4081.SR
SinkerNayifat 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.
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 →
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)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM |
|---|---|---|---|---|---|---|
| Revenue | 364.3M | 346.6M | 319.2M | 298.2M | -6.5% | 69.5M |
| EPS (SAR) | 1.43 | 0.74 | 1.09 | -1.06 | -12.7% | -0.90 |
| Shares | 120.0M | 120.0M | 120.0M | 116.6M | -2.8% | 116.6M |
| Debt | 553.9M | 624.8M | 475.9M | 836.6M | 14.7% | 714.1M |
| Equity | 1.3B | 1.4B | 1.4B | 1.2B | -1.3% | — |
| Op CF | 97.3M | -39.9M | 176.4M | -39.3M | 34.6% | 239.4M |
| Inv CF | -8.7M | -0.9M | -2.6M | -4.3M | — | — |
| Fin CF | -103.2M | 57.5M | -148.6M | 218.8M | — | — |
Made a new 52-week low 9 trading days ago, 37% below its 52-week high. The fall has not stopped yet.
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.
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of 4081.SR are excluded.
| Ticker | Company | Mkt Cap | Score |
|---|---|---|---|
| 4081.SR | Nayifat Finance Company(you) | $264M | 27 |
| 4082.SR | Morabaha Marina Financing Company | $137M | 12 |
| 1183.SR | SHL Finance Company | $311M | 23 |
| 4083.SR | United International Holding Company | $385M | 26 |
| 1182.SR | Amlak International Finance Company | $215M | 37 |
| 8040.SR | Mutakamela Insurance Company | $140M | 23 |
| 8012.SR | Aljazira Takaful Taawuni Company | $152M | 22 |
| 8240.SR | Chubb Arabia Cooperative Insurance Company | $149M | 19 |
| 8120.SR | Gulf Union Alahlia Cooperative Insurance Company | $151M | 36 |
| 8070.SR | Arabian Shield Cooperative Insurance Company | $232M | 46 |
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.