The “Smart” platform, operated by Derayah Financial, adheres to stringent regulations set forth by the Saudi Capital Market Authority. This regulatory framework ensures robust technical and institutional oversight, safeguarding investor rights, maintaining facts confidentiality, and guaranteeing the security of financial transactions.

about Derayah Financial

Derayah financial is a licensed entity within the Kingdom of Saudi Arabia, offering a comprehensive suite of financial services. These services encompass financial intermediation, asset management, and the advancement of innovative investment products. the company is dedicated to providing a sophisticated digital environment that empowers clients to access both local and international markets, all while upholding the highest professional and organizational standards.

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Bank of America Boosts Saudi German Health with Buy Rating

Analysts See Significant Upside Potential and Operational Improvements

Bank of America has initiated coverage on Saudi German Health, issuing a strong buy recommendation. The financial giant set a target price of 81 riyals, signaling a potential 59% return for investors.

New Growth Phase Ahead

The bank anticipates Saudi German Health will post a net profit of 370 million riyals in 2025, marking a substantial 31% year-over-year increase. This projection follows a period of aggressive expansion, with the company now entering a phase focused on enhancing operational efficiency and reducing its debt burden.

Despite a 26% stock decline year-to-date, attributed to market competition, Bank of America views this as a prime investment opportunity. Anticipated improvements in operations, pricing strategies, and integration efforts are expected to bolster the company’s profit margins and cash flows.

Analysts highlighted the attractive risk-reward profile, noting the company’s stock trades at a significant discount. Its forward price-to-earnings ratio is projected to be below 15 times for 2026, considerably lower than the sector average of approximately 20 times.

Infrastructure Solidifies Market Position

Saudi German Health’s expansive infrastructure is now largely complete, boasting over 1,400 beds across seven regions in Saudi Arabia. This network represents 70% to 80% of its licensed capacity, with further expansions planned for Jeddah and Dammam.

The company is actively working to increase its occupancy rates, targeting 75% by 2028-2029, up from the current rate below 70%. This strategic focus is poised to drive revenue growth.

Patient volume is expected to rise, supported by favorable medical credit policies and strengthened partnerships with insurance providers. These factors, combined with an improved case mix, are projected to contribute to an 11% annual revenue growth rate through 2027.

Debt Reduction on the Horizon

Bank of America noted that the company’s expansion was largely debt-financed, leading to a net debt-to-operational profit ratio of approximately 10 times in 2021. However, reduced capital expenditure and improved profitability are expected to slash this ratio to less than twice by 2028-2029.

The bank also suggested that further improvements in managing city receivables could lead to even greater debt reduction.

A recent report by the Saudi Central Bank indicates that the healthcare sector’s contribution to the Kingdom’s GDP reached SAR 135 billion in 2023, demonstrating robust growth and investment potential (General Authority for Statistics, 2023).

Shams Faces Delisting as Share Price Dips Below Minimum

Tourism Projects Company Under Pressure to Rectify Share Value

Tourism Projects Company, also known as Shams, is facing potential trading suspension after its share price fell significantly below the regulated minimum. The company has a strict three-month window to implement corrective measures.

Urgent Action Required for Share Price Recovery

On Saturday, July 19, 2025, Shams received official notification from the Saudi Trading Group regarding a decline in its average closing share price. This triggered a mandatory period for corrective actions, commencing the following day. The company is now obligated to address the low share valuation.

The firm’s strategy involves consolidating its shares to boost the per-share price. The aim is to reach a minimum closing price of 2 Saudi riyals. This plan requires shareholder approval through an extraordinary general meeting.

Alternatively, if the share price naturally recovers to 3 riyals or more within the three-month period, the share consolidation may be averted.

Share consolidation will reduce the total number of outstanding shares, impacting the value of each individual stock without altering the company’s overall capital.

Consequences of Non-Compliance

Failure to meet the minimum share price requirements could lead to the company’s shares being suspended from trading, as per the rules governing listed securities. Trading could then be moved to an over-the-counter platform.

Shams has reiterated its commitment to adhering to regulatory standards and implementing necessary measures to ensure its share price meets the minimum average closing price criteria.

The company assures stakeholders that all fundamental developments will be disclosed promptly.

Data from Argaam shows that Shams’ shares closed at 0.87 riyals last Thursday, well below the required threshold.

In June 2023, the company had previously adjusted its nominal share value to 0.5 riyals per share. Currently, its capital stands at 578.24 million riyals, represented by 1,156.47 million shares.

The average closing price for companies listed on the Saudi Stock Exchange (Tadawul) is a key indicator of financial health. For instance, the Tadawul All Share Index (TASI) has seen fluctuations, but maintaining a minimum share price is crucial for investor confidence and avoiding delisting procedures. As of early 2024, many Saudi-listed companies are focused on growth strategies to bolster their valuations (Tadawul Market Data).

For more information on listed companies.

Digital Output

– Bitcoin‘s value has surpassed that of currencies like the Brazilian Real adn Argentine Peso, and is approaching parity with others.

Future Utility

– Despite its current successes, Bitcoin’s future utility remains a subject of ongoing discussion and advancement.

Sources: Numbers, The Daily Telegraph, Fiat Market Cap, XT