In 2024, the company achieved revenue of 158.60 million SAR with earnings of 26.53 million SAR, representing 27.79% revenue growth and 1040.50% earnings growth. The company has a market cap of SAR 2.06 billion and maintains a current ratio of 102.38 with low volatility (beta of 0.02).
Cyborg Score Rationale
Strong earnings growth of 1040% in 2024 and revenue expansion of 28% demonstrate operational momentum. However, the company carries significant leverage with a debt-to-equity ratio of 1.69 and limited dividend payouts, reflecting a capital-intensive financing business model in a niche market.
Top Insights
Exceptional earnings acceleration in 2024 with 1040% profit growth on 28% revenue increase signals operational turnaround.
Strong liquidity position (current ratio 102.38) and low market volatility (beta 0.02) provide portfolio stability.
Debt position of 2.89 billion SAR against 63.60 million cash requires active liability management.
Islamic Sharia-compliant positioning provides differentiation in Saudi Arabia's growing Islamic finance market.
Named Competitors
Real Estate Financing — SHL Finance stakeholder providing real estate financing expertise
Islamic Financing Products — Competing Islamic and conventional lenders in residential/SME finance
Recent Developments
(October 2025) Stock trading at 20.89 SAR with 24.70% gains over 52-week period
(February 2023) Company rebranded from Saudi Home Loans Company to SHL Finance Company
(2024) Achieved 1040% earnings growth reaching 26.53 million SAR profit
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