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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