Derayah Financial: Comprehensive Analysis and Role in Saudi Market

Derayah Financial was established in the mid-last decade, emerging as a result of a strategic vision aimed at bridging the gap between traditional financial services and the changing needs of the Saudi market. From the outset, the company focused on supporting digital transformation in the financial sector and enhancing customer experience through advanced technological solutions. Its establishment was the result of a partnership between prominent Saudi investors and major financial institutions, led by Aswaq Financial, which provided it with a strong financial base and diverse expertise in the investment world.

Derayah's strategy did not limit itself to offering traditional brokerage services; instead, it primarily focused on establishing the concept of smart digital investment, integrating human competencies with advanced technological platforms. This direction was evident in its early development of electronic trading platforms and enabling remote account opening and portfolio management, thereby saving time and effort for clients and attracting a wide range of new investors.

Over time, Derayah has successfully built a strong reputation as a reliable financial services provider, benefiting from the regulatory support provided by the Saudi Capital Market Authority and the conducive environment created by Vision 2030. The company gradually expanded its services to include asset management, launching diverse investment funds, and providing advisory and analytical solutions. By entering the real estate investment and alternative projects sector, it strengthened its presence in the local market and began planning for regional and international expansion.

Today, Derayah Financial exemplifies success in integrating technological innovation with financial expertise, having attracted hundreds of thousands of clients and achieved steady growth in assets under management. The company continues to invest in developing its digital infrastructure and expanding its service network to keep pace with rapid developments in the Saudi financial services sector, aiming for leadership in digital brokerage and asset management.

The ownership structure of Derayah Financial reflects a unique blend of local capital and global investment expertise, with a list of major shareholders that includes prominent Saudi investment companies, led by Aswaq Financial, along with individual investors from the private sector. This composition has provided the company with a solid financial base and offered knowledge and advisory support that enhances its stability and ability to expand.

Strategic partnerships play a pivotal role in the development and growth of Derayah Financial. Since its inception, management has focused on building collaborative relationships with local and global investment entities, including investment banks, asset management institutions, and fintech companies. These partnerships have enabled Derayah to diversify its products and offer innovative services that meet the needs of various customer segments. For instance, its collaboration with global companies in electronic trading has allowed its clients to access global markets such as U.S. and European stocks while maintaining full compliance with local regulatory requirements.

Moreover, the diversity of Derayah's shareholder base reflects investors' confidence in the company's business model and future vision. Aswaq Financial has contributed its extensive experience in portfolio and fund management, enhancing the company's competitive strength in the market. The company's openness to attracting new investors and its readiness for an initial public offering (IPO) in 2025 indicate its commitment to transparency and expanding its shareholder base.

This balanced model of ownership and partnerships has granted Derayah Financial significant capacity to face market challenges and capitalize on available opportunities amid increasing competition. It has also enabled continuous investment in developing its digital platforms and providing high-quality services, positively impacting growth rates in client numbers and assets under management, and allowing it to maintain its position as a leading company in the financial services sector in Saudi Arabia.

Derayah Financial offers a comprehensive range of financial services that meet the needs of a wide array of individual and institutional investors. At the forefront of these services is financial brokerage, where the company allows for easy opening of electronic trading accounts through its smart platforms, enabling clients to access Saudi and global stock markets through strategic partnerships with international brokers. The brokerage service is characterized by fast order execution, ease of portfolio monitoring, and the provision of advanced analytical tools that support informed investment decisions.

In the field of asset management, Derayah provides diverse solutions for managing investment portfolios, with the ability to customize portfolios according to each client's goals and preferred risks. The company relies on an investment methodology based on quantitative and qualitative analysis, employing specialized teams to monitor markets and make necessary adjustments to maximize returns and minimize risks. Derayah also offers automated investment services through the “Derayah Smart” platform, which relies on smart algorithms to build and periodically adjust portfolios based on market performance and client preferences.

