Backed by the scale and governance standards of Kuwait Finance House, KFH Capital has built its reputation on combining strict adherence to Islamic finance principles with continuous investment in digital infrastructure, product innovation, and client experience across its asset management and trading businesses.

KFH Capital has picked up two honours at the International Finance Awards 2026: Fastest Growing Asset Management Company – Kuwait, and Best Shariah-Compliant Trading Platform – Kuwait, awarded to its proprietary platform, KFHtrade.

Over the past 18 months, both businesses have expanded quickly, driven by a client-first strategy, sustained investment in digital infrastructure, and a steady stream of new, Sharia-compliant products for individual, high-net-worth, and institutional investors.

A Client-First Growth Story
KFH Capital’s Asset Management Division has grown its assets under management and expanded its client base substantially over the award period, reflecting rising trust from investors across Kuwait and the region.

Much of that growth has come from a deliberate redesigning of the client journey: onboarding and account-opening procedures have been simplified and digitised, cutting processing times while preserving strict governance, compliance, and risk management standards.

Enhanced digital platforms now give clients clearer visibility into their portfolios and greater control over how they monitor and manage their investments.

Product innovation has reinforced this momentum. During the award period, KFH Capital launched the Equity Trading Finance Product on Boursa Kuwait, a pre-approved, Sharia-compliant financing solution offered exclusively to Kuwait Finance House clients that gives investors more efficient access to capital for equity trading.

The division has also broadened its discretionary portfolio management (DPM) offering with a global mandate, giving clients wider access to international markets as part of its Sharia-compliant investment solutions, expanded its market-making capabilities, broadened its client base, and strengthened liquidity across listed securities, and supported the marketing and distribution of several sukuk issuances, widening investor access to quality Sharia-compliant fixed-income opportunities.

Digital transformation has been a central thread across this growth. KFH Capital has invested heavily in digital capabilities that improve transparency and operational efficiency, while staying active in Boursa Kuwait’s infrastructure enhancement initiatives through both KFHtrade and the group’s brokerage arm, KFH Brokerage Company.

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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

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