Nayifat Finance Company
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from Nayifat Finance Company's yearly results (2022–2025), compared with Financial Services companies in Saudi Arabia. Tap ? on any ratio for what it means.
What stands out
- Steadiness Ratio: Sales grew in 0 of the last 3 years; profit grew in 1 of 3. Less steady than 96% of Financial Services companies in Saudi Arabia.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
0/3 · 1/3Sales grew in 0 of the last 3 years; profit grew in 1 of 3.
Less steady than 96% of Financial Services companies in Saudi Arabia.
Growth Efficiency Ratio
—Sales fell 18%
Sales fell 18% in 3 years, so extra profit per extra sales cannot be measured.
Asset Productivity Ratio
-18% / +12%In 3 years sales changed by -18% while total assets changed by +12%. Assets grew faster than sales.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
100%Of every SAR 100 the company owns, SAR 100 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
More tangible than 80% of Financial Services companies in Saudi Arabia.
Tangible Net Worth Ratio
99%Of every SAR 100 of net worth, SAR 99 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
More tangible than 83% of Financial Services companies in Saudi Arabia.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
Nayifat Finance Company made a loss over the last year. Nayifat Finance Company owes SAR 0.37 for every SAR 1 it owns. Nayifat Finance Company made a loss in the year to Dec 2025, after a profit the year before.
Compared with Financial Services companies in Saudi Arabia · latest annual results Dec 2025.
P/E ratio
LossNayifat Finance Company made a loss over the last year, so its P/E ratio is not meaningful.
P/B ratio
0.77The share price is 0.77 times Nayifat Finance Company's book value per share, lower than 57% of Financial Services companies in Saudi Arabia.
Market cap
SAR 1.0 BThe total market value of all of Nayifat Finance Company's shares at today's price (share price × number of shares), larger than 52% of Financial Services companies in Saudi Arabia. PosiCap size class: Mini Cap.
Net worth (book value)
SAR 1.3 BWhat Nayifat Finance Company would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
SAR 11.15Net worth divided by the number of shares. The share price of SAR 8.59 is 0.8 times this, which is the P/B above.
Return on equity (ROE)
-7.7%Nayifat Finance Company lost 7.7% of its shareholders' money over the last year, lower than 70% of Financial Services companies in Saudi Arabia.
Owes vs Owns
0.37×Nayifat Finance Company owes SAR 0.37 for every SAR 1 it owns (low), lower than 96% of Financial Services companies in Saudi Arabia. Banks and lenders usually show higher figures.
Dividend yield
NoneNayifat Finance Company does not currently pay a dividend.
Revenue growth
-7%Revenue fell 7% in the year to Dec 2025, and shrank 6% a year on average over 3 years.
Profit growth
LossNayifat Finance Company made a loss in the year to Dec 2025, after a profit the year before.
Profit margin
-42.4%Nayifat Finance Company lost SAR 42 for every SAR 100 of revenue.
Questions
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For Nayifat Finance Company: SAR 1.0 B ÷ SAR 1.3 B (30 Jun 2026) = 0.8.
What is Nayifat Finance Company's return on equity?
Nayifat Finance Company lost 7.7% of its shareholders' money over the last year, lower than 70% of Financial Services companies in Saudi Arabia.
How much does Nayifat Finance Company owe compared with what it owns?
Nayifat Finance Company owes SAR 0.37 for every SAR 1 it owns (low), lower than 96% of Financial Services companies in Saudi Arabia. Banks and lenders usually show higher figures.
Does Nayifat Finance Company pay a dividend?
No. Nayifat Finance Company does not currently pay a dividend.
Is Nayifat Finance Company's revenue growing?
Revenue fell 7% in the year to Dec 2025, and shrank 6% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.