Regarding investment funds, Derayah has launched a range of diverse funds covering sectors such as equities, real estate, and alternative investments. These funds allow investors to benefit from asset diversification and reduce the risks associated with direct investment in financial instruments. The company also provides regular and transparent reports on fund performance, with the ability to subscribe and redeem electronically with ease.

These integrated services have made Derayah Financial a key player in developing the non-banking financial sector, contributing to an increase in the percentage of individual investors, raising financial awareness, and solidifying the concept of smart digital investment in the Kingdom.

Technological innovation is a cornerstone of Derayah Financial's strategy, as the company has been keen since its inception to employ the latest fintech technologies to facilitate and enhance the investment experience. One of the most notable innovations introduced by the company is the “Derayah Smart” platform for automated investment (Robo-advisor), which relies on advanced algorithms to analyze client data, risk levels, and investment goals, and then build customized investment portfolios that are automatically adjusted based on market changes.

Derayah Smart empowers new investors to enter financial markets without needing deep expertise in financial analysis, as the platform automatically allocates assets and provides regular performance reports to help them track their investments clearly. This platform has received international technological awards in recognition of its leadership in the field of digital investment, along with user praise for the quality of the user experience and ease of interaction.

Additionally, Derayah Financial has developed smart mobile applications that allow clients to monitor their portfolios, execute orders, and manage accounts anytime and anywhere. The company has added features such as real-time alerts, fast financial transfers, and integration with financial social media platforms, making it closer to the digital generation.

Derayah also aims to integrate artificial intelligence and advanced data analysis into its services through automated market analysis platforms and investment trend forecasting tools. This has reflected positively in enhancing customer trust and increasing daily usage rates of the company's services. This technological direction represents a key competitive factor for Derayah, distinguishing it from traditional brokerage firms and enhancing its position as a leading company in the field of digital financial services in the Saudi market.

Derayah Financial recognizes that developing the Saudi financial market is not limited to providing advanced digital services but also requires raising the level of financial literacy among individuals and institutions. From this standpoint, the company has placed great emphasis on awareness initiatives, launching educational programs and awareness seminars through its digital platform “Derayah Academy” and social media. These initiatives aim to empower investors to understand the fundamentals of investing, read financial statements, and analyze company performance, helping them make informed and conscious decisions.

The financial education activities offered by Derayah range from virtual seminars, training courses, to visual educational content. The company has been keen to host financial experts and certified advisors to explain concepts such as risk management, portfolio diversification, and long-term investment strategies. Derayah also participates in national campaigns led by the Capital Market Authority and the Financial Analysts Association, aiming to raise financial awareness among various segments of society.

These efforts have contributed to increasing the rate of financial literacy among individuals, with statistics indicating a growing number of new investors joining the company's platforms monthly. As a result, the number of active accounts at Derayah reached hundreds of thousands by the end of 2024, reflecting the company's success in building a conscious and interactive investment community.

Moreover, Derayah has issued periodic educational reports highlighting the analysis of financial statements of Saudi companies, such as Hail Cement Company and others, explaining to investors how to read financial indicators and make investment decisions based on accurate data. The company continues to develop its educational programs in line with market aspirations and regulatory standards, aiming to establish financial literacy as one of the pillars of economic development in the Kingdom.

Derayah Financial has witnessed significant growth in recent years, driven by the expansion of its client base and the diversity of digital products it offers. According to the latest data by the end of 2024, the number of active trading accounts at the company reached hundreds of thousands, an unprecedented growth reflecting investor confidence in digital services and ease of access to markets. New technological offerings, such as the Derayah Smart platform, have attracted new segments of investors seeking smart and rapid investment solutions.

In terms of the total value of assets under management, Derayah Financial's assets rose to record levels exceeding several billion Saudi riyals by 2025. This growth is attributed to the increase in the value of investment portfolios and the rising demand for mutual and real estate investment funds recently launched by the company. Company data shows that the growth rate of assets under management in 2024 exceeded 25% compared to the previous year, a rate that reflects market dynamics and the effectiveness of client attraction and retention strategies.

