PSG Financial Services Limited (KST.JO) is currently considered not halal (non-compliant), per In-house ratio engine (last assessed 2026-08-27). See the full ratio breakdown and business-activity screen below for the reasoning.
⚠️ Financial ratios are only half the screen. A company whose core business is in an excluded sector — weapons/defense, alcohol, gambling, conventional (interest-based) finance, tobacco, pork, or adult entertainment — is non-compliant even if every debt and income ratio passes. So passing ratios below don't override this verdict; check the business-activity screen for the reason.
Computed from Yahoo Finance fundamentals (Tier-4 provider, no filing available), balance sheet as of 2026-02-28. KST.JO files no SEC reports, so these ratios come from the issuer's own published statements rather than XBRL.
Business activity: cleared (no excluded categories detected)
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 1.78% | 30.00% | Pass |
| Interest-bearing investments | 31.96% | 30.00% | Fail |
| Non-permissible income | 30.36% | 5.00% | Fail |
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 0.43% | 33.00% | Pass |
| Interest-bearing investments | 7.68% | 33.00% | Pass |
| Non-liquid assets | 90.12% | at least 20.00% | Pass |
| Non-permissible income | 30.36% | 5.00% | Fail |
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 0.43% | 33.33% | Pass |
| Cash + interest-bearing securities | 7.68% | 33.33% | Pass |
| Accounts receivable | 9.88% | 33.33% | Pass |
| Non-permissible income | 30.36% | 5.00% | Fail |
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 0.43% | 33.33% | Pass |
| Cash + interest-bearing securities | 7.68% | 33.33% | Pass |
| Accounts receivable | 9.88% | 50.00% | Pass |
| Non-permissible income | 30.36% | 5.00% | Fail |
Scored against a trailing-average market cap (24-month), share-weighted by the issuer's own reported share counts — not today's market cap.
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 2.42% | 33.00% | Pass |
| Cash + interest-bearing securities | 43.47% | 33.00% | Fail |
| Accounts receivable | 12.43% | 33.00% | Pass |
| Non-permissible income | 30.36% | 5.00% | Fail |
Scored against a trailing-average market cap (36-month), share-weighted by the issuer's own reported share counts — not today's market cap.
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 2.73% | 33.00% | Pass |
| Cash + interest-bearing securities | 49.04% | 49.00% | Fail |
| Accounts receivable | 14.02% | 49.00% | Pass |
| Non-permissible income | 30.36% | 5.00% | Fail |
Scored against a trailing-average market cap (36-month), share-weighted by the issuer's own reported share counts — not today's market cap.
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 2.73% | 33.33% | Pass |
| Cash + interest-bearing securities | 49.04% | 33.33% | Fail |
| Accounts receivable | 63.07% | 49.00% | Fail |
| Non-permissible income | 30.36% | 5.00% | Fail |
Research only, not investment advice. Thresholds are each standard-setter's published limits; a ratio marked “at least” is a floor, not a ceiling.
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Classic floor-trader pivots from the last completed daily bar. Highlighted pills are the levels bracketing the current price.
The range is measured volatility (ATR over the horizon), not a target — a wider band means a more volatile asset, not a stronger view. The direction is the indicator tally above. Every forecast is recorded when made and scored against the real price when it comes due, including the wrong ones. Not a recommendation, and not a fatwa.
| Indicator | Value | Signal |
|---|---|---|
| RSI (14) | 55.30 | NEUTRAL |
| Stochastic %K (14) | 96.34 | SELL |
| CCI (20) | 72.07 | NEUTRAL |
| Williams %R (14) | -3.66 | SELL |
| MACD (12,26,9) | 13.00 | BUY |
| ROC (10) | 6.15 | BUY |
| Momentum (10) | 189.00 | BUY |
| EMA (10) | 3198.00 | BUY |
| SMA (10) | 3191.10 | BUY |
| EMA (20) | 3209.86 | BUY |
| SMA (20) | 3184.90 | BUY |
| EMA (30) | 3222.32 | BUY |
| SMA (30) | 3248.57 | SELL |
| EMA (50) | 3209.77 | BUY |
| SMA (50) | 3304.96 | SELL |
| EMA (100) | 3108.04 | BUY |
| SMA (100) | 3087.90 | BUY |
| EMA (200) | 2914.04 | BUY |
| SMA (200) | 2890.63 | BUY |
Standard indicator thresholds (RSI 30/70, Stochastic 20/80, CCI ±100, Williams %R −80/−20, MACD histogram sign, price vs. average) computed on daily bars. A summary of what common indicators say — not a recommendation, and not this site's own trading verdict.
Financial Services · Asset Management
PSG Financial Services Limited, together with its subsidiaries, provides various financial services and products in South Africa and Namibia. The company operates through three segments: PSG Wealth, PSG Asset Management, and PSG Insure. The PSG Wealth segment offers portfolio management, stockbroking, local and offshore investments, estate planning, financial planning, local and offshore fiduciary, multi-managed solutions, and retirement products to individuals, families, and businesses. The PSG Asset Management segment provides various investment products, including local and global investment products. The PSG Insure segment offers personal short-term insurance products, including home, car, and household insurance; and commercial insurance products, such as business and agri-insurance. The company was formerly known as PSG Konsult Limited and changed its name to PSG Financial Services Limited in August 2023. PSG Financial Services Limited was incorporated in 1993 and is headquartered in Bellville, South Africa.
Background via Yahoo Finance — informational, not part of the verdict.
Peer movement computing — it will appear here on its own.
NO DATA 0 buys · 0 sells
NEUTRAL report date 2026-09-01 · Asset managers net 934180 (-19048)
Plain-language summary of the evidence already on this page — the Sharia screen, structure, momentum, and order flow above. It explains the read; it doesn't make the call. Generated on demand (a live AI call), never run automatically.
