AlRayan Bank Q.P.S.C (MARK) Stock Overview
Engages in Islamic banking, financing, and investing activities in Qatar and internationally. More details
| Snowflake Score | |
|---|---|
| Valuation | 0/6 |
| Future Growth | 1/6 |
| Past Performance | 1/6 |
| Financial Health | 2/6 |
| Dividends | 3/6 |
MARK Community Fair Values
Create NarrativeSee what others think this stock is worth. Follow their fair value or set your own to get alerts.
Analyst Price Targets
AlRayan Bank Q.P.S.C. Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | ر.ق1.98 |
| 52 Week High | ر.ق2.56 |
| 52 Week Low | ر.ق1.96 |
| Beta | 0.35 |
| 1 Month Change | -4.12% |
| 3 Month Change | -9.47% |
| 1 Year Change | -15.28% |
| 3 Year Change | -21.68% |
| 5 Year Change | -55.51% |
| Change since IPO | -22.05% |
Recent News & Updates
Narrative Update • Jul 10
MARK: Stable Margins And Lower Future P/E Will Support Upside Potential
Analysts have trimmed their QAR-based price target for AlRayan Bank Q.P.S.C. from QAR2.41 to QAR2.29, reflecting updated fair value estimates, a slightly higher discount rate and a revised future P/E assumption. What's in the News No recent news items for AlRayan Bank Q.P.S.C. were identified in the provided sources.Narrative Update • Jun 22
MARK: Stable Margins And Higher Future P/E Will Support Upside Potential
Analysts have made only a marginal adjustment to their valuation framework for AlRayan Bank Q.P.S.C., leaving the implied fair value reference point effectively unchanged at around QAR2.41 per share. Small tweaks to the discount rate and assumed future P/E have helped to refine, rather than reset, their price target view.Narrative Update • Jun 05
MARK: Dividend Policy And Stable Margins Will Support Future Upside Potential
Analysts have trimmed their QAR price target for AlRayan Bank Q.P.S.C. from about QAR2.47 to around QAR2.41. This reflects small adjustments to forecasts for fair value, discount rate, revenue growth, profit margin and future P/E assumptions.Recent updates
Narrative Update • Jul 10
MARK: Stable Margins And Lower Future P/E Will Support Upside Potential
Analysts have trimmed their QAR-based price target for AlRayan Bank Q.P.S.C. from QAR2.41 to QAR2.29, reflecting updated fair value estimates, a slightly higher discount rate and a revised future P/E assumption. What's in the News No recent news items for AlRayan Bank Q.P.S.C. were identified in the provided sources.Narrative Update • Jun 22
MARK: Stable Margins And Higher Future P/E Will Support Upside Potential
Analysts have made only a marginal adjustment to their valuation framework for AlRayan Bank Q.P.S.C., leaving the implied fair value reference point effectively unchanged at around QAR2.41 per share. Small tweaks to the discount rate and assumed future P/E have helped to refine, rather than reset, their price target view.Narrative Update • Jun 05
MARK: Dividend Policy And Stable Margins Will Support Future Upside Potential
Analysts have trimmed their QAR price target for AlRayan Bank Q.P.S.C. from about QAR2.47 to around QAR2.41. This reflects small adjustments to forecasts for fair value, discount rate, revenue growth, profit margin and future P/E assumptions.Narrative Update • May 04
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.Narrative Update • Apr 20
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.Narrative Update • Apr 05
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).Narrative Update • Mar 22
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.Narrative Update • Mar 08
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).Narrative Update • Feb 22
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).Narrative Update • Feb 06
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).Narrative Update • Jan 23
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.Narrative Update • Jan 08
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.Narrative Update • Dec 19
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.Narrative Update • Dec 05
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.Narrative Update • Nov 21
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.Narrative Update • Nov 04
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.Narrative Update • Oct 09
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.Narrative Update • Sep 06
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.
New Narrative • Dec 04
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.Shareholder Returns
| MARK | QA Banks | QA Market | |
|---|---|---|---|
| 7D | -1.0% | 1.0% | 0.3% |
| 1Y | -15.3% | -7.5% | -8.6% |
Return vs Industry: MARK underperformed the QA Banks industry which returned -8.9% over the past year.
Return vs Market: MARK underperformed the QA Market which returned -9.3% over the past year.
Price Volatility
| MARK volatility | |
|---|---|
| MARK Average Weekly Movement | 1.7% |
| Banks Industry Average Movement | 2.7% |
| Market Average Movement | 2.9% |
| 10% most volatile stocks in QA Market | 4.8% |
| 10% least volatile stocks in QA Market | 1.7% |
Stable Share Price: MARK has not had significant price volatility in the past 3 months compared to the QA market.
Volatility Over Time: MARK's weekly volatility (2%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 2006 | n/a | Fahad Bin Abdulla Al Khalifa | www.alrayan.com |
AlRayan Bank Q.P.S.C. engages in Islamic banking, financing, and investing activities in Qatar and internationally. The company operates through five segments: Corporate Banking, Retail Banking, Treasury and Financial Institutions, Asset Management, and International Operations. It offers current, savings, investment, and term deposit, and kids accounts, as well as other investment products; personal, car, and home finance products; and credit, debit, corporate, and prepaid cards.
AlRayan Bank Q.P.S.C. Fundamentals Summary
| MARK fundamental statistics | |
|---|---|
| Market cap | ر.ق18.33b |
| Earnings (TTM) | ر.ق1.35b |
| Revenue (TTM) | ر.ق8.31b |
13.6x
P/E Ratio0.7x
P/B RatioIs MARK overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| MARK income statement (TTM) | |
|---|---|
| Revenue | ر.ق8.31b |
| Cost of Revenue | ر.ق0 |
| Gross Profit | ر.ق8.31b |
| Other Expenses | ر.ق6.96b |
| Earnings | ر.ق1.35b |
Last Reported Earnings
Jun 30, 2026
Next Earnings Date
n/a
| Earnings per share (EPS) | 0.15 |
| Gross Margin | 100.00% |
| Net Profit Margin | 16.26% |
| Debt/Equity Ratio | 132.4% |
How did MARK perform over the long term?
See historical performance and comparisonDividends
5.6%
Current Dividend Yield76%
Payout RatioCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/07/28 11:22 |
| End of Day Share Price | 2026/07/28 00:00 |
| Earnings | 2026/06/30 |
| Annual Earnings | 2025/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
| |
| Analyst Consensus Estimates | +3 years |
|
|
| Market Prices | 30 years |
| |
| Ownership | 10 years |
| |
| Management | 10 years |
| |
| Key Developments | 10 years |
|
* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
AlRayan Bank Q.P.S.C. is covered by 7 analysts. 3 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Jaap Meijer | Arqaam Capital Research Offshore S.A.L. |
| Rahul Shah | Deutsche Bank |
| Elena Sanchez-Cabezudo | EFG-Hermes Research |