AlRayan Bank Q.P.S.C.

$ 2.09 -0.33 %

AlRayan Bank (Q.P.S.C.), operating as Masraf Al Rayan, is a key Islamic financial institution delivering a broad spectrum of Sharia-compliant banking, financing, and investment services. The bank organizes its diverse activities into five main divisions: Corporate Banking, Retail Banking, Treasury and Financial Institutions, Asset Management, and International Operations. For individual customers, the bank offers various account options, such as checking, savings, investment, fixed-term deposits, and specialized children's accounts, alongside other investment vehicles. Consumer financing solutions include personal, automotive, and residential loans, complemented by credit and prepaid card services, accessible through call centers and ATMs. Serving corporate, commercial, and multinational clients, Masraf Al Rayan provides comprehensive financial advisory and structuring services. These encompass capital optimization, fundraising, business valuations, strategic product evolution, mergers and acquisitions, specialized and structured finance, project finance, and initial public offerings (IPOs). Its Sharia-compliant financing products feature Murabaha, Ijarah, Ijarah Muntahia Bittamleek, Istisna'a, and Mudaraba, alongside cash management and trade finance facilities like letters of credit and guarantees. The institution also extends private banking offerings, covering investment and asset management, wealth preservation, credit and cash flow planning, and business strategic development. Furthermore, its specialized services include currency exchange, profit rate swap arrangements, syndicated financing, treasury functions, investment banking, financial brokerage, debt issuance, over-the-counter risk management instruments, investment financing, and real estate consulting. Established in 2006 and headquartered in Doha, Qatar, AlRayan Bank operates through 17 branches across the nation.

CEO: Fahad Bin Abdulla Al Khalifa - https://www.alrayan.com

Price objectif

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Recommandation

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DCF

$ 3.51

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MARK.QA vs S&P500

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Quick ratio

0.07

indicates that the company may have difficulty covering its short-term debts with its readily available assets.

P/E ratio

13.91

is considered reasonable, suggesting that the company has a valuation in line with its current profits.

EPS

0.15

is the net profit of a company divided by the number of outstanding shares, indicating the profit earned per share.

ROE

5.93 %

indicates low profitability, suggesting that the company is not using equity efficiently to generate profits.

ROIC

4.28 %

does not generate enough return to cover its financing costs, which indicates value destruction and may pose long-term profitability issues.

WACC

5.16

is a company's average cost of capital, weighted by the proportion of debt and equity in its financing. It represents the minimum return the company must generate to satisfy its investors.

Debt-to-Equity Ratio

0.47

indicates that the company uses more equity than debt, suggesting prudent management.

Free cash flow per share

0.35

is a measure of a company's financial flexibility that is determined by dividing free cash flow by the total number of shares outstanding.

Dividend payout ratio

72.30 %

indicates that the company is retaining a large portion of its profits to reinvest in growth

Earnings per share

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Financials

Piotroski score
5 indicates moderate financial health
Altman score
-0.62 indicates a high risk of bankruptcy
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Cash / Debt

Cash Ratio
0.07 indicates liquidity risk, as the company may not have enough cash to meet its immediate obligations
Debt Ratio
0.07 indicates that the company uses little debt to finance its assets, suggesting good financial stability
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Free Cash Flow

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Earnings Per Share (annual)

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Sales

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