SHM Academy

18/11/2025

Mahana ETF (MIIETF) update for SIP beginners:

If you’re planning to start a Systematic Investment Plan (SIP), the Mahaana ETF listed on PSX is a solid choice. It covers the top 30 Shariah-compliant stocks (KMI All Share Index), managed by Mahaana Wealth Ltd. CDC is the custodian, while JS Global is the market maker.

Why is it good for SIP beginners?

Lets you invest small amounts regularly ideal for building investment discipline and long-term growth.
Lower costs, hassle-free trading.

Diversification and market-wide exposure help reduce risk.

Fully Shariah-compliant, suitable for Islamic finance investors.

Caution:

This is an informative message only, not investment advice. Please invest at your own discretion and do your own research before making any financial decisions.

𝕀𝕟𝕧𝕖𝕤𝕥𝕄𝕖𝕟𝕥𝕚𝕤
█▓▒­░⡷⠂03002420111 ⠐⢾░▒▓█

30/10/2025

Mari Petroleum (MARI) is a main oil & gas E&P stock on PSX. It currently trades around 691–730 PKR, with October 2025 close at 691.48 PKR after recent profit declines and royalty cost pressures.



Short-term indicators are neutral to mildly bullish, with mid/long-term consolidation and key levels near 649 PKR (support) and 706 PKR (resistance).

Fundamental snapshot
Latest financials (Q1 FY2025-26):

Net sales 45.4 billion PKR, net profit 15.6 billion PKR,
EPS 13.03 PKR. Results affected by higher royalty expense and gas system curtailments.

Annual performance (FY2025):

Gross sales down 2% to 200.2 billion PKR;
PAT down 15% YoY to 65.4 billion PKR;
EPS 54.45 PKR.

Profitability pressured by higher royalties from Nov 2024, gas supply curtailments and volume shifts to SNGP, lower production, and higher financing costs.

Dividend: Final cash dividend of 21.7 PKR per share announced; payout kept steady despite weaker profits.

Seasonality and sales trendsMonthly/quarterly trends: Sales mostly flat to slightly up YoY, but vulnerable to system issues and government payments in Q2 and Q4 (royalty adjustments and gas allocations). Notable drops often in Q2 (Jan–Mar) and Q4 (Apr–Jun) due to seasonality and outages.

Major fluctuation drivers:
Royalty/tax policy shifts (e.g., Nov 2024), field outages or pipeline disruptions, changes in regulated gas prices and SNGP demand, exploration results.

Technical overview

Short-term: Bullish timing suggested by some charts, with price above key supports. RSI and MACD indicate stabilization; occasional unusual volume/rallies possible, but resistance below last year’s highs.

Price history: All-time highs above 900 PKR in Dec 2024; recent months consolidated in 650–750 PKR range due to weaker earnings.

Forecasts: Most targets for late 2025 sit in the 651–725 PKR band.

Price projections at a glance

October 2025:
691–730 PKR (stable, post-profit warning)

December 2025:
~797.6–820 PKR (modest upside from seasonal dividend effect)

June 2026:
691–863 PKR (high volatility anticipated; summer dips possible)
Key patterns to watch Peak profits and prices align with new discoveries or regulatory improvements (historical era 2018–2023).

Winter strength in sales (Q1: Oct–Dec) followed by softer quarters due to cost adjustments and curtailments.
Dividends, royalty changes, and major gas finds/outages drive sharp price moves.

In Short, MARI remains fundamentally solid among E&P peers but faces royalty-driven and supply-disruption risks. Monitor quarterly regulatory costs, buyer allocation, and outage news for quick price adjustments.
Current fair price range is 691–730 PKR, with a potential 797–820 PKR by December 2025 and 691–860 PKR (wide band) by June 2026, reflecting cycles and volatility.

𝕀𝕟𝕧𝕖𝕤𝕥𝕄𝕖𝕟𝕥𝕚𝕤
█▓▒­░⡷⠂03002420111⠐⢾░▒▓█

14/08/2025

*Job Title: Accounts Officer*

We're seeking a graduate-level candidate with strong accounting knowledge and expertise in MS Excel for our Travel and Transport company. The ideal candidate should have 2-3 years of experience. Fresh graduates with excellent Excel skills can also apply for a Junior-level position.

*Key Requirements:*

- Graduate degree
- Strong accounting knowledge
- Proficiency in MS Excel
- 2-3 years of experience

*Apply Now!*
+92 320 5486152

14/01/2024

https://youtu.be/iEdid7wZxj0?si=3bDF1D7Do2ZtMmQu

👆🏻👆🏻👆🏻

*Amazon me Halal Selling* kese kare..

*Islamic Business Law's and Boundaries*

💖💝💵💴💶💷💸🪙💰💳💖💝

Dropshipping in Islam M***i Tariq Masood Channel: https://www.youtube.com/channel/UCluamdq3cjdNbCwjCkiD_IgAll Videos: https://www.you...

22/04/2023

وَ لَلۡاٰخِرَۃُ خَیۡرٌ لَّکَ مِنَ الۡاُوۡلٰی°
تمہارا مستقبل تمہارے ماضی سے بہتر ہوگا°❤️
(القرآن :93.4)

Eid Mubarak to You and Your Family.

19/01/2023

SHM Academy is a unique educational institution that offers traditional academic subjects such as economics, mathematics, and accounting in an engaging and interactive way.
The Academy is focused on providing students with a strong foundation in these subjects, while also fostering a halal personal finance mindset. This approach emphasizes the importance of ethical and responsible financial practices and helps students to develop an Islamic understanding of the role of money and finance in their lives. The Academy's curriculum is designed to be both challenging and stimulating and is taught by experienced and knowledgeable instructors who are committed to helping students succeed.
Overall, SHM Academy is a great choice for anyone looking to gain a solid understanding of traditional academic subjects while also developing important financial skills and knowledge.

11/01/2023

03/01/2023

Q: What steps should a citizen take before the declaration of Default to reduce the impact?

A: It is generally not possible for individuals to prevent a country from defaulting on its debt, as this is a decision that is made by the government and is influenced by a wide range of economic and political factors. However, there are steps that individuals can take to protect themselves and their families in the event of a default or economic crisis:

• Build an emergency fund: Having a financial cushion can help you weather short-term financial setbacks, such as job loss or unexpected expenses.

• Diversify your investments: Consider spreading your investments across a range of asset classes, such as stocks, bonds, and cash, to reduce the impact of market fluctuations on your portfolio.

• Manage your debt: Try to pay off high-interest debts, such as credit card balances, and consider refinancing any outstanding loans to secure a lower interest rate.

• Have a plan for essential expenses: Make a budget and prioritize your spending on essential expenses, such as housing, food, and healthcare.

• Stay informed: Keep track of economic developments and be aware of any potential risks to your financial situation.

It is always a good idea to have a plan in place to protect your financial well-being, regardless of the state of the economy.

What steps should a citizen take before the declaration of Default to reduce the impact? It is generally not possible for individuals to prevent a country from defaulting on its debt, as this is a decision that is made by the government and is influenced by a wide range of economic and political fac...

31/12/2022