1. Saudi Arabia Stocks

  2. •

    Financial Services

  3. •

    Financial - Credit Services
Nayifat Finance Company

Nayifat Finance Company

4081.SR
Nayifat Finance CompanySA flagSaudi Exchange
9.78
SAR
- -
- -
1.14BMarket Cap
Nayifat Finance Company
4081.SR
(Saudi Exchange)

Recent

price

9.78

P/E

ratio

- -

div

yld

- -

ROIC.AI

2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
2.27
2.28
2.81
3.09
3.11
3.04
2.89
2.66
2.49
2.43
Revenue per Share
1.41
1.47
1.82
1.68
1.88
1.43
0.74
1.09
-1.05
-1.07
Basic EPS, GAAP
1.62
1.85
-0.51
3.39
1.76
0.74
-0.34
1.42
-0.36
0.77
Free Cash Flow per Basic Share
- -
0.71
0.71
0.82
1.27
0.62
- -
- -
0.83
0.33
Dividend per Share
5.33
7.75
8.68
8.83
9.25
9.91
10.82
11.3
10.51
10.82
Book Value per Share
7.1
7.84
8.4
9.22
9.71
10.58
11.38
12
10.26
10.57
Tangible Book Value per Share
120
120
120
120
120
120
120
120
120
119
Basic Weighted Avg Shares
273
273
337
371
373
364
347
319
298
289
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
4
5
10
12
10
14
11
10
6
5
Depreciation Expense
170
177
219
201
225
171
89
131
-126
-127
Net Income, GAAP
- -
- -
- -
10.76
10.18
10.3
16.79
11.91
- -
50.59
Effective Tax Rate (%)
62.13
64.58
64.98
54.27
60.38
47.06
25.59
41.11
-42.36
-43.87
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
914
682
874
665
585
554
625
476
837
764
LT Debt
856
948
1,016
1,119
1,192
1,289
1,377
1,448
1,240
1,263
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
22.5
22.21
19.18
20.76
14.92
7.13
9.89
-9.65
-9.27
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
118
117
117
Market Capitalization
1,609
1,457
1,186

Working Capital

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
51
262
308
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
2.44%
-14.4%
Free Cash Flow
- -
-179.24%
-125.51%
Net Income, GAAP
- -
-41.74%
-196.27%
Sales/Revenue/Turnover
- -
-4.24%
-6.58%
Total Cash Common Dividend
- -
- -
32.38%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
74
81
81
83
319
2025
78
72
77
72
298
2026
68
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.14
0.32
0.32
- -
1.09
2025
0.2
0.13
0.17
- -
-1.05
2026
0.2
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
0.33
- -
0.83
2026
- -
- -
- -
- -
- -
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Nayifat Finance Company (4081.SR)
Business
Nayifat Finance Company is a Saudi Arabia-based public shareholding financial services firm founded in 2002 and headquartered in Riyadh. It primarily offers Shariah-compliant financial products including personal finance, consumer finance, lease finance, small and medium enterprise (SME) finance, debt crowdfunding, and Islamic credit cards. Its core business segments serve retail customers, SMEs, and high net-worth individuals across the Kingdom of Saudi Arabia. The company provides flexible payment plans and digitally enabled financing solutions tailored to individual and corporate customer needs. Nayifat Finance focuses on supporting SMEs by offering financing for purchasing fixed assets, business expansion, and working capital across various economic sectors including industrial, commercial, transport, communications, education, and medical services. It also extends its financing services via innovative digital platforms to enhance customer experience and operational efficiency. The company’s strategy targets sustainable growth of its financing portfolio, boosting market competitiveness, accelerating digital transformation, and strengthening risk management and credit quality. Recent major developments include the launch of a new five-year strategic plan for 2025-2030 aimed at reinforcing its leadership in the Saudi financing sector and contributing to the Kingdom’s Vision 2030. This plan emphasizes financial product innovation, expanding market segments, and digital transformation. Nayifat has also approved a treasury share buyback program of up to 3.4 million shares and declared cash dividends for recent quarters. It continues to optimize its corporate governance and human capital to support its growth ambitions. Overall, Nayifat Finance Company operates as a significant non-bank financial institution in Saudi Arabia’s consumer and SME finance markets, leveraging Sharia-compliant products, digital innovation, and strategic initiatives to enhance its competitive positioning and financial performance in alignment with national economic goals.