Is Al Rajhi Bank (1180) 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 | 81.3% | |
| Net Margin | 65.5% | |
| Return on Equity (ROE) | 12.6% | |
| Return on Assets (ROA) | 2.2% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $7.9B |
| Free Cash Flow | $5.7B |
| Total Debt | $133.3B |
| Total Assets | $1.2T |
Price & Trading
| Last Close | SAR 42.50 |
| 50-Day MA | SAR 42.11 |
| 200-Day MA | SAR 38.44 |
| Avg Volume | 5.1M |
| Beta | 0.3 |
|
52-Week Range
SAR 31.55
| |
About Al Rajhi Bank (1180)
The Saudi National Bank, through its subsidiaries, provides banking and investment management services in the Kingdom of Saudi Arabia and internationally. The company offers current, Al Wessam, gold, commercial enterprise, and corporate accounts; Shariah-compliant financing solutions, financial solutions to MSMEs, point-of-sale Merchant Financing, personal and lease finance, and residential finance; and corporate finance solutions, including Ijara, Musharaka financing, Project and Structured Finance, Syndications and Placements, and Tawarruq. It also provides deposit, prepaid, and credit cards; cash management services, such as dividend distribution, payroll, escrow account management, deposit, and debit services; guarantees, fleet leasing, investment products, and digital banking; treasury services, such as foreign currency exchange, money markets, and shariah compliant products; payments and transfers; and trade finance, including documentary collection, export and import letter of credit, letter of guarantees, documentary collection, letter of credit program for Saudi industrial development fund clients. In addition, it operates as a private equity fund; keeps and manages title deeds and collateralized real estate properties; trades in derivatives and repos/reverse repos activities; sells POS equipment and devices; manages liquidity, market, and credit risks; and provides recruitment services, safety deposit boxes, private banking services, wealth management, asset management, investment banking, and shares brokerage services, as well as correspondent banking products and services, including money market and foreign exchange. The company was formerly known as The National Commercial Bank and changed its name to The Saudi National Bank in April 2021. The Saudi National Bank was founded in 1950 and is headquartered in Riyadh, the Kingdom of Saudi Arabia.
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Frequently Asked Questions
Is Al Rajhi Bank (1180) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), Al Rajhi 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 Al Rajhi Bank's debt ratio?
Al Rajhi 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 Al Rajhi Bank's key financial metrics?
Al Rajhi Bank has a market capitalization of $247.4B, trailing P/E ratio of 10.3, and revenue of $40.8B. Return on equity stands at 12.6%.
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.