AlRayan Bank Q.P.S.C Bilan de santé
Santé financière contrôle des critères 2/6
AlRayan Bank Q.P.S.C possède un actif total de QAR175.0B et des capitaux propres totaux de QAR25.1B. Le total des dépôts est de QAR8.4B et le total des prêts est QAR110.3B.
Informations clés
7x
Ratio actifs/fonds propres
n/a
Marge d'intérêt nette
| Total des dépôts | ر.ق8.41b |
| Ratio prêts/dépôts | Haut |
| Prêts irrécouvrables | 4.9% |
| Provision pour créances douteuses | Faible |
| Ratio de liquidité générale | Faible |
| Trésorerie et équivalents | ر.ق3.69b |
Mises à jour récentes de la santé financière
Recent updates
MARK: Dividend Approval And Higher Margins Will Support Future Upside Potential
Analysts have trimmed their QAR 2.49 fair value estimate for AlRayan Bank Q.P.S.C. to QAR 2.47 per share, citing updated assumptions for the discount rate, revenue trends, profit margins, and future P/E multiples. What's in the News Shareholders approved a cash dividend distribution for AlRayan Bank Q.P.S.C at the Annual General Meeting held on 15 March 2026.MARK: Dividend Confirmation And Stable Assumptions Will Support Future Upside Potential
Analysts have slightly adjusted their price target for AlRayan Bank Q.P.S.C., with the updated fair value now set at QAR 2.49. This reflects only marginal changes to key inputs such as the discount rate, expected revenue trend and future P/E assumptions.MARK: Dividend Approval And Stable Assumptions Will Support Future Returns
Analysts have made a small adjustment to their QAR price target for AlRayan Bank Q.P.S.C., reflecting slightly lower discount rate and future P/E assumptions while keeping fair value broadly unchanged. What's in the News Shareholders approved a cash dividend distribution of QAR 0.11 per share, equal to 11% of the nominal share value, for the year ended 31 December 2025, at the Annual General Meeting on 15 March 2026 (Key Developments).MARK: Dividend Stability And Recent Approval Will Support Future Returns
Analysts have kept their QAR fair value estimate for AlRayan Bank Q.P.S.C. broadly unchanged, with only marginal tweaks to the discount rate, revenue growth, profit margin and future P/E assumptions. This has led to a stable overall price target and indicates that their core view on the bank remains intact.MARK: Dividend Outlook And Meeting Date Will Shape Future Returns
Analysts have adjusted their price target on AlRayan Bank Q.P.S.C. slightly lower, reducing it by QAR0.08 to reflect updated assumptions around fair value, revenue trends, profit margins, the discount rate and future P/E expectations. What's in the News AlRayan Bank Q.P.S.C. announced an annual dividend of QAR 0.1100 per share, with an ex-date set for March 16, 2026, and a record date of March 15, 2026 (Key Developments).MARK: Unchanged Fair Value And Meeting Date Will Shape Future Returns
Analysts have kept their QAR price target for AlRayan Bank Q.P.S.C. effectively unchanged, reflecting only minimal adjustments to inputs such as the discount rate, revenue growth, profit margin and future P/E assumptions. What's in the News A board meeting is scheduled for January 21, 2026, to consider approval of AlRayan Bank Q.P.S.C.'s 2025 financial results (Key Developments).MARK: Higher Margin Assumptions And Lower P/E Will Shape Future Returns
Analysts have adjusted their price targets for AlRayan Bank Q.P.S.C., reflecting updated assumptions that now combine a slightly lower discount rate, weaker revenue growth expectations, a higher profit margin of about 95% and a modestly lower forward P/E of roughly 24.5x. What's in the News A board meeting is scheduled for January 21, 2026, to consider approval of AlRayan Bank Q.P.S.C.'s 2025 financial results (Key Developments).MARK: Higher Future P/E And Stronger Margins Will Support Further Upside
Analysts have revised their price target on AlRayan Bank Q.P.S.C., citing a higher assumed future P/E of 26.16x and a stronger profit margin of 75.65%, while also accounting for a steeper 37.15% revenue contraction. What's in the News AlRayan Bank Q.P.S.C. has scheduled a board meeting for Jan 21, 2026.MARK: Stable Margins And Slightly Lower P/E Will Support Future Upside
Analysts have slightly reduced their price target for AlRayan Bank Q.P.S.C., reflecting small adjustments to fair value, discount rate, and forward P/E assumptions, while keeping revenue growth and profit margin expectations broadly consistent. Valuation Changes Fair Value: Trimmed marginally from QAR 2.56575 to QAR 2.56075, indicating a very small reduction in the estimated equity value per share.MARK: Stable Margins And Higher Required Return Will Support Future Upside
Analysts have nudged their price target on AlRayan Bank Q.P.S.C. slightly higher to QAR 2.57 from QAR 2.57, reflecting a marginally increased discount rate and stable expectations for revenue growth, profit margins, and forward valuation multiples. Valuation Changes Fair Value Estimate remains effectively unchanged at QAR 2.57 per share, indicating stable intrinsic valuation assumptions.MARK: Stable Margins And Slightly Higher Discount Rate Will Support Future Upside
