Alinma Bank — Cyborg Score 7/10

Strong
Banking & Financial Services

Strategic Profile

Alinma Bank seeks to become an integrated financial institution that fully complies with Shariah banking standards in all services and transactions. The bank is one of the top traded stocks in KSA by volume and value traded, with a significant market capitalization that is growing exponentially.

Cyborg Score Rationale

In 2024, Alinma Bank's revenue increased 17.37% to SAR 9.89 billion with earnings up 18.76% to SAR 5.51 billion. The bank demonstrates solid growth momentum, strong Islamic banking positioning, and stable dividend yields of 4.1%.

Top Insights

  • 2024 revenue growth of 17.37% and net income growth of 18.76% demonstrate strong operational momentum
  • Bank established in 2006 with foundational support from Public Investment Fund (10%), Public Pension Agency (10%), and General Organization for Social Insurance (10%)
  • Attractive dividend yield of 4.1% provides consistent shareholder returns
  • Islamic banking focus positions Alinma as a beneficiary of growing demand for Shariah-compliant financial services in the region

Named Competitors

  • Al Rajhi Bank — Saudi Arabia's largest Islamic bank
  • Saudi National Bank — Major Saudi banking services provider
  • Arab National Bank — Diversified Saudi banking services

Recent Developments

  • 2024: Revenue reached SAR 9.89 billion with earnings of SAR 5.51 billion, both exceeding prior year performance
  • Q3 2024: Net income growth continued with margin challenges noted in earnings calls
  • February 2026: Market capitalization at SAR 73.15 billion with stable dividend payments

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