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	Jun '26 Jun 30, 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	-126.34	-126.34	131.24	88.71	171.46	225.09
Depreciation & Amortization	1.7	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	243.92	243.92	15.57	86.56	14.98	-11.36
Change in Other Net Operating Assets	-70.8	-70.8	50.09	-185.62	-98.14	9.61
Other Operating Activities	178.39	-92.88	-29.09	-40.96	-11.28	-0.58
Operating Cash Flow	231.95	-39.33	176.38	-39.9	97.34	232.71
Operating Cash Flow Growth	175.48%	-	-	-	-58.17%	-45.06%
Capital Expenditures	-0.25	-0.25	-0.89	-0.33	-1.81	-3.19
Sale of Property, Plant & Equipment	-	-	3	-	-	-
Sale (Purchase) of Intangibles	-4	-4	-4.68	-0.58	-6.85	-18.77
Investing Cash Flow	-3.66	-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)	361.47	361.47	-148.63	57.46	-28.16	-69.5
Repurchase of Common Stock	-43.37	-43.37	-	-	-	-
Common Dividends Paid	-99.28	-99.28	-	-	-75	-152.22
Financing Cash Flow	92.09	218.81	-148.63	57.46	-103.16	-221.72
Net Cash Flow	320.38	175.23	25.18	16.65	-14.47	-10.97
Free Cash Flow	231.7	-39.58	175.49	-40.23	95.54	229.52
Free Cash Flow Growth	178.35%	-	-	-	-58.38%	-44.88%
Free Cash Flow Margin	352.10%	-69.42%	57.35%	-15.30%	27.04%	59.33%
Free Cash Flow Per Share	1.98	-0.33	1.46	-0.34	0.80	1.91