Nayifat Finance Co (4081) Fair Value & Analysis
Financial Services · SA · Market cap 1.1B SAR
Risks
Fair value as of: Aug 13, 2026
From 3 valuation models · updated 13 days ago
Share price +7.7% over the past month.
Below-average quality, and trading another 11% above our fair value.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
What matters now
- 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.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 13, 2026.
How to read this chart
57‑month range 9.30 SAR – 26.34 SAR · fair‑value band 6.99 SAR – 11.16 SAR · the 10.17 SAR price screens above the 9.13 SAR fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Aug 13, 2026.
Analysis
Nayifat Finance Co (4081) currently trades at 10.17 SAR, while our model-based Fair Value estimate is 9.13 SAR, implying the stock looks roughly 10.2% overvalued today. The Quality Score stands at 42/100 (below-average quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: low).
Trailing-twelve-month revenue stands at 51.9M SAR. Revenue declined 8.0% year over year. It earns a return on equity of -9.3%. Net debt stands at 671M SAR. Fundamentals as of Aug 13, 2026
Our scenario range runs from 6.99 SAR (bear case) to 11.16 SAR (bull case); at 10.17 SAR, the current price sits within that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 26% below its 52-week high and 10% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -47% fair-value upside, at -10%, 4081 screens cheaper than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 3 models by family
Widest divergence: Dividend Discount (8.51 SAR) versus Asset-Based (7.12 SAR). Highest evidence: Gordon GGM (70).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 13, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 39 · Market factors (momentum, volatility) 45
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.
About the company
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.
Full company description
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.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
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.
of which total revenue +4.0 pp · buybacks/dilution −5.4 pp
Absolute contributions in percentage points per year; they sum to the EPS growth rate. Start and end points are 3-year averages (details on hover).
4081 screens 10% overvalued. Compare with Visa Inc →
Peer Group
Credit Services · 337 stocks
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.
Valuation Multiples vs Credit Services median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Credit Services stocks, each showing price versus our Fair Value estimate (as of Aug 13, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Visa Inc V | $359.42 | $198.27 | -45% |
| Mastercard Incorporated MA | $573.72 | $221.87 | -61% |
| American Express Company AXP | $344.08 | $206.40 | -40% |
| Capital One Financial Corporation COF | $222.44 | $117.51 | -47% |
| Bajaj Finance Limited BAJFINANCE | ₹1,093 | ₹397.70 | -64% |
| PayPal Holdings PYPL | $60.43 | $77.12 | +28% |
| Shriram Finance Limited SHRIRAMFIN | ₹1,134 | ₹553.82 | -51% |
| Synchrony Financial, SYF | $79.41 | $137.28 | +73% |
| SoFi Technologies, Inc SOFI | $17.94 | $5.02 | -72% |
| Cholamandalam Investment and Finance Company CHOLAFIN | ₹1,866 | ₹796.47 | -57% |
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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