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 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest and Dividend Income	332.67	339.47	362.56	395.26	392.04	390.86
Total Interest Expense	42.99	38.53	41	45.69	23.69	15.36
Net Interest Income	289.68	300.93	321.56	349.57	368.36	375.5
Revenue Before Loan Losses	289.68	300.93	321.56	349.57	368.36	375.5
Provision for Loan Losses	237.77	243.92	15.57	86.56	14.98	-11.36
Revenue	51.91	57.01	305.99	263	353.37	386.86
Revenue Growth (YoY)	-83.16%	-81.37%	16.34%	-25.57%	-8.66%	2.54%
Salaries & Employee Benefits	95.27	95.46	91.18	87.05	88.48	87.19
Cost of Services Provided	73.15	73.28	53.15	55.28	56.09	36.4
Other Operating Expenses	4.43	4.43	5.24	4.63	4.31	4.22
Total Operating Expenses	178.02	178.86	159.93	158.09	162.51	138.21
Operating Income	-126.11	-121.85	146.07	104.91	190.86	248.65
EBT Excluding Unusual Items	-122.53	-120.11	148.99	106.61	191.15	250.14
Pretax Income	-122.53	-120.11	148.99	106.61	191.15	250.59
Income Tax Expense	4.18	6.23	17.75	17.9	19.7	25.5
Net Income	-126.71	-126.34	131.24	88.71	171.46	225.09
Net Income to Common	-126.71	-126.34	131.24	88.71	171.46	225.09
Net Income Growth	-	-	47.93%	-48.26%	-23.83%	11.73%
Shares Outstanding (Basic)	118	119	120	120	120	120
Shares Outstanding (Diluted)	118	119	120	120	120	120
Shares Change (YoY)	-1.70%	-0.99%	-	-	-	1.29%
EPS (Basic)	-1.07	-1.06	1.09	0.74	1.43	1.88
EPS (Diluted)	-1.07	-1.06	1.09	0.74	1.43	1.88
EPS Growth	-	-	47.93%	-48.26%	-23.83%	10.30%
Free Cash Flow	95.41	-39.58	175.49	-40.23	95.54	229.52
Free Cash Flow Per Share	0.81	-0.33	1.46	-0.34	0.80	1.91
Dividend Per Share	-	-	0.500	-	-	1.250
Dividend Growth	-	-	-	-	-	18.11%
Operating Margin	-242.96%	-213.73%	47.73%	39.89%	54.01%	64.27%
Profit Margin	-244.11%	-221.60%	42.89%	33.73%	48.52%	58.18%
Free Cash Flow Margin	183.81%	-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.