Riyad Bank (1010) Financial Ratio Screen
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MSCI new-inclusion financial-ratio snapshot
1010 financial screening at a glance
Calculation date: 2026-08-31. Financial period used: December 2025. The ratios are automated proxies inspired by published methodologies; they are not official index determinations.
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Business activity evidence
Business exclusion flag
The supplied classification (Banks - Regional) matches a prohibited-activity category.
Revenue segments: Not yet checked against an SEC annual filing.
Profile description reviewed: 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.
Sources to verify: Secondary company profile and classification · Issuer website
A sector label or company description can flag a risk but cannot establish a compliant-revenue percentage. Only sourced segment disclosures may support that calculation.
Published-ratio reproductions (not certifications)
The table shows implemented MSCI and FTSE/Yasaar-style asset-based models plus a provisional S&P-style leverage reconstruction where a complete 36-month denominator exists. These are independent calculations, not official index results or Shariah determinations. See formulas, sources and limitations.
Based on financial data from December 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| MSCI | Excluded — Banks - Regional | BUSINESS EXCLUSION FLAG* | |||
| FTSE | Excluded — Banks - Regional | BUSINESS EXCLUSION FLAG* | |||
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
| |
Financial data provenance and verification
The displayed fields were imported from yfinance on 2026-03-29 for the financial period December 2025. This is a secondary data feed and can differ from amended or newly filed statements.
- Issuer website — use its investor-relations filings to verify the figures.
- Field mapping, formulas and limitations.
Verification rule: check debt, cash, receivables, revenue and interest income against the latest primary filing before relying on an automated ratio.
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.
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Frequently Asked Questions
Is Riyad Bank (1010) halal to invest in?
The current automated result is Financial criteria not met or an activity exclusion was detected. It uses available public financial fields and simplified methodology proxies. It is not a fatwa or an official determination by AAOIFI, DJIM, MSCI, S&P, or FTSE.
What is Riyad Bank's debt ratio?
Riyad Bank's debt ratio is not available in the MSCI new-inclusion reproduction: total debt divided by total assets, against a 30% threshold. See the methodology page for the official source and limitations.
What are Riyad Bank's key financial metrics?
Riyad Bank has a market capitalization of SAR 86519M in its listing currency, 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?
Calculation date: 2026-08-31. Financial period: December 2025. These dates are shown separately because regenerating this page does not refresh the underlying data.
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.