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Nayifat Finance Co (4081) fair value: what the stock is really worth

As of Sep 24, 2026: fair value of Nayifat Finance Co SAR 7.91, price SAR 9.85, upside -19.7%, quality 42 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? No
  2. Good quality? No
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Financial Services · SA · ISIN SA15DGH1VOH4

NF Thin data Sep 24, 2026

Nayifat Finance Co

4081 · SR

Weak valuationQuality is weak on top of the rich price.

!Fair value 7.91 SAR · Overvalued (−20%)
!Quality 42/100
!Weak Growth (revenue 5y −1.7 %/yr)
!Loss-making · -37.0% net margin (FY2025)
!Low debt · negative free cash flow
!Trails peers (4/11)
!Narrow moat 35/100
!Evidence only low, so the estimate is less certain
!Weak on valuation: 7 out of 100
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

26.34 SAR 9.30 SAR Fair Value 7.91 SAR Dec 2021 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.

How to read this chart

58‑month range 9.30 SAR – 26.34 SAR · fair‑value band 6.24 SAR – 9.40 SAR · the 9.85 SAR price screens above the 7.91 SAR fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 2026.

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Company profile

Nayifat Finance Company provides personal financing solutions in the Kingdom of Saudi Arabia. The company operates through Personal Financing, SME Financing, and Islamic Credit Cards segments. It offers lease finance, consumer finance, small and medium enterprise finance, debt crowdfunding, and credit cards finance products.

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Nayifat Finance Company provides personal financing solutions in the Kingdom of Saudi Arabia. The company operates through Personal Financing, SME Financing, and Islamic Credit Cards segments. It offers lease finance, consumer finance, small and medium enterprise finance, debt crowdfunding, and credit cards finance products. The company serves retail customers, small and medium enterprises, and high-net-worth individuals. Nayifat Finance Company was founded in 2002 and is based in Riyadh, the Kingdom of Saudi Arabia.

Stock analysis

Nayifat Finance Co (4081) currently trades at 9.85 SAR, while our model-based Fair Value estimate is 7.91 SAR, implying the stock looks roughly 24.5% overvalued today.

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Valuation

Bull case: the Dividend Discount group reads highest at a median of 7.42 SAR per share, and 0 of the 3 models we run sit above the 9.85 SAR price.

Bear case: the Asset-Based group reads lowest at 7.12 SAR, and 3 of the 3 models stay below the price. Evidence for this calculation is low.

Scenario range: 6.24 SAR (bear) to 9.40 SAR (bull), the price of 9.85 SAR sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 42/100 (below-average quality), in the Financial Services sector.

Weak Growth: Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.

Nayifat Finance Co reported revenue of 341M SAR in FY2025 versus 373M SAR in FY2021, a compound −2.2%/yr. Reported net income was −126M SAR in FY2025.

Key figures

Market cap 1.2B SAR (≈ $313M) · P/S ratio 21.0 · EPS (TTM) −1.06 SAR · Dividend yield 9.1% · Net margin −37.0% · Return on equity −9.3% · Return on assets (EBIT) 6.1% · Operating margin 41.1%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 32 out of 100 (medium confidence).

What moves the price

The share trades about 28% below its 52-week high and 6% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −32% fair-value upside, at −20%, 4081 screens cheaper than that median.

Fair Value models

Bear 6.24 SAR Fair Value 7.91 SAR Bull 9.40 SAR
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Highest evidence
Gordon GGM 5.93 SAR 7.42 SAR 8.72 SAR 69
DDM Multi-Stage 5.93 SAR 7.52 SAR 9.07 SAR 67
NCAV (Graham) 5.32 SAR 7.12 SAR 10.63 SAR 54
All 3 models by family
Dividend Discount
Gordon GGM 5.93 SAR 7.42 SAR 8.72 SAR 69
DDM Multi-Stage 5.93 SAR 7.52 SAR 9.07 SAR 67
Asset-Based
NCAV (Graham) 5.32 SAR 7.12 SAR 10.63 SAR 54

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Quality Score breakdown

Overall quality 42/100

Of which business quality 39 · Market factors (momentum, volatility) 44

Profitability 5
Margins and returns on capital today
Quality Growth 18
Are margins and returns improving?
Cashflow 0
Earnings quality: real cash, not paper profit
Fin. Strength 66
Balance sheet, leverage, solvency risk
Investment 94
Disciplined investing over empire-building
Low Volatility 97
Calm price path (market factor)
Momentum 30
Price trend over the last 3–12 months (market factor)
52W Momentum 8
Distance to the 52-week high (market factor)
Net Issuance 86
Share count: buybacks or dilution?

