National Insurance Company (Palestine) (PEX:NIC)

PEX:NIC Statistics

Total Valuation

PEX:NIC has a market cap or net worth of JOD 35.39 million. The enterprise value is 31.89 million.

Market Cap	35.39M
Enterprise Value	31.89M

Important Dates

The next estimated earnings date is 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 -0.20% in one year.

Current Share Class	18.50M
Shares Outstanding	18.50M
Shares Change (YoY)	-0.20%
Shares Change (QoQ)	+5.38%
Owned by Insiders (%)	n/a
Owned by Institutions (%)	n/a
Float	n/a

Valuation Ratios

The trailing PE ratio is 12.53.

PE Ratio	12.53
Forward PE	n/a
PS Ratio	0.91
PB Ratio	1.15
P/TBV Ratio	1.16
P/FCF Ratio	26.94
P/OCF Ratio	23.17
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 13.68, with an EV/FCF ratio of 24.28.

EV / Earnings	11.34
EV / Sales	0.82
EV / EBITDA	13.68
EV / EBIT	16.04
EV / FCF	24.28

Financial Position

The company has a current ratio of 0.81, with a Debt / Equity ratio of 0.02.

Current Ratio	0.81
Quick Ratio	0.33
Debt / Equity	0.02
Debt / EBITDA	0.21
Debt / FCF	0.38
Interest Coverage	453.80

Financial Efficiency

Return on equity (ROE) is 9.52% and return on invested capital (ROIC) is 4.14%.

Return on Equity (ROE)	9.52%
Return on Assets (ROA)	1.55%
Return on Invested Capital (ROIC)	4.14%
Return on Capital Employed (ROCE)	5.59%
Revenue Per Employee	n/a
Profits Per Employee	n/a
Employee Count	225
Asset Turnover	0.48
Inventory Turnover	n/a

Taxes

In the past 12 months, PEX:NIC has paid 348,246 in taxes.

Income Tax	348,246
Effective Tax Rate	11.03%

Stock Price Statistics

The stock price has decreased by -9.40% in the last 52 weeks. The beta is -0.11, so PEX:NIC's price volatility has been lower than the market average.

Beta (5Y)	-0.11
52-Week Price Change	-9.40%
50-Day Moving Average	2.69
200-Day Moving Average	2.93
Relative Strength Index (RSI)	47.76
Average Volume (20 Days)	5,951

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 38.83 million and earned 2.81 million in profits. Earnings per share was 0.15.

Revenue	38.83M
Gross Profit	3.03M
Operating Income	1.99M
Pretax Income	3.16M
Net Income	2.81M
EBITDA	2.29M
EBIT	1.99M
Earnings Per Share (EPS)	0.15

Balance Sheet

The company has 13.80 million in cash and 494,290 in debt, giving a net cash position of 3.50 million or 0.19 per share.

Cash & Cash Equivalents	13.80M
Total Debt	494,290
Net Cash	3.50M
Net Cash Per Share	0.19
Equity (Book Value)	30.71M
Book Value Per Share	1.58
Working Capital	-8.43M

Cash Flow

In the last 12 months, operating cash flow was 1.53 million and capital expenditures -213,646, giving a free cash flow of 1.31 million.

Operating Cash Flow	1.53M
Capital Expenditures	-213,646
Free Cash Flow	1.31M
FCF Per Share	0.07

Margins

Gross margin is 7.81%, with operating and profit margins of 5.13% and 7.25%.

Gross Margin	7.81%
Operating Margin	5.13%
Pretax Margin	8.13%
Profit Margin	7.25%
EBITDA Margin	5.91%
EBIT Margin	5.13%
FCF Margin	3.38%

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	1.60%
Buyback Yield	0.20%
Shareholder Yield	n/a
Earnings Yield	7.95%
FCF Yield	3.71%

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	4