Analysts have modestly maintained their outlook on AlRayan Bank Q.P.S.C., keeping the price target effectively unchanged around $2.57 per share, as minor tweaks to discount rates and forward valuation assumptions did not materially alter their view of the bank's earnings and growth profile. Valuation Changes Fair Value Estimate remains unchanged at QAR 2.57 per share, reflecting a stable intrinsic value assessment.MARK: Strong Profit Margins And Discount Rate Increases Signal Future Upside
Analysts have slightly adjusted their price target for AlRayan Bank Q.P.S.C. to QAR 2.57. This change reflects marginal changes in core forecast assumptions and valuation metrics.MARK: Digitization And Diversification Will Secure Lasting Banking Advantage
Analysts have lowered their price target for AlRayan Bank Q.P.S.C., reducing the fair value estimate from QAR 2.69 to QAR 2.57. They cite a marginally softer revenue outlook and a slightly reduced discount rate, while maintaining a positive view on the company's profitability.Digitization And Diversification Will Secure Lasting Banking Advantage
Analysts have raised their price target for AlRayan Bank Q.P.S.C. from QAR 2.63 to QAR 2.69. This reflects a modest upward revision based on slight improvements in forward valuation metrics and updated financial assumptions.Digitization And Diversification Will Secure Lasting Banking Advantage
With both the discount rate and future P/E ratio for AlRayan Bank Q.P.S.C remaining essentially flat, analysts have made no material adjustments to their outlook, resulting in an unchanged consensus fair value price target of QAR2.62. Valuation Changes Summary of Valuation Changes for AlRayan Bank Q.P.S.C The Consensus Analyst Price Target remained effectively unchanged, at QAR2.62.
Technological Investments And Asset Quality Improvements Will Boost Future Earnings
Strategic investments and technology could enhance future revenue by improving operational efficiency and customer acquisition despite short-term costs.Analyse de la situation financière
Historique et analyse du ratio d'endettement
Bilan
Analyse des institutions financières
Niveau d'actif: Le ratio actifs/capitaux propres de MARK ( 7 x) est faible.
Provision pour créances douteuses: MARK a une faible provision pour créances douteuses ( 82 %).
Passifs à faible risque: 94% du passif de MARK est principalement constitué de sources de financement à risque élevé.
Niveau de prêt: MARK a un niveau approprié de ratio prêts/actifs ( 63% ).
Dépôts à faible risque: Le ratio prêts/dépôts de MARK ( 1312% ) est élevé.
Niveau des créances douteuses: MARK a un niveau élevé de créances douteuses ( 4.9 %).
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Analyse de l'entreprise et données financières
| Données | Dernière mise à jour (heure UTC) |
|---|---|
| Analyse de l'entreprise | 2026/05/10 08:37 |
| Cours de l'action en fin de journée | 2026/05/10 00:00 |
| Les revenus | 2026/03/31 |
| Revenus annuels | 2025/12/31 |
Sources de données
Les données utilisées dans notre analyse de l'entreprise proviennent de S&P Global Market Intelligence LLC. Les données suivantes sont utilisées dans notre modèle d'analyse pour générer ce rapport. Les données sont normalisées, ce qui peut entraîner un délai avant que la source ne soit disponible.
| Paquet | Données | Cadre temporel | Exemple de source américaine * |
|---|---|---|---|
| Finances de l'entreprise | 10 ans |
| |
| Estimations consensuelles des analystes | +3 ans |
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| Prix du marché | 30 ans |
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| Propriété | 10 ans |
| |
| Gestion | 10 ans |
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| Principaux développements | 10 ans |
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* Exemple pour les titres américains ; pour les titres non américains, des formulaires réglementaires et des sources équivalentes sont utilisés.
Sauf indication contraire, toutes les données financières sont basées sur une période annuelle mais mises à jour trimestriellement. C'est ce qu'on appelle les données des douze derniers mois (TTM) ou des douze derniers mois (LTM). En savoir plus.
Modèle d'analyse et flocon de neige
Les détails du modèle d’analyse utilisé pour générer ce rapport sont disponibles sur notre page Github; nous proposons également des guides expliquant comment utiliser nos rapports et des tutoriels sur Youtube.
Découvrez l'équipe de classe mondiale qui a conçu et construit le modèle d'analyse Simply Wall St.
Indicateurs de l'industrie et du secteur
Nos indicateurs de secteur et de section sont calculés toutes les 6 heures par Simply Wall St. Les détails de notre processus sont disponibles sur Github.
Sources des analystes
AlRayan Bank Q.P.S.C. est couverte par 7 analystes. 2 de ces analystes ont soumis les estimations de revenus ou de bénéfices utilisées comme données d'entrée dans notre rapport. Les soumissions des analystes sont mises à jour tout au long de la journée.
| Analyste | Institution |
|---|---|
| Jaap Meijer | Arqaam Capital Research Offshore S.A.L. |
| Rahul Shah | Deutsche Bank |
| Elena Sanchez-Cabezudo | EFG-Hermes Research |