-15.1% below fair valueWould need to rise ~17.8% to reach fair value.
Scores are computed automatically from the real financial statements (Value from fair value; the rest from growth, profitability, balance sheet and dividends). A decision aid, not investment advice.
Revenue, net income and margin.
| Metric | FY'22 | FY'23 | FY'24 | FY'25 |
|---|---|---|---|---|
| Revenue | 364.34M | 346.64M | 319.24M | 298.24M |
| Net Income | 171.46M | 88.71M | 131.24M | -126.34M |
| Net Margin | 47.1% | 25.6% | 41.1% | -42.4% |
| Operating Cash Flow | 97.34M | -39.90M | 176.38M | -39.33M |
| OCF Margin | 26.7% | -11.5% | 55.2% | -13.2% |
| Capital Expenditure | -8.65M | -914.0K | -5.57M | -4.25M |
| Free Cash Flow | 88.69M | -40.82M | 170.81M | -43.58M |
| FCF Margin | 24.3% | -11.8% | 53.5% | -14.6% |
| FCF Conversion | 51.7% | -46.0% | 130.2% | -34.5% |
| EPS (Diluted) | 1.43/sh | 0.74/sh | 1.09/sh | -1.06/sh |
| Dividend / Share | 0.63/sh | 0.00/sh | 0.00/sh | 0.83/sh |
At this rate, dividends alone return your capital in ~12.0 years.
Dividend / share & historical yield (SAR).
Per-share dividends by quarter, full-year total, and yield on the year's average price · SAR
| Year | Q1 | Q2 | Q3 | Q4 | Full year | Yield (avg) |
|---|---|---|---|---|---|---|
| 2026 | — | — | — | — | — | — |
| 2025 | 0.50 | — | 0.33 | — | 0.83 | 6.3% |
| 2024 | — | — | — | — | — | — |
| 2023 | — | — | — | — | — | — |
| 2022 | — | 0.63 | — | — | 0.63 | 2.8% |
Fair value = median of the applicable methods (DDM، Graham، Earnings Power).
DCF only is anchored on FY2025 — the latest year with positive cash flow that supports a value. The other methods (DDM, Graham, RIM, EPV) use current / normalized figures.
Tune these per company in the Hajras Odoo backend; values recompute automatically.
What if you'd invested in Nayifat Finance Company regularly?
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AAOIFI-style financial screens on the latest annual figures.
Source: Maktab Al-Maqased (Sh. Al-Osaimi) — Annual Report FY2024
Measurable on 1 of 4 AAOIFI ratios; 3 not in this dataset.
Screening estimate, not a fatwa — we never pass a ratio without showing it. Verify with a qualified Shariah board.
Zakat due on a shareholding at today's price.
Long-term base uses cash & equivalents only (receivables and inventory are not in our data), so it understates zakat.
Zakat is due only after one full lunar year of ownership (hawl).
Estimate only, not a ZATCA filing — zakat on shares depends on intent (trading vs long-term). Consult a specialist.