Masraf Al Rayan (MARK) Financial Ratio Screen
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MSCI new-inclusion financial-ratio snapshot
MARK 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: AlRayan Bank Q.P.S.C. engages in Islamic banking, financing, and investing activities in Qatar and internationally. The company operates through five segments: Corporate Banking, Retail Banking, Treasury and Financial Institutions, Asset Management, and International Operations. It offers current, savings, investment, and term deposit, and kids accounts, as well as other investment products; personal, car, and home finance products; and credit, debit, corporate, and prepaid cards. The company also provides corporate finance and advisory services, such as capital restructuring, capital raising, corporate valuation, transformation of business products, mergers and acquisitions, specialized investment, structured finance, and project finance; financing products comprising Murabaha, Ijarah, Istisna'a, Ijarah Muntahia Bittamleek, and Mudaraba; cash management services, such as payable and receivable solution, and account management; and trade finance products, including letters of guarantee and credit. In addition, it offers private banking products and services comprising investment planning and asset management, wealth protection, credit planning and management, and business planning. Further, the company provides Islamic funded and non-funded credit facilities, financial and strategic advisory, and investment advisory services; currency exchange facilities; profit rate swaps, financing syndication, and other services; Islamic financing; and investment banking, Sukuk and debt issuance, over-the-counter risk management instrument, investing, and real estate consulting services, as well as manages mutual and exchange traded funds. It serves corporate, commercial, and multinational customers; retail and individual customers; and institutional and high net worth investors. The company was formerly known as Masraf Al Rayan (Q.P.S.C.) and changed its name to AlRayan Bank Q.P.S.C. in April 2025. AlRayan Bank Q.P.S.C. was incorporated in 2006 and is headquartered in Doha, Qatar.
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 | 11.5% | |
| Net Margin | 18.0% | |
| Return on Equity (ROE) | 6.0% | |
| Return on Assets (ROA) | 0.9% |
Cash Flow & Balance Sheet
| Operating Cash Flow | -$1.4B |
| Free Cash Flow | -$1.5B |
| Total Debt | $12.7B |
| Total Assets | $181.3B |
Price & Trading
| Last Close | QAR 2.19 |
| 50-Day MA | QAR 2.29 |
| 200-Day MA | QAR 2.31 |
| Avg Volume | 9.7M |
| Beta | 0.4 |
|
52-Week Range
QAR 2.12
| |
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 Masraf Al Rayan (MARK)
AlRayan Bank Q.P.S.C. engages in Islamic banking, financing, and investing activities in Qatar and internationally. The company operates through five segments: Corporate Banking, Retail Banking, Treasury and Financial Institutions, Asset Management, and International Operations. It offers current, savings, investment, and term deposit, and kids accounts, as well as other investment products; personal, car, and home finance products; and credit, debit, corporate, and prepaid cards. The company also provides corporate finance and advisory services, such as capital restructuring, capital raising, corporate valuation, transformation of business products, mergers and acquisitions, specialized investment, structured finance, and project finance; financing products comprising Murabaha, Ijarah, Istisna'a, Ijarah Muntahia Bittamleek, and Mudaraba; cash management services, such as payable and receivable solution, and account management; and trade finance products, including letters of guarantee and credit. In addition, it offers private banking products and services comprising investment planning and asset management, wealth protection, credit planning and management, and business planning. Further, the company provides Islamic funded and non-funded credit facilities, financial and strategic advisory, and investment advisory services; currency exchange facilities; profit rate swaps, financing syndication, and other services; Islamic financing; and investment banking, Sukuk and debt issuance, over-the-counter risk management instrument, investing, and real estate consulting services, as well as manages mutual and exchange traded funds. It serves corporate, commercial, and multinational customers; retail and individual customers; and institutional and high net worth investors. The company was formerly known as Masraf Al Rayan (Q.P.S.C.) and changed its name to AlRayan Bank Q.P.S.C. in April 2025. AlRayan Bank Q.P.S.C. was incorporated in 2006 and is headquartered in Doha, Qatar.
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Frequently Asked Questions
Is Masraf Al Rayan (MARK) 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 Masraf Al Rayan's debt ratio?
Masraf Al Rayan'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 Masraf Al Rayan's key financial metrics?
Masraf Al Rayan has a market capitalization of QAR 20181M in its listing currency, trailing P/E ratio of 13.6, and revenue of $2.7B. Return on equity stands at 6.0%.
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.