National Insurance Company (Palestine) (PEX:NIC)

PEX:NIC Statistics

Total Valuation

PEX:NIC has a market cap or net worth of JOD 38.01 million. The enterprise value is 34.34 million.

Market Cap	38.01M
Enterprise Value	34.34M

Important Dates

The last earnings date was Thursday, November 13, 2025.

Earnings Date	Nov 13, 2025
Ex-Dividend Date	n/a

Share Statistics

PEX:NIC has 18.50 million shares outstanding. The number of shares has decreased by -2.31% in one year.

Current Share Class	18.50M
Shares Outstanding	18.50M
Shares Change (YoY)	-2.31%
Shares Change (QoQ)	-8.10%
Owned by Insiders (%)	n/a
Owned by Institutions (%)	n/a
Float	n/a

Valuation Ratios

The trailing PE ratio is 10.05.

PE Ratio	10.05
Forward PE	n/a
PS Ratio	0.97
PB Ratio	1.23
P/TBV Ratio	1.23
P/FCF Ratio	19.53
P/OCF Ratio	17.64
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 9.62, with an EV/FCF ratio of 17.65.

EV / Earnings	9.31
EV / Sales	0.87
EV / EBITDA	9.62
EV / EBIT	10.63
EV / FCF	17.65

Financial Position

The company has a current ratio of 0.83, with a Debt / Equity ratio of 0.02.

Current Ratio	0.83
Quick Ratio	0.37
Debt / Equity	0.02
Debt / EBITDA	0.14
Debt / FCF	0.25
Interest Coverage	1,213.15

Financial Efficiency

Return on equity (ROE) is 12.59% and return on invested capital (ROIC) is 6.78%.

Return on Equity (ROE)	12.59%
Return on Assets (ROA)	2.51%
Return on Invested Capital (ROIC)	6.78%
Return on Capital Employed (ROCE)	9.04%
Revenue Per Employee	179,726
Profits Per Employee	16,837
Employee Count	225
Asset Turnover	0.49
Inventory Turnover	n/a

Taxes

In the past 12 months, PEX:NIC has paid 655,720 in taxes.

Income Tax	655,720
Effective Tax Rate	15.10%

Stock Price Statistics

The stock price has decreased by -3.33% in the last 52 weeks. The beta is -0.16, so PEX:NIC's price volatility has been lower than the market average.

Beta (5Y)	-0.16
52-Week Price Change	-3.33%
50-Day Moving Average	2.77
200-Day Moving Average	2.90
Relative Strength Index (RSI)	53.69
Average Volume (20 Days)	5,789

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	n/a

Income Statement

In the last 12 months, PEX:NIC had revenue of JOD 39.36 million and earned 3.69 million in profits. Earnings per share was 0.20.

Revenue	39.36M
Gross Profit	4.28M
Operating Income	3.23M
Pretax Income	4.34M
Net Income	3.69M
EBITDA	3.57M
EBIT	3.23M
Earnings Per Share (EPS)	0.20

Balance Sheet

The company has 14.88 million in cash and 495,715 in debt, giving a net cash position of 3.67 million or 0.20 per share.

Cash & Cash Equivalents	14.88M
Total Debt	495,715
Net Cash	3.67M
Net Cash Per Share	0.20
Equity (Book Value)	30.80M
Book Value Per Share	1.73
Working Capital	-7.39M

Cash Flow

In the last 12 months, operating cash flow was 2.15 million and capital expenditures -208,765, giving a free cash flow of 1.95 million.

Operating Cash Flow	2.15M
Capital Expenditures	-208,765
Free Cash Flow	1.95M
FCF Per Share	0.11

Margins

Gross margin is 10.88%, with operating and profit margins of 8.21% and 9.37%.

Gross Margin	10.88%
Operating Margin	8.21%
Pretax Margin	11.03%
Profit Margin	9.37%
EBITDA Margin	9.07%
EBIT Margin	8.21%
FCF Margin	4.94%

Dividends & Yields

PEX:NIC does not appear to pay any dividends at this time.

Dividend Per Share	n/a
Dividend Yield	n/a
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	0.42%
Buyback Yield	2.31%
Shareholder Yield	2.31%
Earnings Yield	9.70%
FCF Yield	5.12%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

The last stock split was on April 22, 2024. It was a forward split with a ratio of 1.07246.

Last Split Date	Apr 22, 2024
Split Type	Forward
Split Ratio	1.07246

Scores

Altman Z-Score	n/a
Piotroski F-Score	3