Is Alinma Bank (1150) 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 | 66.7% | |
| Net Margin | 59.0% | |
| Return on Equity (ROE) | 14.3% | |
| Return on Assets (ROA) | 2.2% |
Cash Flow & Balance Sheet
| Operating Cash Flow | -$2.2B |
| Free Cash Flow | -$3.5B |
| Total Debt | $125.7B |
| Total Assets | $311.1B |
Price & Trading
| Last Close | SAR 28.74 |
| 50-Day MA | SAR 28.01 |
| 200-Day MA | SAR 26.16 |
| Avg Volume | 6.3M |
| Beta | 0.2 |
|
52-Week Range
SAR 23.94
| |
About Alinma Bank (1150)
Alinma Bank provides banking and investment services in the Kingdom of Saudi Arabia. It operates through Retail Banking, Corporate Banking, Treasury, and Investment and Brokerage segments. The company provides various banking services, including current, education, and family accounts; self-service banking services; debit, credit, traveler, purchase, and prepaid cards; point of sale services; car, real estate, personal, and education financing, as well as SME, kafalah program, business payroll, assets, business invoices, and receivables financing; and bill payment services. It also offers treasury, letters of guarantee, documentary collection, import and export letters of credit, and guarantee verification services; cash management services; corporate partner services; financing and investment products; financial services; and payroll management and e-payment gateway services. In addition, the company provides investment management, asset management, custodianship, advisory, underwriting, and brokerage services; and operates as an insurance agent. Further, it offers digital banking services. The company provides its services to individuals, corporates, SMEs, and institutional customers. Alinma Bank was founded in 2006 and is headquartered in Riyadh, the Kingdom of Saudi Arabia.
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Frequently Asked Questions
Is Alinma Bank (1150) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), Alinma 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 Alinma Bank's debt ratio?
Alinma 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 Alinma Bank's key financial metrics?
Alinma Bank has a market capitalization of $71.0B, trailing P/E ratio of 12.1, and revenue of $11.8B. Return on equity stands at 14.3%.
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.