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AlRayan Bank Q.P.S.C. (MARK.QA)
Lusail, QA
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.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +0.37% | +2.11% | +0.23% | -3.33% | -0.23% | -0.68% | -2.90% | -15.04% | -51.12% | -33.49% | +143.02% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 1 | 0 |
| Buy | 0 | 0 |
| Hold | 3 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
-
Revenue growth-12.6% Q1'26: -8.0% (vs Q1'25)
-
EPS growth+0.0% Q1'26: -11.4% (vs Q1'25)
-
FCF margin— Q1'26: -186.1% (vs Q1'25)
-
EBIT margin— Q1'26: +53.5% (vs Q1'25)
-
ROIC— Q1'26: +5.3% (vs Q1'25)
-
Share dilution+0.0% Q1'26: +0.0% (vs Q1'25)
-
Debt / EBITDA— Q1'26: 6.20× (vs Q1'25)
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
| Metric |
Dec 2015 actual |
Dec 2016 actual |
Dec 2017 actual |
Dec 2018 actual |
Dec 2019 actual |
Dec 2020 actual |
Dec 2021 actual |
Dec 2022 actual |
Dec 2023 actual |
Dec 2024 actual |
Dec 2025 actual |
Dec 2026 2 Rev. Ana. 2 EPS Ana. |
Dec 2027 2 Rev. Ana. 2 EPS Ana. |
Dec 2028 1 Rev. Ana. 1 EPS Ana. |
Dec 2029 1 Rev. Ana. 1 EPS Ana. |
Dec 2030 1 Rev. Ana. 1 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
2.32B
est: 2.55B (-9.0%)
|
2.29B
est: 2.41B (-5.3%)
|
2.49B
est: 2.64B (-5.7%)
|
3.23B
est: 2.89B (+11.9%)
|
3.42B
est: 2.86B (+19.8%)
|
2.93B
est: 3.52B (-16.7%)
|
3.22B
est: 4.32B (-25.6%)
|
3.95B
est: 4.34B (-9.0%)
|
3.14B
est: 8.85B (-64.5%)
|
3.11B
est: 3.64B (-14.6%)
|
2.72B
est: 3.44B (-21.0%)
|
3.25B
3.05B – 3.40B
-5.4% YoY
|
3.61B
3.42B – 3.73B
+10.9% YoY
|
3.81B
3.70B – 3.93B
+5.7% YoY
|
4.06B
3.83B – 4.22B
+6.5% YoY
|
4.40B
4.15B – 4.58B
+8.4% YoY
|
| EBITDA |
1.96B
est: 1.42B (+37.8%)
|
2.04B
est: 1.35B (+51.4%)
|
2.03B
est: 1.47B (+38.3%)
|
2.16B
est: 1.61B (+34.1%)
|
2.21B
est: 1.59B (+38.6%)
|
2.19B
est: 1.96B (+11.6%)
|
1.79B
est: 2.41B (-25.7%)
|
1.54B
est: 2.42B (-36.4%)
|
1.69B
est: 4.76B (-64.5%)
|
1.73B
est: 1.96B (-11.4%)
|
1.76B
est: 1.85B (-5.0%)
|
1.75B
1.64B – 1.83B
-5.4% YoY
|
1.94B
1.84B – 2.00B
+10.9% YoY
|
2.05B
1.99B – 2.11B
+5.7% YoY
|
2.18B
2.06B – 2.27B
+6.5% YoY
|
2.36B
2.23B – 2.46B
+8.4% YoY
|
| EBIT |
1.95B
est: 1.33B (+46.4%)
|
2.02B
est: 1.26B (+60.9%)
|
2.02B
est: 1.37B (+47.0%)
|
2.14B
est: 1.50B (+42.7%)
|
2.19B
est: 1.49B (+47.3%)
|
2.17B
