Nayifat Finance Company (4081.SR)
ValueMarkers Composite Index
71% below intrinsic value ($9)
Nayifat Finance Company (4081.SR) — VMCI valuation read
Nayifat Finance Company sits at VMCI 44/100, with the Financial Services sector median at 50. That 6-point spread is the first thing to note on 4081.SR: it tells the reader the composite is unfavorable before any single ratio is examined, and the mid-cap tier sets the comparison set.
Form 4 disclosures on 4081.SR are blank for the trailing 30 days. With the insider channel offline, the EV/EBITDA delta, free-cash-flow trajectory, and the next earnings print do the talking.
**Investor frame.** The Value read on 4081.SR: 4081.SR trades at 18.0x earnings, 0% above the Financial Services median of 18.0x, with EV/EBITDA at 13.0x against 12.0x. The Quality read: ROIC of 8.0% trails the Financial Services median (10.0%) by 2.0pp. The Risk read: net debt to EBITDA of 1.7x is the rate-sensitivity line to watch, anchoring the bear scenario on a measurable balance-sheet metric.
4081.SR fell 3.7% over the trailing 7 days, with a -18.3% read on a 30-day basis.
Nayifat Finance Company, a non-banking finance company, provides Shariah-compliant financing solutions for individuals and corporates in the Kingdom of Saudi Arabia. The company offers lease finance, small and medium enterprise finance, consumer finance, and credit card finance products Nayifat Finance Company was incorporated in 2002 and is headquartered in Riyadh, the Kingdom of Saudi Arabia.
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