1. Saudi Arabia Stocks

  2. •

    Finance

  3. •

    Finance/Rental/Leasing
Nayifat Finance Company

Nayifat Finance Company

TTADAWUL:4081
8.75
SAR
-0.21
(-2.34%)
-0.90EPS
1.16BMarket Cap
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
2.27
2.28
2.81
3.09
3.11
3.04
2.89
2.66
2.49
2.37
Basic EPS, GAAP
1.41
1.47
1.82
1.68
1.88
1.43
0.74
1.09
-1.05
-0.9
Free Cash Flow per Basic Share
1.62
1.85
-0.51
3.39
1.76
0.74
-0.34
1.42
-0.36
1.95
Dividend per Share
- -
0.71
0.71
0.82
1.27
0.63
- -
- -
0.83
0.34
Book Value per Share
7.13
7.9
8.47
9.33
9.94
10.74
11.47
12.07
10.63
11.15
Tangible Book Value per Share
7.1
7.84
8.4
9.22
9.71
10.58
11.38
12
10.56
11.08
Basic Weighted Avg Shares
120
120
120
120
120
120
120
120
120
117
Sales/Revenue/Turnover
273
273
337
371
373
364
347
319
298
277
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
4
5
10
12
10
14
11
10
6
5
Net Income, GAAP
170
177
219
201
225
171
89
131
-126
-105
Effective Tax Rate (%)
- -
- -
- -
10.76
10.18
10.3
16.79
11.91
- -
- -
Profit Margin (%)
62.13
64.58
64.98
54.27
60.38
47.06
25.59
41.11
-42.36
-38.01
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
914
682
874
665
585
554
625
476
837
692
Total Equity
856
948
1,016
1,119
1,192
1,289
1,377
1,448
1,240
1,300
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
10.97
12.64
9.47
4.62
6.69
- -
- -
Return on Common Equity (%)
- -
19.58
22.28
18.87
19.47
13.82
6.66
9.29
-9.4
-7.7

Capital Structure

SAR

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
117
117
117
Market Capitalization
1,418
1,165
1,158

Working Capital

SAR

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
262
308
368
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

SAR

•

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
- -
- -
- -

Quarterly Revenue

SAR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
74
81
81
83
319
2025
78
72
77
72
298
2026
68
61
- -
- -
- -

Quarterly Earnings Per Share

SAR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.14
0.32
0.32
0.31
1.09
2025
0.2
0.13
0.17
-1.59
-1.05
2026
0.2
0.32
- -
- -
- -

Quarterly Dividends Per Share

SAR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
0.33
- -
0.83
2026
- -
- -
- -
- -
- -

Company Description

Company Profile APIChatGPT
CEO
Khalid Abdul Aziz Al Jenaidel
Full Time Employees
395
Sector
Finance
Industry
Finance/Rental/Leasing
Address
766 Al Ulaya Riyadh Riyadh Province Saudi Arabia 12253-2105
IPO Date
Nov 22, 2021
Website
nayifat.com
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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.