Nayifat Finance Co (SAU:4081) Cash Conversion Cycle

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

SAU:4081 Nayifat Finance Co SAU:4081
57 GF Score
Price ﷼9.61
GF Value ﷼12.14
Valuation Modestly Undervalued
! 5 Warning Signs
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What is Nayifat Finance Co Cash Conversion Cycle?

Cash Conversion Cycle (CCC) does not apply to banks and insurance companies.

SAU:4081
57GF Score
Nayifat Finance Co SAU:4081
Cash Conversion Cycle is just one metric. See GF Score™, valuation, warning signs, and more.
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Is Nayifat Finance Co (SAU:4081) Overvalued in 2026?

Based on GuruFocus' analysis, Nayifat Finance Co stock appears to be undervalued. The current stock price of ﷼9.61 is trading 20.8% below its estimated GF Value™ of ﷼12.14. GuruFocus considers Nayifat Finance Co to be Modestly Undervalued.

Key valuation signals for SAU:4081:

  • Cash Conversion Cycle:
  • GF Value™: ﷼12.14 vs. price of ﷼9.61 (20.8% below fair value)
  • GF Score™: 57/100 with 5 warning signs

No single metric tells the full story. See the SAU:4081 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Nayifat Finance Co Business Description

Address 7633, Al Ulaya - Al Woroud District, Unit No. 1555, Riyadh, SAU, 12253-2105
Nayifat Finance Co is a non-banking finance company focused on consumer and SME lending. It provides lease finance, consumer finance, small and medium enterprise finance, debt crowdfunding, and credit card finance in the Kingdom of Saudi Arabia. The company has three reportable segments, namely, Personal financing, SME Financing and Islamic credit cards. The majority of revenue is generated from Personal financing, which includes providing personal financing to the retail segment.
57GF Score

Get the complete analysis for SAU:4081

Cash Conversion Cycle is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

﷼9.61
Price
﷼12.14
GF Value