Nayifat Finance Company Income Statement

Financials in millions SAR. Fiscal year is January - December.

Millions SAR. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Interest and Dividend Income	348.18	362.56	395.26	392.04	390.86	414.47
Total Interest Expense	35.59	41	45.69	23.69	15.36	40.22
Net Interest Income	312.58	321.56	349.57	368.36	375.5	374.25
Other Revenue	-	-	-	-	-	1.57
Revenue Before Loan Losses	312.58	321.56	349.57	368.36	375.5	375.83
Provision for Loan Losses	43.35	15.57	86.56	14.98	-11.36	-1.47
Revenue	269.23	305.99	263	353.37	386.86	377.3
Revenue Growth (YoY)	-6.09%	16.34%	-25.57%	-8.66%	2.54%	2.80%
Salaries & Employee Benefits	93.82	91.18	87.05	88.48	87.19	98.45
Cost of Services Provided	54.17	53.15	55.28	56.09	36.4	36.52
Other Operating Expenses	5.24	5.24	4.63	4.31	4.22	2.14
Total Operating Expenses	160.28	159.93	158.09	162.51	138.21	149.08
Operating Income	108.95	146.07	104.91	190.86	248.65	228.22
EBT Excluding Unusual Items	111.79	148.99	106.61	191.15	250.14	228.22
Pretax Income	111.79	148.99	106.61	191.15	250.59	225.76
Income Tax Expense	15.5	17.75	17.9	19.7	25.5	24.3
Net Income	96.29	131.24	88.71	171.46	225.09	201.47
Net Income to Common	96.29	131.24	88.71	171.46	225.09	201.47
Net Income Growth	-12.69%	47.93%	-48.26%	-23.83%	11.73%	-7.93%
Shares Outstanding (Basic)	120	120	120	120	120	118
Shares Outstanding (Diluted)	120	120	120	120	120	118
Shares Change (YoY)	-0.10%	-	-	-	1.29%	-1.25%
EPS (Basic)	0.80	1.09	0.74	1.43	1.88	1.70
EPS (Diluted)	0.80	1.09	0.74	1.43	1.88	1.70
EPS Growth	-12.61%	47.93%	-48.26%	-23.83%	10.30%	-6.76%
Free Cash Flow	44.16	175.49	-40.23	95.54	229.52	416.43
Free Cash Flow Per Share	0.37	1.46	-0.34	0.80	1.91	3.52
Dividend Per Share	0.330	0.500	-	-	1.250	1.058
Dividend Growth	-34.00%	-	-	-	18.11%	-
Operating Margin	40.47%	47.73%	39.89%	54.01%	64.27%	60.49%
Profit Margin	35.76%	42.89%	33.73%	48.52%	58.18%	53.40%
Free Cash Flow Margin	16.40%	57.35%	-15.30%	27.04%	59.33%	110.37%
Effective Tax Rate	13.87%	11.91%	16.79%	10.30%	10.18%	10.76%
Revenue as Reported	-	-	-	-	-	416.91

Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.