The company is a non-banking financial institution focused on serving the financing needs of individuals, performing financing activities such as consumer finance, credit card finance, and SME finance across three reportable segments. Key income is generated from Personal financing.
Cyborg Score Rationale
The company's Price-To-Earnings ratio (12x) is below the SA market (23x), suggesting relative valuation strength. However, 4081 underperformed the SA Consumer Finance industry which returned 13.3% over the past year, indicating mixed growth momentum. Stable operational metrics support the positioning.
Top Insights
Non-banking finance focused on three core segments: personal financing, SME financing, and Islamic credit cards with strong Shariah compliance positioning
Trading at 12x P/E vs. market 23x with $426M market cap and strong quarterly profitability (~39M SAR net income)
Underperformed sector returns (-13.3% vs. consumer finance industry) over past year despite broader market recovery
Stable operational profile with 540 employees and minimal stock volatility (3% weekly) despite challenging market conditions
Named Competitors
Consumer Finance — Real estate and consumer financing solutions
SME Financing — Finance solutions for small and medium enterprises
Credit Cards & Personal Loans — Traditional banking competitors offering credit products
Recent Developments
(Sep 2025) Stock price at 3.58 USD with market cap of 426M and 118M shares outstanding
(Jun 2025) Trailing 12-month revenue of 83.7M with strong EBITDA margin of 44.26%
(Recent) Stock trading at 14.74 SAR with neutral to bearish technical indicators
Open the full interactive Nayifat Finance Company report
Strategic research, analyst-debate audio, full Cyborg Score breakdown across 11 dimensions, and saved-company audio playlists.