Nayifat Finance Co. intrinsic value and dividend analysis using DCF, P/B, PEG and PSG models. Includes dividend yield, payout ratio, and dividend sustainability assessment. Sector: Financial Services. Listed on Saudi Exchange Tadawul.
Nayifat Finance Company provides personal and small-business financing in Saudi Arabia, operating through Personal Financing, SME Financing, and Islamic Credit Card segments. Its offerings include lease and consumer finance, SME finance, debt crowdfunding, and Islamic credit card products, serving retail customers, small and medium enterprises, and high-net-worth individuals. The company was founded in 2002 and is based in Riyadh.
TASIV estimates this company's intrinsic value using a Price-to-Book (P/B) model. As of TASIV's most recent data refresh, the estimated intrinsic value is SAR 5.26 compared to a market price of SAR 10.02 (Trading significantly above DCF model value). This is an analytical estimate, not investment advice.
Revenue declined by about 14% over the three-year period, while net income moved far more sharply, swinging from a profit of roughly SAR 89 million to a loss of about SAR 126 million by the final year. Operating cash flow was volatile across the period, rising substantially in the middle year before falling back, ending only marginally above its starting level. Overall, the company's historical financial performance shows a modest revenue decline alongside a much larger swing into a net loss.
Dividend per share declined every year over the 4-year recorded period, from SAR 0.75 to SAR 0.33, a decrease of about 56%. Payments have been made on an Annual basis throughout this period. Overall, dividend per share has declined consistently across the recorded period.
Based on TASIV's Price-to-Book (P/B) model, the estimated intrinsic value of Nayifat Finance Co. is approximately SAR 5.26, compared to a current market price of SAR 10.02. This is an analytical estimate based on the company's financial data, not investment advice or a recommendation to buy or sell.
According to TASIV's model, Nayifat Finance Co. is currently "Trading significantly above DCF model value".
Nayifat Finance Co.'s dividend yield is approximately 3.29%, based on TASIV's most recent verified data.
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