The Housing Bank for Trade and Finance (ASE:THBK)

Jordan · Delayed Price · Currency is JOD

4.870

-0.030 (-0.61%)

At close: Aug 13, 2026

ASE:THBK Financials Overview

Financials in millions JOD. Fiscal year is January - December.

Millions JOD. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Revenue	446.19	442.58	425.8	402.35	371.61	304.95
Revenue Growth	3.41%	3.94%	5.83%	8.27%	21.86%	26.15%
Net Income	156.25	154.87	147.45	136.73	129.5	105.62
Earnings Per Share	0.50	0.49	0.47	0.43	0.41	0.34
EPS Growth	4.83%	5.03%	7.84%	5.58%	22.61%	188.47%

Revenue by Segment

Fiscal Year	FY 2025
Period Ending	Dec '25 Dec 31, 2025
Elimination	-126.7
Retail	292.45
Others	5.18
Companies	237.18
Treasury	241.79
Institutional Finance	8.33
Total	658.23

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Investments	763.49	916.76	937.22	691.71	900.82	1,271
Total Debt	427.05	344.96	320.85	320.49	421.94	386.56
Net Cash (Debt)	336.44	571.8	616.36	371.22	478.88	884.87
Net Cash Growth	5.12%	-7.23%	66.04%	-22.48%	-45.88%	-10.12%
Net Cash Per Share	1.07	1.82	1.96	1.18	1.52	2.81

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Operating Cash Flow	31.34	248.56	57.66	49.19	-211.75	286.82
Capital Expenditures	-17.82	-14.07	-15.58	-13.21	-12.39	-7.94
Free Cash Flow	13.51	234.48	42.08	35.97	-224.13	278.88
Free Cash Flow Growth	-78.34%	457.28%	16.96%	-	-	7475.82%

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Profit Margin	35.02%	34.99%	34.63%	33.98%	34.85%	34.64%
FCF Margin	3.03%	52.98%	9.88%	8.94%	-60.31%	91.45%

Dividends

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug '26 Aug 15, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Dividend Per Share	0.300	0.300	0.300	0.250	0.250	0.200
Dividend Per Share Growth	0%	0%	20.00%	0%	25.00%	66.67%
Dividend Yield	6.16%	7.22%	10.44%	8.34%	9.17%	7.65%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug '26 Aug 15, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
PE Ratio	9.82	9.01	7.14	8.59	8.88	11.04
Forward PE	-	19.93	19.93	19.93	19.93	19.93
P/FCF Ratio	113.54	5.95	25.01	32.66	-	4.18
PS Ratio	3.44	3.15	2.47	2.92	3.09	3.82