Is SABB (1030) 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 | 70.3% | |
| Net Margin | 54.8% | |
| Return on Equity (ROE) | 11.2% | |
| Return on Assets (ROA) | 1.5% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $1.4B |
| Free Cash Flow | $1.0B |
| Total Debt | $3.0B |
| Total Assets | $172.7B |
Price & Trading
| Last Close | SAR 13.17 |
| 50-Day MA | SAR 13.41 |
| 200-Day MA | SAR 13.62 |
| Avg Volume | 572K |
| Beta | 0.4 |
|
52-Week Range
SAR 12.26
| |
About SABB (1030)
The Saudi Investment Bank provides commercial and retail banking services to individuals, small to medium-sized businesses, and corporate and institutional customers in the Kingdom of Saudi Arabia. The company operates through Retail Banking, Corporate Banking, Treasury and Investments, and Asset Management and Brokerage and other segments. The company offers loans, deposits, and other products for public institutions, high-net worth individuals and consumers; money market, investments and treasury services, and investments in associates and related activities. It also provides support functions, special credit, and other management and control units. It offers current, saving, murabaha, and travel accounts; time deposits; and working capital, Shariah-compliant, contract, project and structured, home and personal, secured, and trade financing solutions, as well as syndicated loans. The company also engages in the provision of money market and international trade services; and dealing, managing, advising, and custody of securities. In addition, it offers structured products; liquidity management, foreign exchange, treasury and investment, trade and business finance, and cash management services; marine cargo insurance services; debit, prepaid, and credit cards; internet and phone banking; and payroll services, as well as payment and transfer, and ATM/cash deposit services. The company was founded in 1976 and is headquartered in Riyadh, the Kingdom of Saudi Arabia.
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Frequently Asked Questions
Is SABB (1030) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), SABB 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 SABB's debt ratio?
SABB's debt ratio is not available under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%.
What are SABB's key financial metrics?
SABB has a market capitalization of $16.3B, trailing P/E ratio of 7.8, and revenue of $4.8B. Return on equity stands at 11.2%.
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.