NAYIFAT

Nayifat Finance Company

4081StocksTadawulDiversified Financials

Financials

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Annual (SAR)

1-5

	2025Dec 31, 2025	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022	2021Dec 31, 2021
Operations
Operating Cash Flow	-39.33M	176.38M	-39.90M	97.34M	232.71M
Free Cash Flow	-39.58M	175.49M	-40.23M	95.54M	229.52M
Capital Expenditures	-0.25M	-0.89M	-0.33M	-1.81M	-3.19M
Investing & Financing
Investing Cash Flow	-4.25M	-2.57M	-0.91M	-8.65M	-21.96M
Financing Cash Flow	218.81M	-148.63M	57.46M	-103.16M	-221.72M
Dividends Paid	-99.28M	—	—	-75.00M	-152.22M
Share Repurchase	-43.37M	—	—	—	—
Operating Activities
Operating Cash Flow	-39.33M	176.38M	-39.90M	97.34M	232.71M
Net Income	-126.34M	131.24M	88.71M	171.46M	225.09M
Change in Other Net Operating Assets	-70.80M	50.09M	-185.62M	-98.14M	9.61M
Change in Working Capital	-70.80M	50.09M	-185.62M	-98.14M	9.61M
Other Operating Activities	-92.88M	-29.09M	-40.96M	-11.28M	-0.58M
Provision for Credit Losses	243.92M	15.57M	86.56M	14.98M	-11.36M
Depreciation & Amortization	1.70M	2.30M	3.63M	4.91M	5.75M
Other Amortization	3.99M	8.06M	7.51M	8.73M	4.65M
Cash Interest Paid	—	—	—	—	—
Asset Writedown & Restructuring Costs	—	—	—	6.47M	-0.45M
Investing Activities
Investing Cash Flow	-4.25M	-2.57M	-0.91M	-8.65M	-21.96M
Capital Expenditures	-0.25M	-0.89M	-0.33M	-1.81M	-3.19M
Investment in Securities	—	—	—	—	—
Sale (Purchase) of Intangibles	-4.00M	-4.68M	-0.58M	-6.85M	-18.77M
Sale of Property, Plant & Equipment	—	3.00M	—	—	—
Financing Activities
Financing Cash Flow	218.81M	-148.63M	57.46M	-103.16M	-221.72M
Common Dividends Paid	-99.28M	—	—	-75.00M	-152.22M
Repurchase of Common Stock	-43.37M	—	—	—	—
Long-Term Debt Issued	723.00M	170.00M	345.00M	272.26M	347.49M
Long-Term Debt Repaid	-361.53M	-318.63M	-287.54M	-300.43M	-416.99M
Net Debt Issued (Repaid)	361.47M	-148.63M	57.46M	-28.16M	-69.50M
Free Cash Flow & Returns
Free Cash Flow	-39.58M	175.49M	-40.23M	95.54M	229.52M
Free Cash Flow Growth	—	—	—	-58.4%	-44.9%
Free Cash Flow Margin	-69.4%	+57.4%	-15.3%	+27.0%	+59.3%
Free Cash Flow Per Share	-0.33	1.46	-0.34	0.80	1.91
Operating Cash Flow Growth	—	—	—	-58.2%	-45.1%
Net Cash Flow	175.23M	25.18M	16.65M	-14.47M	-10.97M

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Annual (SAR)

1-5

	2025Dec 31, 2025	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022	2021Dec 31, 2021
Operations
Operating Cash Flow	-39.33M	176.38M	-39.90M	97.34M	232.71M
Free Cash Flow	-39.58M	175.49M	-40.23M	95.54M	229.52M
Capital Expenditures	-0.25M	-0.89M	-0.33M	-1.81M	-3.19M
Investing & Financing
Investing Cash Flow	-4.25M	-2.57M	-0.91M	-8.65M	-21.96M
Financing Cash Flow	218.81M	-148.63M	57.46M	-103.16M	-221.72M
Dividends Paid	-99.28M	—	—	-75.00M	-152.22M
Share Repurchase	-43.37M	—	—	—	—
Operating Activities
Operating Cash Flow	-39.33M	176.38M	-39.90M	97.34M	232.71M
Net Income	-126.34M	131.24M	88.71M	171.46M	225.09M
Change in Other Net Operating Assets	-70.80M	50.09M	-185.62M	-98.14M	9.61M
Change in Working Capital	-70.80M	50.09M	-185.62M	-98.14M	9.61M
Other Operating Activities	-92.88M	-29.09M	-40.96M	-11.28M	-0.58M
Provision for Credit Losses	243.92M	15.57M	86.56M	14.98M	-11.36M
Depreciation & Amortization	1.70M	2.30M	3.63M	4.91M	5.75M
Other Amortization	3.99M	8.06M	7.51M	8.73M	4.65M
Cash Interest Paid	—	—	—	—	—
Asset Writedown & Restructuring Costs	—	—	—	6.47M	-0.45M
Investing Activities
Investing Cash Flow	-4.25M	-2.57M	-0.91M	-8.65M	-21.96M
Capital Expenditures	-0.25M	-0.89M	-0.33M	-1.81M	-3.19M
Investment in Securities	—	—	—	—	—
Sale (Purchase) of Intangibles	-4.00M	-4.68M	-0.58M	-6.85M	-18.77M
Sale of Property, Plant & Equipment	—	3.00M	—	—	—
Financing Activities
Financing Cash Flow	218.81M	-148.63M	57.46M	-103.16M	-221.72M
Common Dividends Paid	-99.28M	—	—	-75.00M	-152.22M
Repurchase of Common Stock	-43.37M	—	—	—	—
Long-Term Debt Issued	723.00M	170.00M	345.00M	272.26M	347.49M
Long-Term Debt Repaid	-361.53M	-318.63M	-287.54M	-300.43M	-416.99M
Net Debt Issued (Repaid)	361.47M	-148.63M	57.46M	-28.16M	-69.50M
Free Cash Flow & Returns
Free Cash Flow	-39.58M	175.49M	-40.23M	95.54M	229.52M
Free Cash Flow Growth	—	—	—	-58.4%	-44.9%
Free Cash Flow Margin	-69.4%	+57.4%	-15.3%	+27.0%	+59.3%
Free Cash Flow Per Share	-0.33	1.46	-0.34	0.80	1.91
Operating Cash Flow Growth	—	—	—	-58.2%	-45.1%
Net Cash Flow	175.23M	25.18M	16.65M	-14.47M	-10.97M