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Nayifat Finance Company (4081.SR)
SAR9.63
-0.04 (-0.41%)
SA SAU Financial Services Financial - Credit Services
Address
FALCOM Financial Services Building 11417
Riyadh, Riyadh Province, SA
Riyadh, Riyadh Province, SA
CEO
Khalid Abdulaziz AlJenaidel
Website
nayifat.com
IPO
2021-12-08
ISIN SA15DGH1VOH4
Description
Operating as a non-banking financial institution, Nayifat Finance Company specializes in providing Shariah-compliant financing to individuals and businesses across the Kingdom of Saudi Arabia. Its offerings encompass a range of financial products, including lease finance, funding for small and medium-sized enterprises (SMEs), personal consumer loans, and credit card services. The company was founded in 2002 and is based in Riyadh, Saudi Arabia.
Market Cap & Enterprise Value
Merger & Acquisition History
No mergers or acquisitions recorded for this company.
Technical Outlook
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Signal Summary
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| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
SAR9.63
-0.04 (-0.41%)
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Volume Profile
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Liquidity & share structure
Average Volume
177.8K
Beta
0.34
Float Shares
52.66M
Free Float %
45.2%
Price Performance
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +0.00% | +0.00% | -2.28% | -11.33% | -22.30% | -18.91% | -21.87% | -41.48% | -66.43% | -66.43% | -66.43% |
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From
To
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow
Revenue by geography
Revenue by segment
From
To
Revenue composition
From
To
By product
By geography
Financial Statements
Select metrics from the tables below to build your comparison.
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
Price Targets & DCF
Current price
9.63
DCF (Unlevered)
33.26
+245.3%
DCF (Levered)
12.81
+33.0%
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
Ratings Trend (MoM)
0% Bullish
| Rating | 2026-02 | Change |
|---|---|---|
| Strong Buy | 0 | 0 |
| Buy | 0 | 0 |
| Hold | 0 | 0 |
| Sell | 1 | 0 |
| Strong Sell | 0 | 0 |
Quality scores
Altman Z-Score
1.70
Distress
Piotroski F-Score
2 / 9
Weak
MOAT Score
5 / 10
Developing
Operational MOAT
✗ Below peers
-
Revenue growth Financial - Credit Services: +13.2%+6.9% Q1'26: +5.7% (vs Q1'25)
-
EPS growth Financial - Credit Services: +24.0%-197.3% Q1'26: +0.0% (vs Q1'25)
-
FCF margin FCF growth · Financial - Credit Services: +70.9%-54.5% Q1'26: -10.8% (vs Q1'25)
-
EBIT margin Financial - Credit Services: +28.7%-33.9% Q1'26: +0.0% (vs Q1'25)
-
ROIC Financial - Credit Services: +5.0%-6.4%
-
Share dilution Financial - Credit Services: +0.0%-0.7% ★ Q1'26: -3.4% (vs Q1'25)
-
Debt / EBITDA Net debt/EBITDA · Financial - Credit Services: 4.07×-7.61×
Valuation Multiples
From
To
Price Forecast (3Y)
From
To
Theoretical Return — If Invested Today
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
Consensus Estimates
| Metric |
Dec 2021 actual |
Dec 2022 actual |
Dec 2023 actual |
Dec 2024 actual |
Dec 2025 actual |
Dec 2026 1 Rev. Ana. 1 EPS Ana. |
Dec 2027 1 Rev. Ana. 1 EPS Ana. |
|---|---|---|---|---|---|---|---|
| Revenue |
372.77M
est: 377.28M (-1.2%)
|
364.34M
est: 369.00M (-1.3%)
|
346.64M
est: 249.59M (+38.9%)
|
319.24M
est: 317.00M (+0.7%)
|
341.21M
est: 305.44M (+11.7%)
|
300.74M
300.74M – 300.74M
-1.5% YoY
|
307.10M
307.10M – 307.10M
+2.1% YoY
|
| EBITDA |
260.99M
est: 206.83M (+26.2%)
|
204.79M
est: 202.29M (+1.2%)
|
117.75M
est: 88.79M (+32.6%)
|
159.34M
est: 112.77M (+41.3%)
|
-109.99M
est: 108.66M (-201.2%)
|
106.98M
106.98M – 106.98M
-1.5% YoY
|
109.25M
109.25M – 109.25M
+2.1% YoY
|
| EBIT |
250.59M
est: 194.60M (+28.8%)
|
191.15M
est: 190.33M (+0.4%)
|
106.61M
est: 81.47M (+30.9%)
|
148.99M
est: 103.48M (+44.0%)
|
-115.68M
est: 99.70M (-216.0%)
|
98.17M
98.17M – 98.17M
-1.5% YoY
|
100.25M
100.25M – 100.25M
+2.1% YoY
|
| Net Income |
225.09M
est: 223.50M (+0.7%)
|
171.46M
est: 174.00M (-1.5%)
|
88.71M
est: 72.94M (+21.6%)
|
131.24M
est: 121.27M (+8.2%)
|
-126.34M
est: 75.67M (-267.0%)
|
79.45M
79.45M – 79.45M
+5.0% YoY
|
82.90M
82.90M – 82.90M
+4.3% YoY
|
| SGA |
26.12M
est: 37.09M (-29.6%)
|
37.27M
est: 36.27M (+2.8%)
|
41.20M
est: 20.69M (+99.1%)
|
39.34M
est: 26.28M (+49.7%)
|
—
est: 25.32M (-100.0%)
|
24.93M
24.93M – 24.93M
-1.5% YoY
|
25.46M
25.46M – 25.46M
+2.1% YoY
|
| EPS |
1.88
est: 1.86 (+0.9%)
|
1.43
est: 1.45 (-1.4%)