est: 1.83B (+18.2%)
|
1.72B
est: 2.25B (-23.4%)
|
1.36B
est: 2.26B (-39.8%)
|
1.51B
est: 4.33B (-65.0%)
|
1.56B
est: 1.78B (-12.4%)
|
1.58B
est: 1.68B (-5.9%)
|
1.59B
1.49B – 1.66B
-5.4% YoY
|
1.76B
1.67B – 1.82B
+10.9% YoY
|
1.86B
1.81B – 1.92B
+5.7% YoY
|
1.99B
1.87B – 2.06B
+6.5% YoY
|
2.15B
2.03B – 2.24B
+8.4% YoY
|
| Net Income |
2.07B
est: 2.49B (-16.7%)
|
2.08B
est: 2.53B (-17.9%)
|
2.03B
est: 2.50B (-18.8%)
|
2.13B
est: 2.62B (-18.7%)
|
2.18B
est: 2.66B (-18.3%)
|
2.18B
est: 2.76B (-21.2%)
|
1.72B
est: 2.67B (-35.8%)
|
1.34B
est: 1.43B (-5.7%)
|
1.45B
est: 1.43B (+1.5%)
|
1.51B
est: 1.49B (+0.9%)
|
1.53B
est: 1.48B (+3.1%)
|
1.15B
1.01B – 1.29B
-22.4% YoY
|
1.37B
1.35B – 1.54B
+19.2% YoY
|
1.54B
1.44B – 1.63B
+12.0% YoY
|
1.88B
1.74B – 1.98B
+22.3% YoY
|
2.02B
1.87B – 2.12B
+7.4% YoY
|
| SGA |
69.98M
est: 86.72M (-19.3%)
|
21.97M
est: 81.95M (-73.2%)
|
63.06M
est: 89.58M (-29.6%)
|
87.68M
est: 98.01M (-10.5%)
|
44.32M
est: 96.99M (-54.3%)
|
83.10M
est: 119.59M (-30.5%)
|
81.38M
est: 146.72M (-44.5%)
|
198.50M
est: 147.29M (+34.8%)
|
90.10M
est: 330.91M (-72.8%)
|
115.78M
est: 136.10M (-14.9%)
|
123.43M
est: 128.56M (-4.0%)
|
121.63M
113.96M – 127.16M
-5.4% YoY
|
134.83M
127.79M – 139.46M
+10.9% YoY
|
142.46M
138.15M – 146.76M
+5.7% YoY
|
151.73M
143.03M – 157.74M
+6.5% YoY
|
164.51M
155.08M – 171.03M
+8.4% YoY
|
| EPS |
0.28
est: 0.27 (+4.6%)
|
0.28
est: 0.27 (+3.0%)
|
0.27
est: 0.27 (+0.5%)
|
0.28
est: 0.28 (-0.6%)
|
0.29
est: 0.29 (+1.2%)
|
0.29
est: 0.30 (-2.4%)
|
0.22
est: 0.29 (-23.5%)
|
0.14
est: 0.15 (-8.7%)
|
0.15
est: 0.15 (-2.5%)
|
0.16
est: 0.17 (-3.0%)
|
0.16
est: 0.16 (-1.5%)
|
0.13
0.11 – 0.14
-21.1% YoY
|
0.16
0.15 – 0.17
+21.0% YoY
|
0.17
0.15 – 0.18
+7.7% YoY
|
0.20
0.19 – 0.21
+20.9% YoY
|
0.22
0.20 – 0.23
+7.4% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-25 | C+ | 2/5 | 1/5 | 2/5 | 3/5 | 2/5 | 2/5 | 3/5 |
| 2026-05-24 | C+ | 2/5 | 1/5 | 2/5 | 3/5 | 2/5 | 2/5 | 3/5 |
| 2026-05-21 | C+ | 2/5 | 1/5 | 2/5 | 3/5 | 2/5 | 2/5 | 3/5 |
| 2026-05-20 | C+ | 2/5 | 1/5 | 2/5 | 3/5 | 2/5 | 2/5 | 3/5 |
| 2026-05-19 | C+ | 2/5 | 1/5 | 2/5 | 3/5 | 2/5 | 2/5 | 3/5 |
| 2026-05-18 | C+ | 2/5 | 1/5 | 2/5 | 3/5 | 2/5 | 2/5 | 3/5 |
| 2026-05-17 | B- | 2/5 | 1/5 | 3/5 | 3/5 | 2/5 | 2/5 | 3/5 |
| 2026-05-14 | C+ | 2/5 | 1/5 | 2/5 | 3/5 | 2/5 | 2/5 | 3/5 |