On the revenue front, Derayah achieved a notable increase in commission revenues during 2024 and 2025, recording annual growth rates exceeding the sector average. The company also expanded its customer service center network and increased hiring, particularly in technical support and financial analysis teams, enhancing its ability to meet customer needs promptly and effectively.

Regarding product expansion, Derayah launched real estate-backed funds and new educational platforms in 2024, contributing to diversifying income sources and attracting new targeted segments. Its robotic platform has also received international awards, raising the company's recognition and positive reputation both locally and internationally. All these indicators confirm that Derayah Financial is undergoing a strong growth phase, supported by a balanced expansion strategy that combines technology, innovation, and customer focus.

The non-banking financial services sector in Saudi Arabia is one of the most competitive, featuring traditional and modern brokerage firms side by side. Derayah Financial competes with prestigious companies such as Kayan Financial, Al-Jazira Capital, Jadwa Investment, and Al-Ahli Financial, in addition to local capital firms like Nama Brokerage and Salam Financial.

Derayah's strength lies in its focus on digital solutions and technological innovation, as the company continuously invests in developing electronic trading platforms and facilitating online account opening and money transfers. This gives it an edge over many competitors who still rely more on traditional branches and classic brokerage services. Derayah also provides advanced market analysis tools and offers educational programs and virtual competitions to enhance investor engagement.

From a competitive standpoint, traditional companies have the advantage of wide geographical reach and institutional networks, but they often lack the technical flexibility and responsiveness that Derayah enjoys. Digital companies like Derayah have successfully attracted the younger generation of investors, who prefer to engage through smart applications and seek fast and transparent services.

Additionally, Derayah has distinguished itself by building strong partnerships with global investment firms, allowing its clients opportunities to invest in international markets, which not all local brokerage firms provide. Furthermore, the awards received by Derayah's platforms enhance its market position and increase its ability to compete and attract new clients. Overall, Derayah Financial has established itself as a leading player among major players in the sector, supported by a strategy that balances digital innovation with traditional investment expertise.

Derayah Financial recognized early on that the future of financial services depends on digital transformation and an integrated customer experience. Therefore, the company has invested heavily in developing electronic platforms that allow clients to open accounts, execute orders, and monitor investment portfolios in real-time. The user experience at Derayah relies on an easy-to-use interface, smart alerts, and immediate technical support, making it the preferred choice for many new and advanced investors.

Through its smart applications, clients can manage their investments from anywhere at any time, with access to continuously updated reports and analyses. Derayah also offers an automated order service that allows the execution of predefined investment strategies without manual intervention, contributing to reducing human errors and capitalizing on real-time market opportunities.

This integrated digital experience is reflected in high customer satisfaction rates, with surveys indicating that a significant percentage of Derayah users prefer it over traditional companies due to the speed of service and ease of interaction. Additionally, customer retention rates and the growth of active accounts are continuously rising, reflecting the success of the digital transformation strategy in enhancing customer loyalty and increasing trading volumes.

This experience has also changed the standards of the Saudi market, as competing companies are now required to develop their digital platforms and meet the increasing aspirations of customers. Derayah has thus created a positive competitive environment that has pushed the Saudi financial sector towards more innovation and development, benefiting investors and raising the quality of services provided in the market as a whole.

Derayah Financial places utmost importance on financial security and regulatory compliance, as all its operations are subject to strict oversight by the Saudi Capital Market Authority (CMA) and adhere to the highest professional standards in providing its services. The company has obtained a full license to conduct brokerage, asset management, and investment fund activities, ensuring the protection of clients' interests and the safety of their transactions.

Derayah operates under clear and transparent disclosure policies, regularly publishing reports on the performance of investment products and disclosing the risks associated with each financial product. The company also implements strict controls to combat money laundering and terrorism financing, utilizing the latest identity verification and encryption systems to ensure the confidentiality of client data.

Technically, Derayah continuously invests in updating its electronic security systems, and its platforms undergo regular security testing by specialized companies to ensure they are not vulnerable to breaches or cyberattacks. The company also provides specialized technical support channels to address any inquiries or security issues clients may encounter.

