Nayifat Finance Company Cash Flow 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
Net Income	-126.71	-126.34	131.24	88.71	171.46	225.09
Depreciation & Amortization	1.18	1.7	2.3	3.63	4.91	5.75
Other Amortization	3.99	3.99	8.06	7.51	8.73	4.65
Asset Writedown & Restructuring Costs	-	-	-	-	6.47	-0.45
Provision for Credit Losses	237.77	243.92	15.57	86.56	14.98	-11.36
Change in Other Net Operating Assets	62.13	-70.8	50.09	-185.62	-98.14	9.61
Other Operating Activities	-83.68	-92.88	-29.09	-40.96	-11.28	-0.58
Operating Cash Flow	95.58	-39.33	176.38	-39.9	97.34	232.71
Operating Cash Flow Growth	-12.75%	-	-	-	-58.17%	-45.06%
Capital Expenditures	-0.17	-0.25	-0.89	-0.33	-1.81	-3.19
Sale of Property, Plant & Equipment	-	-	3	-	-	-
Sale (Purchase) of Intangibles	-4.2	-4	-4.68	-0.58	-6.85	-18.77
Investing Cash Flow	-4.37	-4.25	-2.57	-0.91	-8.65	-21.96
Long-Term Debt Issued	-	723	170	345	272.26	347.49
Long-Term Debt Repaid	-	-361.53	-318.63	-287.54	-300.43	-416.99
Net Debt Issued (Repaid)	252.67	361.47	-148.63	57.46	-28.16	-69.5
Repurchase of Common Stock	-43.37	-43.37	-	-	-	-
Common Dividends Paid	-39.28	-99.28	-	-	-75	-152.22
Financing Cash Flow	170.01	218.81	-148.63	57.46	-103.16	-221.72
Net Cash Flow	261.23	175.23	25.18	16.65	-14.47	-10.97
Free Cash Flow	95.41	-39.58	175.49	-40.23	95.54	229.52
Free Cash Flow Growth	-12.76%	-	-	-	-58.38%	-44.88%
Free Cash Flow Margin	183.81%	-69.42%	57.35%	-15.30%	27.04%	59.33%
Free Cash Flow Per Share	0.81	-0.33	1.46	-0.34	0.80	1.91

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