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AlRayan Bank Q.P.S.C.

AlRayan Bank Q.P.S.C.

MARK.QA
AlRayan Bank Q.P.S.C.QA flagQatar Stock Exchange
2.00
QAR
+0.00
- -
18.60BMarket Cap
AlRayan Bank Q.P.S.C.
MARK.QA
(Qatar Stock Exchange)

Recent

price

2.00

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
0.56
0.21
0.24
0.28
0.32
0.31
0.3
0.33
0.33
0.35
0.39
0.42
0.42
0.34
0.33
0.29
0.33
Revenue per Share
0.24
0.19
0.2
0.23
0.27
0.28
0.28
0.27
0.28
0.29
0.29
0.22
0.14
0.16
0.16
0.16
0.17
Basic EPS, GAAP
-1.37
-0.16
-2.14
0.39
-1.93
1.09
0.84
-0.14
-0.87
0.36
-0.17
-2.62
0.99
1.42
-1.16
-0.16
0.69
Free Cash Flow per Basic Share
- -
- -
0.05
0.09
0.13
0.16
0.16
0.18
0.19
0.19
0.22
0.16
0.18
0.12
0.11
0.11
0.11
Dividend per Share
1.01
1.05
1.13
1.19
1.23
1.25
1.25
1.27
1.24
1.29
1.3
1.5
1.18
1.2
1.26
1.32
1.25
Book Value per Share
1.4
1.13
1.3
1.43
1.56
1.65
1.72
1.79
1.8
1.88
1.95
2.99
2.43
2.5
2.57
2.65
2.59
Tangible Book Value per Share
5,073
7,499
7,500
7,500
7,500
7,500
7,500
7,500
7,500
7,500
7,500
7,653
9,300
9,300
9,300
9,300
9,247
Basic Weighted Avg Shares
2,839
1,600
1,819
2,099
2,381
2,324
2,286
2,488
2,500
2,616
2,933
3,216
3,947
3,144
3,109
2,718
3,031
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
20
20
19
16
16
15
16
17
15
18
25
68
187
174
174
174
172
Depreciation Expense
1,211
1,408
1,504
1,702
2,002
2,073
2,075
2,028
2,130
2,178
2,175
1,718
1,344
1,452
1,507
1,530
1,539
Net Income, GAAP
- -
0.09
0.11
- -
0.1
- -
- -
0.23
0.11
0.03
0.11
0.27
1.61
2.31
2.14
1.88
1.8
Effective Tax Rate (%)
42.67
88.03
82.67
81.08
84.08
89.21
90.79
81.52
85.22
83.27
74.17
53.42
34.06
46.17
48.47
56.3
50.79
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
- -
1,827
852
1,427
1,231
2,349
3,407
1,243
4,903
7,898
7,294
20,502
12,396
10,812
10,629
12,654
14,698
LT Debt
7,127
8,504
9,734
10,704
11,720
12,358
12,874
13,390
13,474
14,132
14,592
24,666
24,282
24,806
25,331
26,001
25,361
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
26.09
21.59
18.35
19.51
22
22.28
22.11
21.45
22.64
22.98
22.39
16.17
11.96
13.08
13.18
12.79
13.6
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Dec'24
Mar'25
Jun'25
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
9,300
9,300
9,300
Market Capitalization
22,866
20,914
21,545

Working Capital

FRC

•

in mil. unless spec.
Dec'24
Mar'25
Jun'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
10,832
9,036
8,762
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
9.14%
14.88%
2.65%
Free Cash Flow
121.46%
221.06%
-86.04%
Net Income, GAAP
-2.45%
-5.89%
1.54%
Sales/Revenue/Turnover
2.28%
-0.33%
-12.57%
Total Cash Common Dividend
-0.01%
-6.83%
-3.93%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
885
917
927
380
3,109
2025
856
868
45
- -
2,718
2026
788
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.04
0.04
0.05
- -
0.16
2025
0.04
0.05
- -
- -
0.16
2026
0.04
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.1
- -
- -
- -
0.11
2025
0.1
- -
- -
- -
0.11
2026
0.11
- -
- -
- -
- -
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Business
AlRayan Bank Q.P.S.C. (MARK.QA) operates as an Islamic financial institution providing Sharia-compliant banking products and services to retail, corporate, and investment clients. The bank offers a comprehensive range of offerings, including current and savings accounts; personal, auto, home, and real estate financing; credit cards; overdrafts; business loans; letters of credit and guarantee; trade finance services; money market and investment products such as Sukuk, Murabaha, and Islamic funds; wealth management and asset management solutions; treasury services; and digital banking platforms through its mobile app and online portal. It serves individual customers, small and medium-sized enterprises (SMEs), and large corporations across consumer banking, corporate banking, investment banking, and treasury segments, with primary operations in Qatar and select international presence in the United Kingdom through Al Rayan Bank UK and representative offices elsewhere. Founded in 2006 and headquartered in Doha, Qatar, the bank maintains subsidiaries focused on investment and leasing activities. In recent developments, AlRayan Bank expanded its digital capabilities with the launch of enhanced mobile banking features and contactless services in 2024 to meet growing demand for seamless Islamic finance solutions. The bank entered a strategic partnership with a leading fintech provider in early 2025 to integrate advanced AI-driven advisory tools for wealth management clients. Additionally, it completed a QR 500 million capital increase through a rights issue in late 2024, bolstering its capacity for regional expansion and SME financing initiatives amid Qatar's economic diversification efforts.