Nayifat Finance - Public Comps and Valuation Multiples

Nayifat Finance Overview

About Nayifat Finance

Nayifat Finance Co is a non-banking financial institution focused on serving the financing needs of individuals in the Kingdom. It performs financing activities such as consumer finance, credit card finance, SME finance. The company has three reportable segments namely, personal financing, SME Financing and Islamic credit cards. Key income is generated from Personal financing.

Founded

2002

HQ

Employees

n/a

Website

nayifat.com

Sectors

Lending Solutions

Financials

LTM Revenue $79.4M

Last FY EBITDA n/a

EV

$557M

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Nayifat Finance Financials

As of September 2025, Nayifat Finance reported last 12-month revenue of $79.4M.

In the same period, Nayifat Finance achieved $23.9M in LTM net income.

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Nayifat Finance P&L

In the most recent fiscal year, Nayifat Finance reported revenue of $85.2M.

Nayifat Finance expects next 12-month revenue of XXX and NTM EBITDA of XXX

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	LTM	NTM	Last FY	FY 2025	FY 2026	FY 2027
Revenue	$79.4M	XXX	$85.2M	XXX	XXX	XXX
Gross Profit	n/a	XXX	n/a	XXX	XXX	XXX
Gross Margin	n/a	XXX	n/a	XXX	XXX	XXX
EBITDA	n/a	XXX	n/a	XXX	XXX	XXX
EBITDA Margin	n/a	XXX	n/a	XXX	XXX	XXX
EBIT	$38.9M	XXX	n/a	XXX	XXX	XXX
EBIT Margin	49%	XXX	n/a	XXX	XXX	XXX
Net Profit	$23.9M	XXX	$35.0M	XXX	XXX	XXX
Net Margin	30%	XXX	41%	XXX	XXX	XXX
Net Debt	XXX	XXX	$104M	XXX	XXX	XXX

Financial data powered by Morningstar, Inc.

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Financial performance metrics for Nayifat Finance including revenue, profitability, and margin analysis across different time periods. The company reported last twelve months revenue of $79.4M.
Financial Metric	Last Twelve Months (LTM)	Next Twelve Months (NTM)	Most Recent Fiscal Year	Current Fiscal Year (2025)	Next Fiscal Year (2026)	Two Years Forward (2027)
Total Revenue	$79.4M	Analyst estimates available to subscribers	$85.2M	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Gross Profit	n/a	Analyst estimates available to subscribers	n/a	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Gross Profit Margin	n/a	Analyst estimates available to subscribers	NaN% gross profit margin	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBITDA (Earnings Before Interest, Taxes, Depreciation, Amortization)	n/a	Analyst estimates available to subscribers	n/a	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBITDA Margin	n/a	Analyst estimates available to subscribers	NaN% EBITDA margin	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBIT (Earnings Before Interest and Taxes)	$38.9M	Analyst estimates available to subscribers	n/a	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBIT Margin	49.0% EBIT margin	Analyst estimates available to subscribers	n/a	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Net Income (Net Profit)	$23.9M	Analyst estimates available to subscribers	$35.0M	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Net Profit Margin	30.1% net profit margin	Analyst estimates available to subscribers	41.1% net profit margin	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Net Debt Position	Detailed debt information available to subscribers	Detailed debt information available to subscribers	$104M	Detailed debt information available to subscribers	Detailed debt information available to subscribers	Detailed debt information available to subscribers

Financial Performance Summary for Nayifat Finance

This financial data table provides comprehensive performance metrics for Nayifat Finance, a company based in Saudi Arabia. The metrics include revenue, profitability measures, and operational efficiency indicators across multiple time periods.

Recent Performance Highlights

Nayifat Finance generated $79.4M in revenue over the last twelve months.
Net income over the last twelve months reached $23.9M.

Fiscal Year Performance

In the most recent fiscal year, Nayifat Finance reported $85.2M in total revenue.
The company maintained a gross profit margin of NaN% in the most recent fiscal year.
EBITDA margin for the fiscal year was NaN%.
Net profit margin reached 41.1% in the most recent fiscal year.

This financial data is sourced from Morningstar, Inc. and represents the most recent available information for Nayifat Finance. Forward-looking estimates and detailed financial projections are available through our premium subscription service.

Nayifat Finance Stock Performance

Nayifat Finance has current market cap of SAR 1.6B (or $417M), and EV of SAR 2.1B (or $557M).

Market Cap Evolution

Nayifat Finance Stock Data

As of October 20, 2025, Nayifat Finance's stock price is SAR 13 (or $3).

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EV	Market Cap	Price 1D	Price 1M	Price 3M	Price 12M	EPS
$557M	$417M	XXX	XXX	XXX	XXX	$0.20

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Nayifat Finance Valuation Multiples

Nayifat Finance's trades at 6.5x EV/Revenue multiple, and n/a EV/EBITDA.

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Nayifat Finance Financial Valuation Multiples

As of October 20, 2025, Nayifat Finance has market cap of $417M and EV of $557M.

Equity research analysts estimate Nayifat Finance's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX

Nayifat Finance has a P/E ratio of 17.5x.

	LTM	NTM	Last FY	FY 2025	FY 2026	FY 2027
Market cap (current)	$417M	XXX	$417M	XXX	XXX	XXX
EV (current)	$557M	XXX	$557M	XXX	XXX	XXX
EV/Revenue	7.0x	XXX	6.5x	XXX	XXX	XXX
EV/EBITDA	n/a	XXX	n/a	XXX	XXX	XXX
EV/EBIT	14.3x	XXX	n/a	XXX	XXX	XXX
EV/Gross Profit	n/a	XXX	n/a	XXX	XXX	XXX
P/E	17.5x	XXX	11.9x	XXX	XXX	XXX
EV/FCF	n/a	XXX	12.2x	XXX	XXX	XXX

Valuation data powered by FactSet, Inc. and Morningstar, Inc.

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Nayifat Finance Margins & Growth Rates

Nayifat Finance's last 12 month revenue growth is -3%

Nayifat Finance's revenue per employee in the last FY averaged n/a, while opex per employee averaged n/a for the same period.

Nayifat Finance's rule of 40 is unknown (metric relevant for SaaS companies only, counted as combined revenue growth rate and EBITDA margin).

Nayifat Finance's rule of X is unknown (created by Bessemer, rule of X is another metric relevant for SaaS companies only, ~1.5x stronger vs. the traditional Rule of 40, counted as revenue growth rate multiplied by 2.5 plus EBITDA margin).

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Nayifat Finance Operational Valuation Multiples

	LTM	NTM	Last FY	FY 2025	FY 2026	FY 2027
Revenue Growth	-3%	XXX	-5%	XXX	XXX	XXX
EBITDA Margin	n/a	XXX	n/a	XXX	XXX	XXX
EBITDA Growth	n/a	XXX	n/a	XXX	XXX	XXX
Rule of 40	n/a	XXX	n/a	XXX	XXX	XXX
Bessemer Rule of X	XXX	XXX	n/a	XXX	XXX	XXX
Revenue per Employee	XXX	XXX	n/a	XXX	XXX	XXX
Opex per Employee	XXX	XXX	n/a	XXX	XXX	XXX
S&M Expenses to Revenue	XXX	XXX	0%	XXX	XXX	XXX
G&A Expenses to Revenue	XXX	XXX	n/a	XXX	XXX	XXX
R&D Expenses to Revenue	XXX	XXX	n/a	XXX	XXX	XXX
Opex to Revenue	XXX	XXX	48%	XXX	XXX	XXX

Valuation data powered by FactSet, Inc. and Morningstar, Inc.

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