| 2026-05-13 | C+ | 2/5 | 1/5 | 2/5 | 3/5 | 2/5 | 2/5 | 3/5 |
| 2026-05-12 | C+ | 2/5 | 1/5 | 2/5 | 3/5 | 2/5 | 2/5 | 3/5 |
| 2026-05-11 | C+ | 2/5 | 1/5 | 2/5 | 3/5 | 2/5 | 2/5 | 3/5 |
| 2026-05-10 | C+ | 2/5 | 1/5 | 2/5 | 3/5 | 2/5 | 2/5 | 3/5 |
| 2026-05-07 | C+ | 2/5 | 1/5 | 2/5 | 3/5 | 2/5 | 2/5 | 3/5 |
| 2026-05-06 | C+ | 2/5 | 1/5 | 2/5 | 3/5 | 2/5 | 2/5 | 3/5 |
| 2026-05-05 | B- | 2/5 | 1/5 | 2/5 | 3/5 | 2/5 | 2/5 | 4/5 |
| 2026-05-04 | B- | 2/5 | 1/5 | 2/5 | 3/5 | 2/5 | 2/5 | 4/5 |
| 2026-05-03 | C+ | 2/5 | 1/5 | 2/5 | 3/5 | 2/5 | 2/5 | 3/5 |
| 2026-04-30 | C+ | 2/5 | 1/5 | 2/5 | 3/5 | 2/5 | 2/5 | 3/5 |
| 2026-04-29 | C+ | 2/5 | 1/5 | 2/5 | 3/5 | 2/5 | 2/5 | 3/5 |
| 2026-04-28 | C+ | 2/5 | 1/5 | 2/5 | 3/5 | 2/5 | 2/5 | 3/5 |
| 2026-04-27 | B- | 2/5 | 1/5 | 2/5 | 4/5 | 2/5 | 2/5 | 3/5 |
| 2026-04-26 | B- | 2/5 | 1/5 | 2/5 | 4/5 | 2/5 | 2/5 | 3/5 |
| 2026-04-23 | B | 3/5 | 1/5 | 3/5 | 4/5 | 2/5 | 2/5 | 4/5 |
| 2026-04-22 | B | 3/5 | 1/5 | 3/5 | 4/5 | 2/5 | 2/5 | 4/5 |
| 2026-04-21 | B | 3/5 | 1/5 | 3/5 | 4/5 | 2/5 | 3/5 | 4/5 |
| 2026-04-20 | B | 3/5 | 1/5 | 3/5 | 4/5 | 2/5 | 3/5 | 4/5 |
| 2026-04-19 | B | 3/5 | 1/5 | 3/5 | 4/5 | 2/5 | 3/5 | 4/5 |
| 2026-04-16 | B | 3/5 | 1/5 | 3/5 | 4/5 | 2/5 | 3/5 | 4/5 |
| 2026-04-15 | B | 3/5 | 1/5 | 3/5 | 4/5 | 2/5 | 3/5 | 4/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Adel Attia | Chief Internal Auditor & GM of Group Internal Audit | — | male |
| Fahad Bin Abdulla Al Khalifa | Group Chief Executive Officer | — | male |
| Hamad Al Kubaisi | Group Chief Human Resources Officer | — | male |
| Mutaz Jamal Al Dana | General Manager of Group Compliance & AML | — | male |
| Nasser Bin Hamad Bin Nasser J. Al Thani | Non-Executive & Non-Independent Director | — | — |
| Omar Al Emadi | Group Chief Business Officer | — | male |
| Shahnawaz Niazi | Group Chief Financial Officer | — | male |
| Sheikh Ali Bin Jassim Mohamed J. Bin Ali Al Thani | Non-Executive & Non-Independent Director | — | — |
| Stuart Rennie | Group Chief Operating Officer | — | male |
| Tawfiq Adnan Zuwayyed | GM & Group General Legal Counsel | — | male |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
Share your view on this stock and instantly see how the community has voted over the last 6 months.
Community Opinion for MARK.QA
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
