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Nayifat Finance CoSAU:4081 -0.21%57 FCF Margin % is 175.40% as of Mar. 2026, which is 228% above its 10-year median of 53.51. GuruFocus rates SAU:4081 with a GF Score™ of 57/100 and a GF Value™ of ﷼12.14 (Modestly Undervalued). The stock has 5 warning signs investors should review. Among 531 Credit Services companies, Nayifat Finance Co ranks better than 70.62% on this metric.
The historical rank and industry rank for Nayifat Finance Co's FCF Margin % or its related term are showing as below:
SAU:4081'
s FCF Margin % Range Over the Past 10 Years
Min: -18.34 Med: 53.51 Max: 109.73
Current: 31.58
During the past 9 years, the highest FCF Margin % of Nayifat Finance Co was 109.73%. The lowest was -18.34%. And the median was 53.51%.
SAU:4081's FCF Margin % is ranked better than 70.62% of 531
companies
in the Credit Services industry
Industry Median: 0.24
vs SAU:4081: 31.58
Nayifat Finance Co FCF Margin % Related Terms
Nayifat Finance Co FCF Margin % Historical Data
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The historical data trend for Nayifat Finance Co's FCF Margin % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Credit Services subindustry, Nayifat Finance Co's FCF Margin %, along with its competitors' market caps and FCF Margin % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Nayifat Finance Co FCF Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Nayifat Finance Co's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Nayifat Finance Co's FCF Margin % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Nayifat Finance Co (SAU:4081) has a FCF Margin % of 175.40% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Nayifat Finance Co and its competitors. This is 228% above median its historical median of 53.51. According to the industry distribution chart, Nayifat Finance Co ranks #156 out of 531 companies in the Credit Services industry, placing it in the top 29.4%.
Is Nayifat Finance Co's FCF Margin % too high?
Nayifat Finance Co's current FCF Margin % of 175.40% is 228% above median its 10-year median of 53.51. The Credit Services industry median FCF Margin % is 0.24. Nayifat Finance Co's value of 175.40% is 72983.3% above this industry median. Based on the distribution chart, Nayifat Finance Co ranks #156 out of 531 companies in the Credit Services industry, which is above the industry midpoint. Overall, Nayifat Finance Co has a GF Score™ of 57/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Nayifat Finance Co's FCF Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Nayifat Finance Co ranks #156 out of 531 companies for FCF Margin %. This puts Nayifat Finance Co in the upper half of its industry. The industry median FCF Margin % is 0.24. Nayifat Finance Co's value of 175.40% is 72983.3% above this benchmark. While the company's 10-year median is 53.51 vs. the industry median of 0.24, Nayifat Finance Co has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Credit Services company?
The median FCF Margin % among Credit Services companies is 0.24, based on 531 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Nayifat Finance Co's current FCF Margin % of 175.40% is 72983.3% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Nayifat Finance Co and its competitors. For the Credit Services industry, the median FCF Margin % is 0.24 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Nayifat Finance Co's current FCF Margin % is 175.40%, which is 228% above median its own 10-year median of 53.51. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Nayifat Finance Co stock overvalued right now?
Based on GuruFocus' analysis, Nayifat Finance Co (SAU:4081) is currently considered Modestly Undervalued. The stock's GF Value™ is ﷼12.14, compared to a current price of ﷼9.61 — trading 20.8% below its estimated fair value. The current FCF Margin % is 175.40%, which is 228% above median its 10-year median of 53.51 and 72983.3% above the Credit Services industry median of 0.24. Nayifat Finance Co's overall GF Score™ is 57/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Nayifat Finance Co (SAU:4081), the current FCF Margin % is 175.40% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
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:
FCF Margin %: 175.40% (228% above median its 10-year median of 53.51)
GF Value™: ﷼12.14 vs. price of ﷼9.61 (20.8% below fair value)
Industry Position: 72983.3% above the Credit Services median (#156 of 531)
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 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
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