Nayifat Finance Co (SAU:4081) Total Liabilities: ﷼851.8 Mil (As of Mar. 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
57 GF Score
Price ﷼9.61
GF Value ﷼12.14
Valuation Modestly Undervalued
! 5 Warning Signs
View Full Analysis

What is Nayifat Finance Co Total Liabilities?

Nayifat Finance Co SAU:4081 -0.21% 57 Total Liabilities is ﷼851.8 Mil 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.

Nayifat Finance Co's Total Liabilities for the quarter that ended in Mar. 2026 was ﷼851.8 Mil.

Nayifat Finance Co's quarterly Total Liabilities increased from Sep. 2025 (﷼679.07 Mil) to Dec. 2025 (﷼923.37 Mil) but then declined from Dec. 2025 (﷼923.37 Mil) to Mar. 2026 (﷼851.77 Mil).

Nayifat Finance Co's annual Total Liabilities declined from Dec. 2023 (﷼699.66 Mil) to Dec. 2024 (﷼616.77 Mil) but then increased from Dec. 2024 (﷼616.77 Mil) to Dec. 2025 (﷼923.37 Mil).

Nayifat Finance Co Total Liabilities Historical Data

* Premium members only.

The historical data trend for Nayifat Finance Co's Total Liabilities 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 Total Liabilities Chart

Nayifat Finance Co Annual Data
Trend Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Total Liabilities
Get a 7-Day Free Trial Premium Member Only 675.30 649.88 699.66 616.77 923.37

Nayifat Finance Co Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Total Liabilities 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 594.30 639.21 679.07 923.37 851.77
SAU:4081
57GF Score
Nayifat Finance Co SAU:4081
Total Liabilities is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Nayifat Finance Co Total Liabilities Calculation

Total Liabilities are the liabilities that the company has to pay others. It is a part of the balance sheet of a company that shareholders do not own, and would be obligated to pay back if the company liquidated.

Nayifat Finance Co's Total Liabilities for the fiscal year that ended in Dec. 2025 is calculated as

Total Liabilities=Total Assets (A: Dec. 2025 )-Total Equity (A: Dec. 2025 )
=2162.886-1239.517
=923.4

Nayifat Finance Co's Total Liabilities for the quarter that ended in Mar. 2026 is calculated as

Total Liabilities=Total Assets (Q: Mar. 2026 )-Total Equity (Q: Mar. 2026 )
=2114.464-1262.693
=851.8

* 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 Total Liabilities →
What does a Total Liabilities of ﷼851.8 Mil mean?
Nayifat Finance Co (SAU:4081) has a Total Liabilities of ﷼851.8 Mil as of Mar. 2026. The total amount of liabilities as recorded on a company's balance sheet. View historical data for Nayifat Finance Co and its competitors.
Is Nayifat Finance Co's Total Liabilities too high?
Nayifat Finance Co's current Total Liabilities is ﷼851.8 Mil. 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 Total Liabilities compare to V and MA?
Nayifat Finance Co's Total Liabilities of ﷼851.8 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 Total Liabilities for a Credit Services company?
A good Total Liabilities depends on the Credit Services industry context. However, Total Liabilities 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 Total Liabilities mean?
A high Total Liabilities can signal that a stock is expensive relative to its fundamentals. The total amount of liabilities as recorded on a company's balance sheet. View historical data for Nayifat Finance Co and its competitors. Nayifat Finance Co's current Total Liabilities is ﷼851.8 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 ﷼12.14, compared to a current price of ﷼9.61 — trading 20.8% below its estimated fair value. The current Total Liabilities is ﷼851.8 Mil. 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 Total Liabilities calculated?
Total Liabilities is calculated from a company's financial statements. For Nayifat Finance Co (SAU:4081), the current Total Liabilities is ﷼851.8 Mil 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:

  • Total Liabilities: ﷼851.8 Mil
  • 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

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

﷼9.61
Price
﷼12.14
GF Value