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Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 7/100
Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Revenue growth 1 year
+6.9%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−2.2%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−1.7%
Start year 2020 (pandemic). Over 10 years: +4.7% a year
Revenue growth 13 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−4.2%
Profit margin (trend) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.
60.8% (2020) → −33.9% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2025 is a loss year, no rate is defined from a loss
not computed

4081 screens 25% overvalued. Compare with Visa Inc →

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Credit Services · 331 stocks

Beats the industry median on 4/10 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 42 · Below median
Fair Value upside −20% · Below median
Profitability
Return on assets −6% · Bottom 25%
Net margin (TTM) −37% · Bottom 25%
Operating margin (TTM) 41% · Above median
Growth and dividend
Revenue growth −8% · Bottom 25%
Dividend yield (TTM) 9.1% · Top 25%
Balance sheet
Debt / equity 0.30× · Below median

Valuation Multiplesvs Credit Services median · lower = cheaper

P/B 0.25× · Cheapest 25%
P/S (TTM) 6.02× · Priciest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)7 · sector 49
FUTURE (revenue growth)0 · sector 36
PAST (return on equity)0 · sector 33
HEALTH (low debt)85 · sector 59
DIVIDEND (yield)100 · sector 68

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Credit Services stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value
Visa Inc V $367.98 $221.29 −40%
Mastercard Incorporated MA $566.08 $359.54 −36%
American Express Company AXP $305.66 $208.54 −32%
Capital One Financial Corporation COF $196.61 $125.94 −36%
Bajaj Finance Limited BAJFINANCE ₹1,043 ₹1,101 +6%
PayPal Holdings PYPL $52.89 $99.46 +88%
Affirm Holdings AFRM $68.09 $16.24 −76%
Shriram Finance Limited SHRIRAMFIN ₹1,011 ₹1,374 +36%
Synchrony Financial, SYF $70.67 $137.28 +94%
SoFi Technologies, Inc SOFI $16.55 $5.57 −66%

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Nayifat Finance Co · Fair Value
7.91 SAR −25%Fair Value
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Cite: Fair Value Calculator (2026). "Nayifat Finance Co Fair Value". https://www.fairvalue-calculator.com/stock/4081

