Is Riyad Bank (1010) Halal?
Shariah Screening — 5 Standards
Based on financial data from December 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| DJIM | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| MSCI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| S&P | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| FTSE | Excluded — Banks - Regional | ✗ NOT HALAL | |||
Financial Highlights
Profitability
| Gross Margin | 0.0% | |
| Operating Margin | 68.3% | |
| Net Margin | 61.2% | |
| Return on Equity (ROE) | 14.5% | |
| Return on Assets (ROA) | 2.1% |
Cash Flow & Balance Sheet
| Operating Cash Flow | -$23.9B |
| Free Cash Flow | -$25.9B |
| Total Debt | $48.4B |
| Total Assets | $519.5B |
Price & Trading
| Last Close | SAR 28.92 |
| 50-Day MA | SAR 28.05 |
| 200-Day MA | SAR 27.23 |
| Avg Volume | 2.3M |
| Beta | 0.2 |
|
52-Week Range
SAR 25.30
| |
About Riyad Bank (1010)
Riyad Bank provides banking and investment services in the Kingdom of Saudi Arabia. It operates through the Retail Banking, Investment Banking and Brokerage, Corporate Banking, and Treasury and Investments segments. The Retail Banking segment offers deposits, credit, and investment products for individuals. Its Investment Banking and Brokerage segment provides investment management services, as well as asset management services related to dealing, managing, arranging, advising, and custody of securities. The Corporate Banking segment offers current accounts, deposits, loans, overdrafts, and other credit facilities for small to medium sized businesses. Its Treasury and Investments segment provides money market, trading, and treasury and derivative products and services, as well as manages investment portfolios. The company also offers credit cards; trade finance, payroll solution, point of sale; and cash deposit card; student account; time deposit; sweeping; personal, auto-lease, readymade and incomplete property, home equity, self-employed, and mortgage loans; working capital, contract, capital expenditure, and project financing; syndicated loan; Islamic banking products and services; foreign exchange products; and digital banking services. In addition, it owns, buys, and sells real estate; and acts as an agent for insurance products, as well as engages in systems analysis, application, operating systems development, hosting websites, financial technology solutions, and related activities. The company operates through a network of branches in the Kingdom of Saudi Arabia, the United Kingdom, the United States; and a representative office in Singapore and ATMs. Riyad Bank was incorporated in 1957 and is based in Riyadh, the Kingdom of Saudi Arabia.
Related Halal Stocks in Financial Services
Frequently Asked Questions
Is Riyad Bank (1010) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), Riyad Bank 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 Riyad Bank's debt ratio?
Riyad Bank's debt ratio is not available under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%.
What are Riyad Bank's key financial metrics?
Riyad Bank has a market capitalization of $86.5B, trailing P/E ratio of 8.8, and revenue of $18.4B. Return on equity stands at 14.5%.
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.