Is Yamama Cement (3020) Halal?
Shariah Screening — 5 Standards
Based on financial data from December 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | 37.5% / 30% | 1.3% / 30% | 4.9% / 30% | 0.0% / 5% | ✗ NOT HALAL |
| DJIM | 37.5% / 33% | 1.3% / 33% | 4.9% / 33% | 0.0% / 5% | ✗ NOT HALAL |
| MSCI | 24.5% / 33% | 0.8% / 33% | 3.2% / 33% | 0.0% / 5% | ✓ HALAL |
| S&P | 37.5% / 33% | 1.3% / 33% | 4.9% / 33% | 0.0% / 5% | ✗ NOT HALAL |
| FTSE | 24.5% / 33% | 0.8% / 33% | 3.2% / 50% | 0.0% / 5% | ✓ HALAL |
Financial Highlights
Profitability
| Gross Margin | 37.5% | |
| Operating Margin | 25.9% | |
| Net Margin | 33.9% | |
| Return on Equity (ROE) | 9.8% | |
| Return on Assets (ROA) | 3.5% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $599M |
| Free Cash Flow | $183M |
| Total Debt | $1.8B |
| Debt-to-Equity | 37.0 |
| Current Ratio | 1.4 |
| Total Assets | $7.5B |
Price & Trading
| Last Close | SAR 25.62 |
| 50-Day MA | SAR 25.66 |
| 200-Day MA | SAR 28.64 |
| Avg Volume | 482K |
| Beta | 0.3 |
|
52-Week Range
SAR 22.59
| |
About Yamama Cement (3020)
YAMAMA Cement Company manufactures and sells cement in Saudi Arabia. It offers ordinary Portland, salt-resistant, sulfate-resisting Portland, clinker, and finishing cement products. YAMAMA Cement Company was founded in 1956 and is headquartered in Riyadh, Saudi Arabia.
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Frequently Asked Questions
Is Yamama Cement (3020) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), Yamama Cement is Not Halal. The company fails one or more screening criteria. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is Yamama Cement's debt ratio?
Yamama Cement's debt ratio is 37.5% under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%. Under MSCI and FTSE (which use total assets as the denominator), the debt ratio is 24.5%.
What are Yamama Cement's key financial metrics?
Yamama Cement has a market capitalization of $5.2B, trailing P/E ratio of 10.7, and revenue of $1.4B. The company maintains a gross margin of 37.5% and a net margin of 33.9%. Return on equity stands at 9.8%.
How often is the screening data updated?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.