Nayifat Finance Company (TADAWUL:4081)

Nayifat Finance Company Income Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest and Dividend Income	339.47	362.56	395.26	392.04	390.86
Total Interest Expense	38.53	41	45.69	23.69	15.36
Net Interest Income	300.93	321.56	349.57	368.36	375.5
Revenue Before Loan Losses	300.93	321.56	349.57	368.36	375.5
Provision for Loan Losses	243.92	15.57	86.56	14.98	-11.36
Revenue	57.01	305.99	263	353.37	386.86
Revenue Growth (YoY)	-81.37%	16.34%	-25.57%	-8.66%	2.54%
Salaries & Employee Benefits	95.46	91.18	87.05	88.48	87.19
Cost of Services Provided	73.28	53.15	55.28	56.09	36.4
Other Operating Expenses	4.43	5.24	4.63	4.31	4.22
Total Operating Expenses	178.86	159.93	158.09	162.51	138.21
Operating Income	-121.85	146.07	104.91	190.86	248.65
EBT Excluding Unusual Items	-120.11	148.99	106.61	191.15	250.14
Pretax Income	-120.11	148.99	106.61	191.15	250.59
Income Tax Expense	6.23	17.75	17.9	19.7	25.5
Net Income	-126.34	131.24	88.71	171.46	225.09
Net Income to Common	-126.34	131.24	88.71	171.46	225.09
Net Income Growth	-	47.93%	-48.26%	-23.83%	11.73%
Shares Outstanding (Basic)	119	120	120	120	120
Shares Outstanding (Diluted)	119	120	120	120	120
Shares Change (YoY)	-0.99%	-	-	-	1.29%
EPS (Basic)	-1.06	1.09	0.74	1.43	1.88
EPS (Diluted)	-1.06	1.09	0.74	1.43	1.88
EPS Growth	-	47.93%	-48.26%	-23.83%	10.30%
Free Cash Flow	-39.58	175.49	-40.23	95.54	229.52
Free Cash Flow Per Share	-0.33	1.46	-0.34	0.80	1.91
Dividend Per Share	-	0.500	-	-	1.250
Dividend Growth	-	-	-	-	18.11%
Operating Margin	-213.73%	47.73%	39.89%	54.01%	64.27%
Profit Margin	-221.60%	42.89%	33.73%	48.52%	58.18%
Free Cash Flow Margin	-69.42%	57.35%	-15.30%	27.04%	59.33%
Effective Tax Rate	-	11.91%	16.79%	10.30%	10.18%

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