Nayifat Finance Co (SAU:4081) Scaled Net Operating Assets: 0.79 (As of Mar. 2026)

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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 Scaled Net Operating Assets?

Nayifat Finance Co SAU:4081 -0.21% 57 Scaled Net Operating Assets is 0.79 as of Mar. 2026. 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.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Nayifat Finance Co's operating assets for the quarter that ended in Mar. 2026 was ﷼1,806.2 Mil. Nayifat Finance Co's operating liabilities for the quarter that ended in Mar. 2026 was ﷼87.6 Mil. Nayifat Finance Co's Total Assets for the quarter that ended in Dec. 2025 was ﷼2,162.9 Mil. Therefore, Nayifat Finance Co's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.79.

SAU:4081
57GF Score
Nayifat Finance Co SAU:4081
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Nayifat Finance Co Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Nayifat Finance Co's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(1901.177-86.806)/2064.758
=0.88

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=2162.886 - 261.709
=1901.177

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=923.369 - 836.563 - 0
=86.806

Nayifat Finance Co's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(1806.197-87.631)/2162.886
=0.79

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=2114.464 - 308.267
=1806.197

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=851.771 - 764.14 - 0
=87.631

* 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.

What does a Scaled Net Operating Assets of 0.79 mean?
Nayifat Finance Co (SAU:4081) has a Scaled Net Operating Assets of 0.79 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Nayifat Finance Co and its competitors.
Is Nayifat Finance Co's Scaled Net Operating Assets too high?
Nayifat Finance Co's current Scaled Net Operating Assets is 0.79. 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 Scaled Net Operating Assets compare to V and MA?
Nayifat Finance Co's Scaled Net Operating Assets of 0.79 can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Scaled Net Operating Assets for a Credit Services company?
A good Scaled Net Operating Assets depends on the Credit Services industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Nayifat Finance Co and its competitors. Nayifat Finance Co's current Scaled Net Operating Assets is 0.79. 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 Scaled Net Operating Assets is 0.79. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Nayifat Finance Co (SAU:4081), the current Scaled Net Operating Assets is 0.79 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:

  • Scaled Net Operating Assets: 0.79
  • 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

Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

﷼9.61
Price
﷼12.14
GF Value