Nayifat Finance Co

SAU:4081Financial Servicestasi

SAR 9.15−1.51%At closeAt close · Mon 19 Oct · ≈ AED 8.96 · Market cap $298.56M

Ratio	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025	Current · undated	YoY
Gross margin	99.9%	100.0%	100.0%	100.0%	100.0%	85.4%	—	—
Operating margin	60.8%	67.2%	52.5%	30.8%	46.7%	−33.9%	−33.9%	+0.0 pts
Net margin	54.2%	60.4%	47.1%	25.6%	41.1%	−37.0%	−37.0%	+0.0 pts
EBITDA margin	64.0%	70.0%	56.2%	34.0%	49.9%	−32.2%	—	—
Return on equity	18.0%	18.9%	13.3%	6.4%	9.1%	−10.2%	−10.2%	+0.0 pts
Return on assets	10.8%	12.1%	8.8%	4.3%	6.4%	−5.8%	−5.8%	+0.0 pts
Return on capital employed	12.1%	13.6%	9.9%	5.2%	7.2%	−6.2%	—	—
Debt / equity	0.6×	0.5×	0.4×	0.5×	0.3×	0.7×	0.7×	+0.0%
Debt / assets	35.6%	31.8%	28.6%	30.1%	23.0%	38.7%	—	—
Interest coverage	1,163.7×	8,352.9×	0.0×	0.0×	0.0×	−26.1×	—	—
Current ratio	2,168.1×	9.5×	6.7×	12.8×	35.7×	7.1×	7.1×	+0.0%
Quick ratio	2,168.1×	9.5×	6.7×	12.8×	35.7×	7.1×	—	—
Cash ratio	2,065.4×	9.4×	4.7×	5.7×	22.5×	0.6×	0.6×	+0.0%
Asset turnover	0.2×	0.2×	0.2×	0.2×	0.2×	0.2×	—	—
Receivables turnover	87.8×	236.4×	107.1×	13.5×	71.4×	0.2×	—	—
Dividend payout	48.9%	67.6%	43.7%	0.0%	0.0%	−78.6%	—	—

Margins, returns, leverage and liquidityUpdated 31 Dec 2025 ·

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Current snapshot ratios have no reporting date and are shown separately from fiscal periods.