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* The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
The historical rank and industry rank for Nayifat Finance Co's PEG Ratio or its related term are showing as below:
During the past 9 years, Nayifat Finance Co's highest PEG Ratio was 2.60. The lowest was 1.20. And the median was 1.87.
SAU:4081's PEG Ratio is not ranked *
in the Credit Services industry.
Industry Median: 0.91 * Ranked among companies with meaningful PEG Ratio only.
Peter Lynch thinks a company with a P/E ratio equal to its growth rate is fairly valued.
Nayifat Finance Co (SAU:4081) PEG Ratio Explanation
To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the P/E ratio divided by the growth ratio. He thinks a company with a P/E ratio equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a P/E of 20, instead of a company growing 10% a year with a P/E of 10.
Nayifat Finance Co PEG Ratio Related Terms
Nayifat Finance Co PEG Ratio Historical Data
* Premium members only.
The historical data trend for Nayifat Finance Co's PEG Ratio 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 PEG Ratio, along with its competitors' market caps and PEG Ratio 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 PEG Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Nayifat Finance Co's PEG Ratio distribution charts can be found below:
* The bar in red indicates where Nayifat Finance Co's PEG Ratio 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.
* Note: The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
Nayifat Finance Co (SAU:4081) has a PEG Ratio of 0.00 as of Jul. 17, 2026. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Nayifat Finance Co and its competitors. Over the past decade, Nayifat Finance Co's PEG Ratio has ranged from 1.20 to 2.60. According to the industry distribution chart, Nayifat Finance Co ranks #999999 out of 233 companies in the Credit Services industry.
Is Nayifat Finance Co's PEG Ratio too high?
Nayifat Finance Co's current PEG Ratio is 0.00. Over the past 10 years, this metric has ranged from a low of 1.20 to a high of 2.60. Based on the distribution chart, Nayifat Finance Co ranks #999999 out of 233 companies in the Credit Services industry, which is in the bottom quartile relative to peers. 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 PEG Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Nayifat Finance Co ranks #999999 out of 233 companies for PEG Ratio. This places Nayifat Finance Co in the lower half of its industry. The industry median PEG Ratio is 0.91. Historically, Nayifat Finance Co's own PEG Ratio has ranged from 1.20 to 2.60 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good PEG Ratio for a Credit Services company?
The median PEG Ratio among Credit Services companies is 0.91, based on 233 companies in the industry. Companies in the top quartile (top 25%) have a PEG Ratio significantly above this median, while those in the bottom quartile fall well below. However, PEG Ratio 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 PEG Ratio mean?
A high PEG Ratio can signal that a stock is expensive relative to its fundamentals. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Nayifat Finance Co and its competitors. For the Credit Services industry, the median PEG Ratio is 0.91 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Nayifat Finance Co's current PEG Ratio is 0.00. 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 PEG Ratio is 0.00. 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 PEG Ratio calculated?
PEG Ratio is calculated from a company's financial statements. For Nayifat Finance Co (SAU:4081), the current PEG Ratio is 0.00 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:
PEG Ratio: 0.00
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
Get the complete analysis for SAU:4081
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