Raya Financing Company is entering a new phase of growth in Saudi Arabia, supported by strong financial performance, an expanding financing portfolio, and continued investment in new financing solutions and operational capabilities.
The Saudi Central Bank (SAMA)-licenced financing company recorded total operating income of SAR 424.1 million in 2025, an increase of 59% compared with SAR 267.3 million in 2024.
Net profit after Zakat increased by 73% to SAR 40.3 million, while operating profit before Zakat and expected credit losses reached SAR 99.3 million, representing year-on-year growth of 55%.
The expansion was also reflected in Raya Financing’s balance sheet, with total assets increasing by 56% to SAR 3.09 billion. Its net financing portfolio across finance lease and Murabaha reached approximately SAR 2.86 billion by the end of 2025.
Growth Beyond the Numbers
The performance reflects Raya Financing’s broader strategy to expand its presence across consumer, automotive and SME financing while developing solutions that respond to evolving customer and business needs in the Kingdom.
SME financing and productive assets remain important areas of focus for the company as Saudi Arabia continues to strengthen the contribution of small and medium-sized businesses to the national economy under Vision 2030.
Raya is investing in its digital platforms and operational infrastructure as it works toward more seamless end-to-end digital financing journeys and greater process efficiency.
At the same time, the company continues to evolve its financing propositions to provide greater flexibility and address different customer needs across the financing journey.
Strengthening the Foundation for Expansion
As its financing portfolio grows, Raya Financing has taken steps to strengthen and diversify the funding supporting its expansion.
The company executed portfolio securitisation transactions with major financial institutions, including Saudi National Bank and Gulf International Bank.
Raya has advanced a SAR 500 million multi-issuance Sukuk programme following Board approval and regulatory approvals from SAMA and the Capital Market Authority.
The programme represents another step toward diversifying the company’s long-term funding sources and supporting future portfolio growth.
The company’s continued expansion, financial performance and strategic development come alongside its recognition at the International Finance Awards 2026.
Looking ahead, Raya Financing plans to continue building on its momentum through sustainable growth, product development, digital transformation, and further expansion across key financing segments.
With Saudi Arabia’s financial services sector continuing to evolve, Raya aims to strengthen its role in the market by developing financing solutions that serve individuals and businesses while contributing to the Kingdom’s broader economic ambitions.
Image Credit: Raya Financing