QNB (QNBK) Financial Ratio Screen

QSE Financial Services Qatar QAR 152078M
BUSINESS EXCLUSION FLAG*
Automated financial screen · activity assessed separately
QNB (QNBK) is potentially non-compliant because its supplied classification is Banks - Diversified. Companies operating in prohibited sectors such as conventional banking, insurance, alcohol, tobacco, and gambling are automatically excluded regardless of their financial ratios.

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MSCI new-inclusion financial-ratio snapshot

QNBK financial screening at a glance

BUSINESS EXCLUSION FLAG*Financial ratios shown separately from business review — not a fatwa
Debt ratio
N/A
Not available vs 30%
Cash ratio
N/A
Not available vs 30%
Receivables + cash
N/A
Not available vs 30%
Impermissible income
N/A
Not available vs 5%

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.

Independent method comparison

What the available screens say

How MSCI, FTSE and S&P-style screens differ
Request this stock review
MSCI-styleBusiness exclusion flagSupplied classification requires attention
FTSE/Yasaar-styleBusiness exclusion flagSupplied classification requires attention
S&P-style provisionalNot yet availableRequired denominator or financial data is incomplete
Business activityBusiness exclusion flagSupplied sector or industry classification matched an exclusion
Complete screening result: not yet completeA complete result requires both supported financial criteria and adequate activity evidence. This site does not issue a fatwa or official index decision.
Financial periodDecember 2025Calculation date2026-08-31S&P-style historynot availableLast activity reviewnot yet reviewed

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Business activity evidence

Business exclusion flag

The supplied classification (Banks - Diversified) matches a prohibited-activity category.

Revenue segments: Not yet checked against an SEC annual filing.

Profile description reviewed: Qatar National Bank (Q.P.S.C.), together with its subsidiaries, provides conventional and Islamic banking products and services in Qatar, Europe, North America, rest of GCC countries, and internationally. It operates in four segments: Corporate Banking, Consumer Banking, Asset and Wealth Management, and International Banking. The company offers personal banking products and services, including current, savings, fixed deposit, and call-notice deposit accounts; personal, vehicle, vehicle lease, and mortgage loans, as well as other lending; life, salary continuation, critical illness, motor, mortgage, and travel insurance products; life insurance saving and investment products; asset management services; credit, debit, and prepaid cards; and payment, mobile, Internet, ATM, ITM, SMS, and USSD banking services. It also provides business banking products and services, such as current, call, fixed deposit, SME, and non-resident accounts; working capital, syndicated, project, and vehicle loans; contractor, structured, trade, and project finance; short and medium-term advances, bank guarantees, contract guarantees, letters of credit, and treasury products; foreign trade, retail, foreign exchange and currency and cash management services; commercial and transaction banking services; and credit cards. In addition, the company offers investment and advisory, and brokerage and custody services. It serves the government, government agencies, individuals, and corporate sectors. The company was formerly known as Qatar National Bank S.A.Q. and changed its name to Qatar National Bank (Q.P.S.C.) in January 2016. The company was incorporated in 1964 and is based 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 - Diversified BUSINESS EXCLUSION FLAG*
FTSE Excluded — Banks - Diversified BUSINESS EXCLUSION FLAG*

Financial Highlights

P/E Ratio
9.6
Forward: 9.3
EPS
$1.74
Dividend Yield
429.0%
Payout: 41.4%
P/B Ratio
1.5
Revenue
$44.1B
Growth: 13.0%
Beta
0.3
Low volatility

Profitability

Gross Margin 0.0%
Operating Margin 67.9%
Net Margin 48.9%
Return on Equity (ROE) 14.6%
Return on Assets (ROA) 1.3%

Cash Flow & Balance Sheet

Operating Cash Flow-$35.2B
Free Cash Flow-$36.8B
Total Debt$104.7B
Total Assets$1.4T

Price & Trading

Last CloseQAR 16.90
50-Day MAQAR 19.20
200-Day MAQAR 18.63
Avg Volume3.0M
Beta0.3
52-Week Range
QAR 14.82
QAR 20.49

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.

Verification rule: check debt, cash, receivables, revenue and interest income against the latest primary filing before relying on an automated ratio.

About QNB (QNBK)

CEO
H.E Abdulla Mubarak N. Al-Khalifa
Sector
Financial Services
Industry
Banks - Diversified
Country
Qatar
Exchange
QSE
Market Cap (listing currency)
QAR 152078M
Currency
QAR

Qatar National Bank (Q.P.S.C.), together with its subsidiaries, provides conventional and Islamic banking products and services in Qatar, Europe, North America, rest of GCC countries, and internationally. It operates in four segments: Corporate Banking, Consumer Banking, Asset and Wealth Management, and International Banking. The company offers personal banking products and services, including current, savings, fixed deposit, and call-notice deposit accounts; personal, vehicle, vehicle lease, and mortgage loans, as well as other lending; life, salary continuation, critical illness, motor, mortgage, and travel insurance products; life insurance saving and investment products; asset management services; credit, debit, and prepaid cards; and payment, mobile, Internet, ATM, ITM, SMS, and USSD banking services. It also provides business banking products and services, such as current, call, fixed deposit, SME, and non-resident accounts; working capital, syndicated, project, and vehicle loans; contractor, structured, trade, and project finance; short and medium-term advances, bank guarantees, contract guarantees, letters of credit, and treasury products; foreign trade, retail, foreign exchange and currency and cash management services; commercial and transaction banking services; and credit cards. In addition, the company offers investment and advisory, and brokerage and custody services. It serves the government, government agencies, individuals, and corporate sectors. The company was formerly known as Qatar National Bank S.A.Q. and changed its name to Qatar National Bank (Q.P.S.C.) in January 2016. The company was incorporated in 1964 and is based in Doha, Qatar.

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Frequently Asked Questions

Is QNB (QNBK) 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 QNB's debt ratio?

QNB'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 QNB's key financial metrics?

QNB has a market capitalization of QAR 152078M in its listing currency, trailing P/E ratio of 9.6, and revenue of $44.1B. Return on equity stands at 14.6%.

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.