Nayifat Finance Co (SAU:4081) ROC (Joel Greenblatt) %: % (As of Mar. 2026)

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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.
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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
62 GF Score
Price ﷼10.04
GF Value ﷼11.55
Valuation Modestly Undervalued
! 5 Warning Signs
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What is Nayifat Finance Co ROC (Joel Greenblatt) %?

Nayifat Finance Co SAU:4081 -0.79% 62 ROC (Joel Greenblatt) % is % as of Mar. 2026. GuruFocus rates SAU:4081 with a GF Score™ of 62/100 and a GF Value™ of ﷼11.55 (Modestly Undervalued). The stock has 5 warning signs investors should review. Among 417 Credit Services companies, Nayifat Finance Co ranks worse than 239807.91% on this metric.

ROC (Joel Greenblatt) % does not apply to banks and insurance companies.

SAU:4081
62GF Score
Nayifat Finance Co SAU:4081
ROC (Joel Greenblatt) % is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a ROC (Joel Greenblatt) % of % mean?
Nayifat Finance Co (SAU:4081) has a ROC (Joel Greenblatt) % of % as of Mar. 2026. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Nayifat Finance Co and its competitors. According to the industry distribution chart, Nayifat Finance Co ranks #999999 out of 417 companies in the Credit Services industry.
Is Nayifat Finance Co's ROC (Joel Greenblatt) % too high?
Nayifat Finance Co's current ROC (Joel Greenblatt) % is %. Based on the distribution chart, Nayifat Finance Co ranks #999999 out of 417 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Nayifat Finance Co has a GF Score™ of 62/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Nayifat Finance Co's ROC (Joel Greenblatt) % compare to V and MA?
According to the Credit Services industry distribution chart, Nayifat Finance Co ranks #999999 out of 417 companies for ROC (Joel Greenblatt) %. This places Nayifat Finance Co in the lower half of its industry. The industry median ROC (Joel Greenblatt) % is 39.25. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC (Joel Greenblatt) % for a Credit Services company?
The median ROC (Joel Greenblatt) % among Credit Services companies is 39.25, based on 417 companies in the industry. Companies in the top quartile (top 25%) have a ROC (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, ROC (Joel Greenblatt) % 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 ROC (Joel Greenblatt) % mean?
A high ROC (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Nayifat Finance Co and its competitors. For the Credit Services industry, the median ROC (Joel Greenblatt) % is 39.25 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Nayifat Finance Co's current ROC (Joel Greenblatt) % is %. 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 ﷼11.55, compared to a current price of ﷼10.04 — trading 13.1% below its estimated fair value. The current ROC (Joel Greenblatt) % is %. Nayifat Finance Co's overall GF Score™ is 62/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROC (Joel Greenblatt) % calculated?
ROC (Joel Greenblatt) % is calculated from a company's financial statements. For Nayifat Finance Co (SAU:4081), the current ROC (Joel Greenblatt) % is % 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 ﷼10.04 is trading 13.1% below its estimated GF Value™ of ﷼11.55. GuruFocus considers Nayifat Finance Co to be Modestly Undervalued.

Key valuation signals for SAU:4081:

  • ROC (Joel Greenblatt) %: %
  • GF Value™: ﷼11.55 vs. price of ﷼10.04 (13.1% below fair value)
  • GF Score™: 62/100 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.
62GF Score

Get the complete analysis for SAU:4081

ROC (Joel Greenblatt) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

﷼10.04
Price
﷼11.55
GF Value