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	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest and Dividend Income	353.28	362.56	395.26	392.04	390.86	414.47
Total Interest Expense	36.71	41	45.69	23.69	15.36	40.22
Net Interest Income	316.58	321.56	349.57	368.36	375.5	374.25
Other Revenue	-	-	-	-	-	1.57
Revenue Before Loan Losses	316.58	321.56	349.57	368.36	375.5	375.83
Provision for Loan Losses	27.25	15.57	86.56	14.98	-11.36	-1.47
Revenue	289.32	305.99	263	353.37	386.86	377.3
Revenue Growth (YoY)	9.80%	16.34%	-25.57%	-8.66%	2.54%	2.80%
Salaries & Employee Benefits	94.04	91.18	87.05	88.48	87.19	98.45
Cost of Services Provided	52.57	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	160.22	159.93	158.09	162.51	138.21	149.08
Operating Income	129.11	146.07	104.91	190.86	248.65	228.22
EBT Excluding Unusual Items	132.16	148.99	106.61	191.15	250.14	228.22
Pretax Income	132.16	148.99	106.61	191.15	250.59	225.76
Income Tax Expense	17.3	17.75	17.9	19.7	25.5	24.3
Net Income	114.86	131.24	88.71	171.46	225.09	201.47
Net Income to Common	114.86	131.24	88.71	171.46	225.09	201.47
Net Income Growth	26.91%	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)	-0.07%	-	-	-	1.29%	-1.25%
EPS (Basic)	0.96	1.09	0.74	1.43	1.88	1.70
EPS (Diluted)	0.96	1.09	0.74	1.43	1.88	1.70
EPS Growth	27.00%	47.93%	-48.26%	-23.83%	10.30%	-6.76%
Free Cash Flow	82.79	175.49	-40.23	95.54	229.52	416.43
Free Cash Flow Per Share	0.69	1.46	-0.34	0.80	1.91	3.52
Dividend Per Share	0.330	-	-	-	1.250	1.058
Dividend Growth	-	-	-	-	18.11%	-
Operating Margin	44.62%	47.73%	39.89%	54.01%	64.27%	60.49%
Profit Margin	39.70%	42.89%	33.73%	48.52%	58.18%	53.40%
Free Cash Flow Margin	28.62%	57.35%	-15.30%	27.04%	59.33%	110.37%
Effective Tax Rate	13.09%	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.