Is Bank Albilad (1140) 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 | 56.7% | |
| Net Margin | 50.7% | |
| Return on Equity (ROE) | 16.0% | |
| Return on Assets (ROA) | 1.9% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $4.7B |
| Free Cash Flow | $4.1B |
| Total Debt | $3.6B |
| Total Assets | $173.0B |
Price & Trading
| Last Close | SAR 26.78 |
| 50-Day MA | SAR 26.15 |
| 200-Day MA | SAR 26.49 |
| Avg Volume | 2.2M |
| Beta | 0.6 |
|
52-Week Range
SAR 23.38
| |
About Bank Albilad (1140)
Bank Albilad, through its subsidiaries, provides various banking products and services in the Kingdom of Saudi Arabia. The company operates in four segments: Retail Banking, Corporate Banking, Treasury, and Investment Banking and Brokerage. It offers current, savings, awaed albilad, tamayuz, corporate, and SME current accounts; personal financing products, such as financing Murabaha via Albilad app, shares financing, top-up financing, refinancing, buyout programs, finance against mortgage, and deferring finance instalments; real estate financing products; auto financing and leasing products; remittances; currency exchange services; corporate financing solutions, which include working capital, asset, and contract financing; overdrafts; and structured finance products. The company also provides cash management solutions; trade finance products comprising letters of guarantee, letters of credit, documentary collection, and Musharkah financing; money market; treasury services consisting of direct investment and foreign exchange services; SME financing solutions; SME programs, such as customs clearance, hajj and omrah, POS financing, franchise programs, contracts financing, and payroll financing programs; point of sale services; e-commerce payment platforms; investment management and asset management; and payroll services and wage protection systems. In addition, it offers credit, debit, Albilad mada, salary, and Medad prepaid cards; and internet and online banking services. Bank Albilad was incorporated in 2004 and is headquartered in Riyadh, the Kingdom of Saudi Arabia.
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Frequently Asked Questions
Is Bank Albilad (1140) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), Bank Albilad 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 Bank Albilad's debt ratio?
Bank Albilad's debt ratio is not available under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%.
What are Bank Albilad's key financial metrics?
Bank Albilad has a market capitalization of $40.0B, trailing P/E ratio of 13.4, and revenue of $6.2B. Return on equity stands at 16.0%.
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.