- Al Rayan Bank’s net income for the first half of 2025 reached 821.4 million riyals, marking a 4.1% increase compared to the previous year.
- Earnings per share (EPS) grew to 0.0880 riyals from 0.0850 riyals year-over-year.
- Total deposits increased by 1.6% year-over-year to 110.67 billion riyals.
- The bank’s cost to income ratio climbed to 28.3% from 26.2% the previous year.
- Non-performing loans decreased by 5% to 6.31 billion riyals.
- The ratio of non-performing loans improved, reducing to 5.38% from 5.86% year-over-year.
- Capital adequacy ratio saw an increase to 25.9% from 23.7% a year earlier.
- Financing assets experienced growth driven by ongoing demand from both corporate and retail clients.
- Analyst recommendations include 1 buy, 3 holds, and 1 sell.
A look at Masraf Al Rayan QSC Smart Scores
| Factor | Score | Magnitude |
|---|---|---|
| Value | 4 | |
| Dividend | 3 | |
| Growth | 3 | |
| Resilience | 3 | |
| Momentum | 3 | |
| OVERALL SMART SCORE | 3.2 |
Smart Score is a compound score for the Company indicating its overall outlook. It is derived by taking an equally weighted average of underlying Factor scores computed by Smartkarma
According to Smartkarma Smart Scores, Masraf Al Rayan QSC appears to have a positive long-term outlook. With a strong Value score of 4, the company is deemed to offer good value for investors. Additionally, its scores of 3 in Dividend, Growth, Resilience, and Momentum indicate a balanced performance across these key factors. Masraf Al Rayan QSC, which operates based on Islamic principles, continues to attract deposits and offers a range of commercial and investment banking products.
In summary, Masraf Al Rayan QSC is positioned well for the future based on its Smartkarma Smart Scores analysis. Investors may find the company attractive due to its solid performance across various aspects such as value, dividends, growth, resilience, and momentum. As a provider of Islamic banking products, Masraf Al Rayan remains focused on attracting deposits and catering to the needs of its customers in line with Islamic financial principles.
Disclaimer: This article by Smartkarma is general in nature and based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. Note that our articles may not factor in the latest price-sensitive company announcements or qualitative material.
While all reasonable care has been taken in the preparation, Smartkarma makes no assurance about the accuracy of any generated data or content. All content is indicative only and should be independently checked for accuracy and confirmed before use. Smartkarma accepts no responsibility for any loss or damage caused as a result of any inaccuracy or error within the Lab online tools or generated data.
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