Market Overview
The Saudi financial landscape is composed of a diverse set of regulated entities. This section provides a snapshot of the total number of Finance Companies (FCs) and their distribution across various licensed activities, highlighting the market's structure and areas of specialization.
Total Unique Finance Companies
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Finance Aggregation Services
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Most Common Activity
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Number of Finance Companies Over the Past 10 Years
Finance Companies by Licensed Activity
Sector Profitability
This section analyzes the financial health of the Finance Companies sector through key profitability indicators: Net Income, Return On Assets (ROA), and Return On Equity (ROE). The trends reveal the sector's resilience and recovery following economic fluctuations.
Credit Market by Activity
Explore the growth of the credit market broken down by its core activities. This visualization highlights the significant expansion in consumer-led financing, particularly personal and credit card finance, showcasing shifts in consumer behavior and market demand. CAGR values are presented in the table below.
Credit Market Activity CAGR (%)
| Activity | 2018-2024 CAGR | 2018-2030 CAGR |
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Credit Market by Sector
This section details the credit distribution across Retail, SME, and Corporate sectors. The charts illustrate the retail sector's dominance and the robust, accelerating growth in lending to Small and Medium Enterprises (SMEs), which aligns with national economic diversification goals.
Credit Share by Sector (2024)
Credit Growth by Sector (SAR Mn)
Real Estate Finance Deep Dive
A detailed look into the real estate finance market, comparing trends in retail and corporate loans. This section also analyzes new residential loan data, revealing a significant market shift in consumer preference from villas to apartments and land.
Real Estate FC Loans (Retail vs. Corporate)
New Residential Loans: Contracts vs. Value by Type
Finance Aggregation Services
This section highlights companies offering Finance Aggregation Services, a specialized area within the financial market that connects users with various financial products and providers. These services play a crucial role in enhancing market efficiency and accessibility.