Key Information about the Sukuk Programme and First Issuance
| Issuer | Bidaya Finance |
| Instrument type | Senior Unsecured Sukuk |
| Programme size | SAR 1,000,000,000 |
| Offer type | Public offer |
| Currency | Saudi Riyal (SAR) |
| Tenor / maturity | 3 Years |
| Annual profit rate | 7.1% (profit distributed quarterly) |
| Trading | Listed and traded on Tadawul |
| Zakat | Zakat Free |
| Issuer credit rating | Fitch Ratings – BBB- (sau) |
| Lead Arranger & Co-Financial Advisor | Impact46 |
Issuer Financial Highlights
Based on Q3 2025
SAR 5.9B
Financing portfolio
SAR 1.7B
Total financing
SAR 309M
Revenue (annualized)
SAR 20M
Net profit (annualized)
5%
Net profit margin
20%
Revenue CAGR (since 2022)
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