Nayifat Finance Company (TADAWUL:4081)

Nayifat Finance Company Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Mar 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest and Dividend Income	363.95	362.56	395.26	392.04	390.86	414.47
Total Interest Expense	38.19	41	45.69	23.69	15.36	40.22
Net Interest Income	325.76	321.56	349.57	368.36	375.5	374.25
Other Revenue	-	-	-	-	-	1.57
Revenue Before Loan Losses	325.76	321.56	349.57	368.36	375.5	375.83
Provision for Loan Losses	17.45	15.57	86.56	14.98	-11.36	-1.47
Revenue	308.31	305.99	263	353.37	386.86	377.3
Revenue Growth (YoY)	23.53%	16.34%	-25.57%	-8.66%	2.54%	2.80%
Salaries & Employee Benefits	89.49	91.18	87.05	88.48	87.19	98.45
Cost of Services Provided	51.14	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	155.42	159.93	158.09	162.51	138.21	149.08
Operating Income	152.89	146.07	104.91	190.86	248.65	228.22
EBT Excluding Unusual Items	155.86	148.99	106.61	191.15	250.14	228.22
Pretax Income	155.86	148.99	106.61	191.15	250.59	225.76
Income Tax Expense	18.25	17.75	17.9	19.7	25.5	24.3
Net Income	137.61	131.24	88.71	171.46	225.09	201.47
Net Income to Common	137.61	131.24	88.71	171.46	225.09	201.47
Net Income Growth	87.38%	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)	-	-	-	-	1.29%	-1.25%
EPS (Basic)	1.15	1.09	0.74	1.43	1.88	1.70
EPS (Diluted)	1.15	1.09	0.74	1.43	1.88	1.70
EPS Growth	87.38%	47.93%	-48.26%	-23.83%	10.30%	-6.76%
Free Cash Flow	108.91	175.49	-40.23	95.54	229.52	416.43
Free Cash Flow Per Share	0.91	1.46	-0.34	0.80	1.91	3.52
Dividend Per Share	-	-	-	-	1.250	1.058
Dividend Growth	-	-	-	-	18.11%	-
Operating Margin	49.59%	47.73%	39.89%	54.01%	64.27%	60.49%
Profit Margin	44.63%	42.89%	33.73%	48.52%	58.18%	53.40%
Free Cash Flow Margin	35.33%	57.35%	-15.30%	27.04%	59.33%	110.37%
Effective Tax Rate	11.71%	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.