4081.SR

Sinker

Nayifat Finance Company · Financial Services · Saudi Arabia · $264M cap · $199K/day traded

SAR 8.50 +0.1% · close 5 Nov · scored 7 Nov

Sinker: Weak business, rich price and weak momentum. Nothing here to keep it afloat.

27
Score
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Quality
40
Value
41
Momentum
35

As of 7 Nov 2026, the MoatMap Score for Nayifat Finance Company (4081.SR) is 27/100, ranked against 25,000+ stocks in 38 markets (Quality 40, Value 41, Momentum 35, each scored against its sector).

Does the score work? Each tenth of the ranking, tracked monthly. See the record →

P/E (TTM)
—
peers 13.6x
ROE
-7.7%
peers 7.6%
D/E
0.5x
peers 0.0x
Dividend %
—
trailing yield

ABOUT NAYIFAT FINANCE COMPANY

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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.

FINANCIAL SUMMARY (SAR)

Year2022202320242025CAGRTTM
Revenue364.3M346.6M319.2M298.2M-6.5%69.5M
EPS (SAR)1.430.741.09-1.06-12.7%-0.90
Shares120.0M120.0M120.0M116.6M-2.8%116.6M
Debt553.9M624.8M475.9M836.6M14.7%714.1M
Equity1.3B1.4B1.4B1.2B-1.3%—
Op CF97.3M-39.9M176.4M-39.3M34.6%239.4M
Inv CF-8.7M-0.9M-2.6M-4.3M——
Fin CF-103.2M57.5M-148.6M218.8M——
PRICE (1Y) · SAR-14.6%
8.48.89.29.69.927 Sep18 Oct5 Nov
SMA 50SMA 200
Price checkStill fallingExperimental

Made a new 52-week low 9 trading days ago, 37% below its 52-week high. The fall has not stopped yet.

SwingsVery calm

Calmer than 93% of stocks we rank over the past year (volatility 19% a year).

How this is worked out

The MoatMap Score weighs the business, its price and its trend. The price check reads only the chart: the price side of the Momentum score, in words.

The rules: Still falling is a new 52-week low in the last two weeks, at least 25% below the high. Finding a floor is no new low since. Turning up is 20 or more trading days without a new low, at least 10% off it, and back above a rising 50-day average. In an uptrend is above the 200-day average and within 15% of the high.

In 2,112 US drawdowns since 2001, buying while the price was still falling was followed by a further 20% drop 42% of the time. Waiting for a turn (the Turning up rule above) cut that to 33%, at about 7% higher prices and with no better returns. Part of that cut is simply not buying: 13% of falls never turned, and waiting kept those out. Among turns that were bought, 38% still fell another 20%, and 33% of turns were followed by a new low within six months. The benefit was largest in crashes such as 2008 and 2020.

What it measures: how much the price moved day to day over the past year, scaled to a yearly figure (annualised volatility) and ranked against every stock we cover. Very calm under 20% a year, Calm 20 to 30%, Average 30 to 40%, Bumpy 40 to 55%, Very bumpy above that.

What we found: across about 13,500 stocks in 34 markets (2002 to 2025), past swings were a good guide to the next year's, and bumpier stocks fell further. How much further changed too much between eras to put a number on it.

Calm is not safe: a calm stock can still slide steadily.

Rules fixed before any data was fetched. Describes the chart, not a recommendation.

Close
SAR 8.50
RSI (14)
23.5
52-Week Range-36.6% from high
Low SAR 8.21High SAR 13.40

SCORE BREAKDOWN

Quality
40
ROIC (ROA)
-5.1%*5.6
ROE
-7.7%6.3
GP/Assets
3.2%31.2
Op. Margin
52.6%77.5
FCF/Assets
10.6%87.6
Piotroski
28.6
Int. Cover
—N/A
D/E Ratio
0.53x46.3
Current Ratio
27.48x91.5
Value
41
P/E (TTM)
—N/A
EV/EBITDA
—N/A
P/FCF
4.3x74.1
P/B
0.8x76.7
P/S
14.7x6.0
Div Yield
—N/A
Momentum
35
52W High %
63%18.6
RS 6M
-8%27.1
SMA 50/200
0.94x21.3
EPS Rev 4W
—N/A
EPS Rev 12W
—N/A
EPS Improve
—N/A
Q Growth
137%89.5

FUNDAMENTALS

Market Cap
$264M
P/E (Forward)
—
Gross Margin
100.0%

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of 4081.SR are excluded.

TickerCompanyMkt CapScore
4081.SRNayifat Finance Company(you)$264M27
4082.SRMorabaha Marina Financing Company$137M12
1183.SRSHL Finance Company$311M23
4083.SRUnited International Holding Company$385M26
1182.SRAmlak International Finance Company$215M37
8040.SRMutakamela Insurance Company$140M23
8012.SRAljazira Takaful Taawuni Company$152M22
8240.SRChubb Arabia Cooperative Insurance Company$149M19
8120.SRGulf Union Alahlia Cooperative Insurance Company$151M36
8070.SRArabian Shield Cooperative Insurance Company$232M46

Peer medians: ROE 7.6% · P/E 13.6x · Gross margin 12.1%

Company Deep Dive

A 10,000-word report: the business and its segments, what management promised on earnings calls and whether it delivered, the competition, and how things could turn out.

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Nayifat Finance Company (4081.SR): Stock Score Summary

Nayifat Finance Company (4081.SR) has a MoatMap Score of 27/100 based on Quality (40/100), Value (41/100), and Momentum (35/100) factor scores.

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.

Key Financial Metrics

PriceSAR 8.50
Market Cap$264M
Price/Book0.80
Return on Equity-7.7%
Debt/Equity0.53x
Gross Margin100.0%
Operating Margin52.6%
Revenue Growth25.9%
Free Cash Flow$61M

Nayifat Finance Company operates in the Credit Services industry, part of the Financial Services sector (Saudi Arabia).

Frequently Asked Questions

What is Nayifat Finance Company’s (4081.SR) MoatMap Score?
The MoatMap Score for Nayifat Finance Company (4081.SR) is 27/100. It is a composite of Quality (40), Value (41), and Momentum (35), each scored against its sector. The composite is then ranked across MoatMap’s universe of 25,000+ stocks.
Does Nayifat Finance Company have an economic moat?
Nayifat Finance Company (4081.SR) has a Quality factor score of 40/100. Quality blends several measures of profitability and financial strength, led by gross profit to assets, return on invested capital and free cash flow to assets. A high score describes the financial record a durable advantage tends to leave; it does not prove a moat.
What sector is Nayifat Finance Company in?
Nayifat Finance Company (4081.SR) operates in the Financial Services sector, specifically the Credit Services industry (Saudi Arabia).