|
0.74
est: 0.61 (+20.9%)
|
1.09
est: 1.02 (+7.1%)
|
-1.06
est: 0.63 (-267.0%)
|
0.67
0.67 – 0.67
+5.0% YoY
|
0.70
0.70 – 0.70
+4.3% YoY
|
Historical Ratings (3M)
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-21 | C- | 1/5 | 4/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-20 | C- | 1/5 | 4/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-19 | C- | 1/5 | 4/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-18 | C- | 1/5 | 4/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-17 | C- | 1/5 | 4/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-14 | C- | 1/5 | 3/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-13 | C- | 1/5 | 3/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-12 | C- | 1/5 | 3/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-11 | C- | 1/5 | 3/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-10 | C- | 1/5 | 3/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-07 | C- | 1/5 | 4/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-06 | C- | 1/5 | 4/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-05 | C- | 1/5 | 4/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-04 | C- | 1/5 | 4/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-03 | C- | 1/5 | 4/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-30 | C | 2/5 | 4/5 | 1/5 | 1/5 | 2/5 | 1/5 | 2/5 |
| 2026-04-29 | C | 2/5 | 4/5 | 1/5 | 1/5 | 2/5 | 1/5 | 2/5 |
| 2026-04-28 | C | 2/5 | 4/5 | 1/5 | 1/5 | 2/5 | 1/5 | 2/5 |
| 2026-04-27 | C | 2/5 | 4/5 | 1/5 | 1/5 | 2/5 | 1/5 | 2/5 |
| 2026-04-26 | C | 2/5 | 4/5 | 1/5 | 1/5 | 2/5 | 1/5 | 2/5 |
| 2026-04-23 | C+ | 2/5 | 4/5 | 1/5 | 1/5 | 2/5 | 1/5 | 3/5 |
| 2026-04-22 | C+ | 2/5 | 4/5 | 1/5 | 1/5 | 2/5 | 1/5 | 3/5 |
| 2026-04-21 | C+ | 2/5 | 4/5 | 1/5 | 1/5 | 2/5 | 1/5 | 3/5 |
| 2026-04-20 | C+ | 2/5 | 4/5 | 1/5 | 1/5 | 2/5 | 1/5 | 3/5 |
| 2026-04-19 | C+ | 2/5 | 4/5 | 1/5 | 1/5 | 2/5 | 1/5 | 3/5 |
| 2026-04-16 | C+ | 2/5 | 4/5 | 1/5 | 1/5 | 2/5 | 1/5 | 3/5 |
Owner Earnings
Owner's Earnings (history)
From
To
Owner alignment
Owner's Earnings TTM
-39.34M
OE per share TTM
-0.33
Owner's Yield
-3.44%
Maintenance CapEx ratio
—
Maint CapEx / Avg PPE
10.3%
Ownership Overview
Ownership breakdown
Ownership breakdown not available.
At a glance
Institutional holders
—
Total invested
—
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional ownership trend
Institutional history not available.
Top institutional holders
Top holders not available.
ETF Ownership
Top ETFs holding this stock
Held by 1 ETFs in our universe
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | Avantis Emerging Markets Equity UCITS ETF USD Acc AVEM.L | 0.00% | 4.0K | 0.35% |
Insider Activity
Insider Activity — Latest Quarter
No insider activity available.
Insider buys vs sells (history)
Insider history not available.
Recent insider transactions
No recent insider transactions.
Executive team
Top executives
EBIT / Employee
-292.9K
Shares Outstanding
116.60M
Executive compensation
Executive compensation (annual)
Executive compensation not available.
CEO compensation breakdown
No CEO compensation history available.
Proxy statements
Proxy statements (DEF 14A)
No proxy statements available for this company yet.
Recent SEC filings
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Turki Nasser Hamad Al-Qahtani | Head of Human Resources | 551.3K | male |
| Talal Shamroukh Alamani | Acting Head of Compliance & AML- CTF | 53.6K | — |
| Hussain Mohammed Slaem Al-Shakarah | Head of Governance & Board Secretary | 46.4K | male |
| Hussien AlJuhani | Head of Sales & Marketing | — | male |
| Khalid Abdulaziz AlJenaidel | CFO & CEO | — | male |
| Ahmed Ibrahim Farah Hamli | Head of Admin & Training | — | — |
| Mohamed Ahmed Balbeed | Operations Manager | — | male |
| Mohammad Saad Mohammed Al-Suhaim | Head of Cyber Security | — | — |
| Tariq Mubarak Saad Al Yami | Head of Credit | — | — |
| Louay Omar Bakraa | Head of SME | — | male |
| Hani Abdullah AlGhaziri | Head of Credit Card | — | male |
| Hassan Tameh Al Dokom | Head of Collection | — | — |
ESG Score History
No data available for this company.
Senate Trading Activity
No Senate trading activity found for this company.
House Trading Activity
No House trading activity found for this company.
Market share among peers
Peer comparison — filtered group (TTM)
Your opinion
Share your view on this stock and instantly see how the community has voted over the last 6 months.
Community Opinion for 4081.SR
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