Derayah is also committed to updating its policies in line with developments in local and global regulatory frameworks, and it ensures continuous training for its employees on the latest legislation and compliance requirements. This strict commitment to security and transparency has enhanced Derayah Financial's credibility in the market, making it a trusted choice for investors seeking a secure and organized investment environment that protects their rights and provides them with complete peace of mind during their transactions.

Derayah Financial's ambitions have not been limited to the Saudi market; it has sought for years to empower its clients to access global financial markets. Through partnerships with international brokers and global trading platforms, Derayah allows investors the opportunity to trade in U.S., European, and other global stocks while maintaining full compliance with local regulations.

This service has provided Saudi investors the ability to diversify their investment portfolios and spread risks more broadly. For example, through the Derayah platform, an investor can purchase shares of major global companies such as Apple and Microsoft or invest in international index funds, opening new horizons for achieving diverse returns. Derayah also provides data and analyses of global markets and allows investors to follow news of companies listed on foreign exchanges.

However, entering global markets entails challenges related to currency fluctuations, differing regulatory frameworks, and varying risk levels between markets. Therefore, Derayah is keen to educate its clients about these aspects, providing them with periodic reports explaining the risks associated with international investment, in addition to analytical tools that enable them to make informed decisions.

This step has increased Derayah Financial's attractiveness to investors seeking external investment opportunities and enhanced its competitiveness against major brokerage firms. It also reflects the company's strategic direction towards regional and international expansion, making it a pivotal player in linking the Saudi market with global financial markets.

Derayah Financial relies on a diversified financial model based on several main sources of income, the most prominent of which are trading commissions, asset management fees, and revenues from investment funds. The company has witnessed significant revenue growth during the period 2024–2025, driven by increased trading volumes and an expanding client base. Internal reports indicated a monthly increase in trading volume through the Derayah platform exceeding 25% compared to the previous year, positively impacting operational revenues.

In terms of employment, Derayah has adopted an expansionary policy in attracting talents, especially in the fields of technology, financial analysis, and customer service. The company has strengthened its teams with specialists in software development, data experts, and certified financial advisors to ensure the best investment solutions and technical support for clients. Additionally, it has opened new customer service centers in major Saudi cities, alongside supporting digital channels to meet customer needs promptly.

Regarding expansion, Derayah launched new products in 2024, such as supported real estate funds and advanced educational platforms, contributing to attracting new segments of investors. Its robotic platform has also received global technological awards, enhancing the company's reputation and increasing its competitiveness in both local and international markets.

These indicators reflect the success of Derayah's strategy in building a flexible financial model capable of adapting to market changes while maintaining sustainable growth rates in revenues and profits. The company continues to invest in developing its digital infrastructure and expanding its service offerings, positioning itself for continued growth and achieving a leading position in the Saudi financial services sector.

In 2025, Derayah Financial entered a new phase in its journey by preparing for an initial public offering (IPO), representing a strategic step aimed at expanding its shareholder base and enhancing capital to support future expansion plans. The company has prepared a comprehensive IPO prospectus, fulfilling the regulatory requirements set by the Saudi Capital Market Authority, and disclosed its growth and expansion plans in both local and international markets.

The readiness for the public offering is an indicator of the company's maturity and financial stability, as it requires a high level of transparency and compliance with accounting and disclosure regulations. Derayah has leveraged this event to enhance the confidence of existing and new investors by publishing detailed reports on its financial results and clarifying its operational strategies. The company has also organized introductory meetings and seminars for investors to explain the details of the offering and the benefits it offers to potential shareholders.

The listing of Derayah Financial on the Tadawul market is expected to increase the liquidity of the company's shares, attract more local and international capital, and enhance its competitive position among listed brokerage and asset management firms. The offering also reflects the company's commitment to developing the non-banking financial sector and supporting the objectives of Saudi Vision 2030 in diversifying funding sources and stimulating innovation.

However, this step requires Derayah to maintain high levels of financial and operational performance and continue developing its services to meet the aspirations of new shareholders. This phase is pivotal in the company's history, as it will determine its ability to sustain and expand in a rapidly changing competitive environment.

