 2% a year on average over 3 years.
Profit growth
+91%Net profit rose 91% in the year to Dec 2025, and shrank 19% a year on average over 3 years.
Profit margin
25.2%SHL Finance Company keeps SAR 25 of every SAR 100 of revenue as net profit.
Questions
What is SHL Finance Company's P/E ratio?
Investors pay SAR 18.7 for every SAR 1 of SHL Finance Company's yearly profit, higher than 70% of Financial Services companies in Saudi Arabia.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For SHL Finance Company: SAR 1.1 B ÷ SAR 1.7 B (30 Jun 2026) = 0.7.
What is SHL Finance Company's return on equity?
SHL Finance Company earned 3.5% on its shareholders' money over the last year, higher than 59% of Financial Services companies in Saudi Arabia.
How much does SHL Finance Company owe compared with what it owns?
SHL Finance Company owes SAR 0.65 for every SAR 1 it owns (moderate), lower than 60% of Financial Services companies in Saudi Arabia. Banks and lenders usually show higher figures.
Does SHL Finance Company pay a dividend?
Yes. SHL Finance Company pays 4.57% of its share price as dividends a year, lower than 74% of dividend-paying Financial Services companies in Saudi Arabia.
Is SHL Finance Company's revenue growing?
Revenue rose 39% in the year to Dec 2025, and grew 2% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.