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4081.SR$9.88-0.40%
Fair $9.88+0.0%

4081.SR

Nayifat Finance Company

Financial Services / Credit ServicesSaudi

$9.88

-0.04 (-0.40%)

Fairly Valued+0.0%Fair Value $9.88Fund rank 27/100 · Data gapFallback financials|
SA 18/F
F-Score: 1/9
Declining RevenueLow Profitability

Book/ROE base 3Y

n/d

n/d CAGR · P/B n/d

Book/ROE base 5Y

n/d

n/d base · n/d expected

Precio de entrada

n/d

MOS 100% · confianza 20%

Book/ROE escenarios

weak_data · book/share n/d · quality 31.0/100

Data gap 27/100
Bear 5Yn/dn/d
Base 5Yn/dn/d
Bull 5Yn/dn/d
Return 0/100Downside 20/100Model quality 20/100Data QA 20/100

Ranking barato/determinista: CAGR esperado 5Y + downside bear + calidad del modelo + balance + capital allocation + data gate. No entra en buy-candidate si la data es débil o el CAGR 5Y no compensa.

Quality + valuation scorecard

SA Score

18/100

F

Piotroski

1/9

balance/quality

Valuation

50/100

+0.0% upside

5Y CAGR

+0.0%

50/100

Data QA

16/100

SEC 0%

Latest source: unknownPeriods: 4Warnings: 2unknown: 4
No SEC-backed annual rows; valuation uses fallback financial data. Insufficient audited annual history (<3 SEC-backed years); financial Book/ROE targets are disabled until manually verified. Revenue has declined for 3 consecutive years ROE is -10.2%, below the 5% threshold
Thesis & Journal · 4081.SRLocal privado en este navegador · Nayifat Finance Company
Plantilla tipo buy-side: tesis, bull/base/bear, catalizadores, riesgos, kill criteria y fecha de revisión. Esto no gasta GPT-5.5; luego lo usamos como contexto del memo.

Sin guardar todavía.

Market Cap

$1.2B

P/E

N/A

•

EV/EBITDA

N/A

•

ROE

-10.2%

↓

Gross Margin

N/A

•

Debt/Equity

0.67

↑
52-Week Range$10
$10$14

TradingView lightweight chart

4081.SR price, volumen y niveles de valoración

Último $9.880Periodo -65.0%
Fair value: $9.880

Price & Ratios

Absolute Values (Left Axis)

Ratios / Percentages (Right Axis)

Financial statement dashboard

Crecimiento, márgenes y provenance

2022–2025 · 3 años de histórico normalizado

Revenue CAGR

-6.5%

FCF CAGR

—

FCF margin

-14.6%

FCF / Net income

0.34x

Latest source

Provider fallback

Margin decomposition

Último año: revenue $298.2M · net income $-126.3M · FCF $-43.6M

2022-FY → 2025-FY

Gross margin

—— pts

Operating margin

—— pts

Net margin

-42.4%-89.4% pts

FCF margin

-14.6%-39.0% pts
MetricTTM
2025
2024
2023
2022
Income Statement
Revenue$298.2M$298.2M$319.2M$346.6M$364.3M
Net Income$-126.3M$-126.3M$131.2M$88.7M$171.5M
EPS——1.090.741.43
Net Margin-42.4%-42.4%41.1%25.6%47.1%
Balance Sheet
Debt/Equity0.670.670.330.450.43
Current Ratio27.8527.85———
Cash Flow
Free Cash Flow$-43.6M$-43.6M$170.8M$-40.8M$88.7M
Returns
ROE-10.2%-10.2%9.1%6.4%13.3%
Valuation
P/E——13.5820.4111.13
P/B0.930.931.231.321.48
Growth & Yield
Revenue Growth-6.6%-6.6%-7.9%-4.9%—
EPS Growth——47.3%-48.3%—
Dividend Yield8.4%8.4%———

Revenue, Net Income & Free Cash Flow ($B)

Margins (%)

Returns (%)

Leverage & Liquidity

Reverse DCF · market-implied EPS growthterminal P/E 15.0x · COE 10.0%
Reverse DCF requires positive EPS; loss-making or zero-EPS companies cannot produce a clean EPS hurdle.

Qué te dice: cuánto EPS CAGR está descontando el precio si sales al múltiplo terminal indicado. Si el growth observado queda por debajo, el mercado está pidiendo una ejecución muy fina.

Return attribution · 1Y approxreconcilia total -11.8%

Total return

-11.8%

Start / end P/E

n/dx → n/dx

EPS bridge

1.09 → n/d

Residual

-20.2%

EPS growthn/d
Multiple reratingn/d
Dividend+8.4%
Residual / FX / buybacks / cross-term-20.2%

EPS/multiple decomposition requires positive EPS at both endpoints; residual absorbs price move not explained by dividends.

Simple additive decomposition: total return = EPS growth contribution + P/E multiple contribution + dividend contribution + explicit residual. The residual captures cross-terms, buybacks/share-count effects, FX, special dividends, data noise and methodology mismatch so the bridge always reconciles.