Frequently asked questions

Is Nayifat Finance Co (4081) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of 7.91 SAR versus a price of 9.85 SAR, about −20% upside (overvalued).
What is the fair value of 4081?
Our model-based fair value for Nayifat Finance Co is 7.91 SAR (as of Sep 24, 2026), built from audited fundamentals. The current price: 9.85 SAR.
What is the quality score of 4081?
Nayifat Finance Co has a Quality Score of 42/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Nayifat Finance Co (4081)?
Our model-based price target is the fair value of 7.91 SAR (as of Sep 24, 2026) from 3 valuation models. Cautious scenario 6.24 SAR, optimistic scenario 9.40 SAR. It is a calculation from audited fundamentals, not an analyst target.
What is the Nayifat Finance Co stock forecast for 2026?
Our models put fair value at 7.91 SAR, about −20% upside versus a price of 9.85 SAR (overvalued). Cautious scenario 6.24 SAR, optimistic scenario 9.40 SAR. The calculation is refreshed regularly with new filings.
Does Nayifat Finance Co pay a dividend?
Nayifat Finance Co currently shows a dividend yield of about 9.09% relative to its recent price (as of Sep 24, 2026).
What is the intrinsic value of Nayifat Finance Co (4081)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Nayifat Finance Co it is 7.91 SAR per share (as of Sep 24, 2026), against a price of 9.85 SAR. It is the blended result of 3 valuation models (cash flow, earnings, asset, dividend).
Is Nayifat Finance Co stock overvalued or undervalued in 2026?
As of Sep 24, 2026, 4081 trades above its calculated fair value: price 9.85 SAR, fair value 7.91 SAR, a gap of about −20% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of 4081?
No. The price is what the market pays today (9.85 SAR); the fair value is what the company's own numbers justify (7.91 SAR). For Nayifat Finance Co the two are 1.94 SAR per share apart. That gap is exactly why we show both numbers side by side.
How much is Nayifat Finance Co worth?
The market values Nayifat Finance Co at about 1.2B SAR (market capitalisation, as of Sep 24, 2026). Per share that is 9.85 SAR; our models calculate a fair value of 7.91 SAR per share.
What do the bullish and bearish scenarios say about 4081?
Our models span a range for Nayifat Finance Co: cautious scenario 6.24 SAR, base 7.91 SAR, optimistic 9.40 SAR per share (as of Sep 24, 2026, price 9.85 SAR). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Nayifat Finance Co (4081)?
Balance-sheet figures for Nayifat Finance Co (as of Sep 24, 2026): return on equity −9.3%, debt of 0.30 per unit of equity. They feed the Quality Score of 42/100, which measures business quality independently of the share price.
How far is 4081 from its 52-week high?
Nayifat Finance Co trades at 9.85 SAR, about 28% below its 52-week high of 13.66 SAR and 6% above the low of 9.30 SAR (as of Sep 24, 2026). Distance from the high says nothing about value: that is what the fair value of 7.91 SAR is for.
Which stocks are comparable to Nayifat Finance Co?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Nayifat Finance Co stock attractive at the current price?
The data as of Sep 24, 2026: price 9.85 SAR, calculated fair value 7.91 SAR (−20%), Quality Score 42/100, from 3 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of 4081 calculated?
We run Nayifat Finance Co through 3 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of 7.91 SAR, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.0 % above its aggregate fair value. Nayifat Finance Co itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Nayifat Finance Co (4081)?
The closing price on Sep 24, 2026 was 9.85 SAR. Our model-based fair value is 7.91 SAR, about −20% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Nayifat Finance Co right now?
The price sits above even our optimistic bull case (9.40 SAR). The favourable scenario is already priced in. Weak quality (42/100) and above fair value at the same time, the margin of safety is missing on both counts. Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of Nayifat Finance Co (4081) come from?
Earnings per share at Nayifat Finance Co grew −5.5 % a year from 2014 to 2025. Broken into its drivers: revenue per share −1.4 %, EBIT margin +2.4 %, tax rate +4.9 %, residual (interest, one-offs) −10.7 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.

Key figures of Nayifat Finance Co

How large is the market capitalisation of Nayifat Finance Co (4081)?
The market capitalisation of Nayifat Finance Co is 1.2B SAR (≈ $313M). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Nayifat Finance Co (4081)?
The price-to-sales ratio of Nayifat Finance Co is 21.0 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Nayifat Finance Co (4081)?
Earnings per share at Nayifat Finance Co are −1.06 SAR. Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Nayifat Finance Co (4081)?
The dividend yield of Nayifat Finance Co is 9.1%. Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Nayifat Finance Co (4081)?
The net margin of Nayifat Finance Co is −37.0% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Nayifat Finance Co (4081)?
The return on equity (ROE) of Nayifat Finance Co is −9.3% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Nayifat Finance Co (4081)?
On an EBIT basis the return on assets of Nayifat Finance Co is 6.1% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Nayifat Finance Co (4081)?
The operating margin of Nayifat Finance Co is 41.1% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Nayifat Finance Co (4081)?
Revenue at Nayifat Finance Co is growing −8.0% versus a year earlier (3y avg −2.2%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Nayifat Finance Co (4081)?
Earnings per share at Nayifat Finance Co are growing +1.3% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Nayifat Finance Co (4081) generate?
The free cash flow of Nayifat Finance Co is −34.3M SAR (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Nayifat Finance Co (4081) carry?
The net debt of Nayifat Finance Co is 671M SAR (fiscal year 2025). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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