Nayifat Finance Co (SAU:4081) Tax Provision: ﷼-4.7 Mil (TTM As of Jun. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
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.
Reviewed by: Charlie Tian Charlie Tian
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
58 GF Score
Price ﷼9.95
GF Value ﷼11.68
Valuation Modestly Undervalued
! 2 Warning Signs
View Full Analysis

What is Nayifat Finance Co Tax Provision?

Nayifat Finance Co SAU:4081 +0.61% 58 Tax Provision is ﷼-4.7 Mil as of Jun. 2026. GuruFocus rates SAU:4081 with a GF Score™ of 58/100 and a GF Value™ of ﷼11.68 (Modestly Undervalued). The stock has 2 warning signs investors should review.

Nayifat Finance Co's tax provision for the three months ended in Jun. 2026 was ﷼-5.3 Mil. Its tax provision for the trailing twelve months (TTM) ended in Jun. 2026 was ﷼-4.7 Mil.

Nayifat Finance Co Tax Provision Historical Data

* Premium members only.

The historical data trend for Nayifat Finance Co's Tax Provision 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.

Nayifat Finance Co Tax Provision Chart

Nayifat Finance Co Annual Data
Trend Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Tax Provision
Get a 7-Day Free Trial Premium Member Only -25.50 -19.70 -17.90 -17.75 -6.23

Nayifat Finance Co Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Tax Provision Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only -4.80 -3.80 7.37 -2.95 -5.29
SAU:4081
58GF Score
Nayifat Finance Co SAU:4081
Tax Provision is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Nayifat Finance Co Tax Provision Calculation

Tax to be paid.

Tax Provision for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ﷼-4.7 Mil.

* 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.

Frequently Asked Questions Learn more about Tax Provision →
What does a Tax Provision of ﷼-4.7 Mil mean?
Nayifat Finance Co (SAU:4081) has a Tax Provision of ﷼-4.7 Mil as of Jun. 2026. Provision for taxes is the amount of tax the company owes based on pre-tax income. View historical data on Nayifat Finance Co and its competitors.
Is Nayifat Finance Co's Tax Provision too high?
Nayifat Finance Co's current Tax Provision is ﷼-4.7 Mil. Overall, Nayifat Finance Co has a GF Score™ of 58/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Nayifat Finance Co's Tax Provision compare to V and MA?
Nayifat Finance Co's Tax Provision of ﷼-4.7 Mil 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 Tax Provision for a Credit Services company?
A good Tax Provision depends on the Credit Services industry context. However, Tax Provision 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 Tax Provision mean?
A high Tax Provision can signal that a stock is expensive relative to its fundamentals. Provision for taxes is the amount of tax the company owes based on pre-tax income. View historical data on Nayifat Finance Co and its competitors. Nayifat Finance Co's current Tax Provision is ﷼-4.7 Mil. 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 ﷼11.68, compared to a current price of ﷼9.95 — trading 14.8% below its estimated fair value. The current Tax Provision is ﷼-4.7 Mil. Nayifat Finance Co's overall GF Score™ is 58/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Tax Provision calculated?
Tax Provision is calculated from a company's financial statements. For Nayifat Finance Co (SAU:4081), the current Tax Provision is ﷼-4.7 Mil as of Jun. 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 ﷼9.95 is trading 14.8% below its estimated GF Value™ of ﷼11.68. GuruFocus considers Nayifat Finance Co to be Modestly Undervalued.

Key valuation signals for SAU:4081:

  • Tax Provision: ﷼-4.7 Mil
  • GF Value™: ﷼11.68 vs. price of ﷼9.95 (14.8% below fair value)
  • GF Score™: 58/100 with 2 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.
58GF Score

Get the complete analysis for SAU:4081

Tax Provision is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

﷼9.95
Price
﷼11.68
GF Value