The Saudi financial sector represents an advanced regulatory environment, where the Saudi Capital Market Authority (CMA) establishes strict frameworks to ensure transparency, protect investors, and enhance market stability. Within this environment, Derayah Financial has emerged as a company committed to applying the highest compliance standards, benefiting from legislative facilities that support innovation and the development of digital financial services.

The authority seeks to encourage the listing of small and medium-sized enterprises and facilitate financing for investment projects, positively reflecting on companies like Derayah that benefit from these initiatives to expand their client base and product offerings. Derayah also participates in national campaigns to promote savings and investment culture and is among the leading companies in providing financial awareness programs in collaboration with regulatory bodies and the Financial Analysts Association.

The regulatory environment in Saudi Arabia is characterized by its flexibility and responsiveness to global market developments, with many regulations updated to allow for the trading of digital financial instruments, facilitate remote account opening, and enable secure and efficient electronic trading. Derayah benefits from these developments in providing advanced services that meet global standards and fulfill investor aspirations.

Additionally, Derayah Financial plays a role in supporting the objectives of Vision 2030 by diversifying national income sources and increasing individual participation in the financial market. The company contributes to increasing trading volumes, diversifying financial products, and attracting foreign investments through its international partnerships. Its successes reflect the ability of the Saudi financial sector to adapt to changes and embrace innovation, making it a model to be emulated in the region.

In recent years, Derayah Financial has distinguished itself by expanding its activity in the investment funds sector, launching a diverse range of funds covering equities, real estate, and alternative investments. These funds aim to provide balanced investment solutions that meet the needs of investors seeking asset diversification and reducing risks associated with direct investment.

Among the most notable products launched by the company in 2024 is the supported real estate fund, which allows investors to benefit from growth in the Saudi real estate sector without needing to own the assets directly. The fund provides opportunities to invest in real estate development projects, residential and commercial complexes, with periodic and transparent profit distribution. Derayah has also launched equity funds and fixed-income funds that allow investors to achieve regular returns while maintaining an acceptable level of risk.

The company manages these funds according to a precise investment methodology based on fundamental and technical analysis, continuously monitoring market performance and updating investment portfolios in line with market changes. Derayah is keen to provide detailed periodic reports to investors, clarifying fund performance, distribution ratios, and key developments in targeted markets.

These products have contributed to attracting new segments of investors, especially individuals and institutions seeking sustainable growth without needing to manage their investments directly. They have also enhanced the company's ability to diversify its income sources and increased the volume of assets under management. Overall, these developments reflect Derayah Financial's leadership in the investment and real estate funds sector and its ability to innovate and meet the evolving needs of the Saudi market.

Derayah Financial aims to achieve sustainable growth not only through the development of its products and services but also through its commitment to social and environmental responsibility principles. The company has prioritized supporting financial inclusion initiatives, promoting a culture of savings, and providing accessible investment opportunities for various community segments, including youth and women. Derayah participates in national financial awareness campaigns and offers free educational programs through its digital platform, aiming to raise financial literacy and help individuals make responsible investment decisions.

In terms of environmental sustainability, the company is committed to applying environmental, social, and governance (ESG) standards in managing its investments, particularly in real estate funds and alternative projects. Derayah supports investment in environmentally friendly projects and strives to integrate environmental responsibility standards into its investment opportunity assessments. It also encourages the use of digital technology to reduce carbon emissions resulting from operational activities and seeks to minimize paper consumption by fully transitioning to electronic transactions.

Socially, Derayah has launched initiatives to support entrepreneurs and startups through venture capital programs, as well as providing training and employment opportunities for Saudi youth in financial technology and financial analysis fields. The company believes that investing in human capital is the foundation of sustainability and long-term growth.

These efforts reflect Derayah Financial's image as a socially and environmentally responsible company and affirm its commitment to providing added value to the community and the national economy. They also enhance investor and client trust in the company and support its ability to achieve sustainable growth in a changing financial environment.