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Nayifat Finance CoSAU:4081 -0.21%57 FCF Yield % is 8.14 as of Jul. 17, 2026, which is 64% above its 10-year median of 4.95. 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 540 Credit Services companies, Nayifat Finance Co ranks better than 70.37% on this metric.
FCF Yield % is calculated as Free Cash Flow divided by Market Capitalization. It is a financial solvency ratio that compares the free cash flow a company is expected to earn against its market value.
Similar to Earnings Yield %, FCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high free cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
Nayifat Finance Co FCF Yield % Related Terms
Nayifat Finance Co FCF Yield % Historical Data
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The historical data trend for Nayifat Finance Co's FCF Yield % 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 Yield %, along with its competitors' market caps and FCF Yield % 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 Yield % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Nayifat Finance Co's FCF Yield % distribution charts can be found below:
* The bar in red indicates where Nayifat Finance Co's FCF Yield % 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 Yield % of 8.14 as of Jul. 17, 2026. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Nayifat Finance Co and its competitors. This is 64% above median its historical median of 4.95. According to the industry distribution chart, Nayifat Finance Co ranks #160 out of 540 companies in the Credit Services industry, placing it in the top 29.6%.
Is Nayifat Finance Co's FCF Yield % too high?
Nayifat Finance Co's current FCF Yield % of 8.14 is 64% above median its 10-year median of 4.95. Based on the distribution chart, Nayifat Finance Co ranks #160 out of 540 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 Yield % compare to V and MA?
According to the Credit Services industry distribution chart, Nayifat Finance Co ranks #160 out of 540 companies for FCF Yield %. This puts Nayifat Finance Co in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Yield % for a Credit Services company?
A good FCF Yield % depends on the Credit Services industry context. However, FCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high FCF Yield % mean?
A high FCF Yield % can signal that a stock is expensive relative to its fundamentals. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Nayifat Finance Co and its competitors. Nayifat Finance Co's current FCF Yield % is 8.14, which is 64% above median its own 10-year median of 4.95. 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 Yield % is 8.14, which is 64% above median its 10-year median of 4.95. 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 Yield % calculated?
FCF Yield % is calculated from a company's financial statements. For Nayifat Finance Co (SAU:4081), the current FCF Yield % is 8.14 as of Jul. 17, 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 Yield %: 8.14 (64% above median its 10-year median of 4.95)
GF Value™: ﷼12.14 vs. price of ﷼9.61 (20.8% below fair value)
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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