Al Rajhi Banking and Investment Corporation — Cyborg Score 8/10
Strong
Islamic Banking & Financial Services
Strategic Profile
The bank operates through four segments: Retail, Corporate, Treasury, and Investment Services, Brokerage, and Other. Al Rajhi is at the forefront of digital banking, providing cutting-edge mobile and online banking platforms. Al Rajhi commanded 22% of total Saudi banking earnings in 2025, with total loans growing 12% to SAR 3.1 trillion and customer deposits increasing 9% to SAR 2.95 trillion.
Cyborg Score Rationale
Al Rajhi demonstrates exceptional financial performance with a net profit margin of 65.88% and trailing twelve-month ROI of 18.13%. Market capitalization stands at SAR 404.4 billion, positioning it among the region's largest financial institutions. Strong profitability, digital transformation initiatives, and market leadership support the strong rating.
Top Insights
Exceptional profitability with 65.88% net profit margin and zero debt-to-equity ratio, indicating fortress balance sheet
Strong credit growth momentum with 12% loan expansion and 9% deposit growth reflecting healthy market demand and customer confidence
Largest global Islamic bank by capital, uniquely positioned to capture growing Shariah-compliant finance segment
Attractive dividend yield of 2.21%, demonstrating commitment to shareholder returns alongside reinvestment
Named Competitors
Saudi National Bank — Leading conventional and Islamic banking services
Bank Aljazira — Saudi banking and investment services
Alinma Bank — Islamic banking and financial services
Recent Developments
(2025) Al Rajhi raised a $1.92 billion sustainability-linked Islamic syndicated loan, the largest from a Middle Eastern bank
(Q4 2025) Saudi banking sector aggregate profits rose 13% year-on-year to SAR 23.65 billion with Al Rajhi as key contributor
(2024) Full-year revenue reached SAR 29.94 billion (+15%) with net earnings of SAR 18.69 billion (+18%)
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