Al-Takaful Palestinian Insurance Company (PEX:TIC)

PEX:TIC Statistics

Total Valuation

PEX:TIC has a market cap or net worth of JOD 22.61 million. The enterprise value is 22.45 million.

Market Cap	22.61M
Enterprise Value	22.45M

Important Dates

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

Earnings Date	Nov 13, 2025
Ex-Dividend Date	Apr 9, 2025

Share Statistics

PEX:TIC has 11.00 million shares outstanding. The number of shares has decreased by -0.03% in one year.

Current Share Class	11.00M
Shares Outstanding	11.00M
Shares Change (YoY)	-0.03%
Shares Change (QoQ)	+0.23%
Owned by Insiders (%)	n/a
Owned by Institutions (%)	n/a
Float	n/a

Valuation Ratios

The trailing PE ratio is 20.81.

PE Ratio	20.81
Forward PE	n/a
PS Ratio	0.49
PB Ratio	1.28
P/TBV Ratio	1.28
P/FCF Ratio	14.19
P/OCF Ratio	12.12
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	20.67
EV / Sales	0.49
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	14.09

Financial Position

The company has a current ratio of 1.04, with a Debt / Equity ratio of 0.01.

Current Ratio	1.04
Quick Ratio	0.68
Debt / Equity	0.01
Debt / EBITDA	n/a
Debt / FCF	0.13
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 6.36% and return on invested capital (ROIC) is -2.47%.

Return on Equity (ROE)	6.36%
Return on Assets (ROA)	-1.00%
Return on Invested Capital (ROIC)	-2.47%
Return on Capital Employed (ROCE)	-3.67%
Revenue Per Employee	219,200
Profits Per Employee	5,172
Employee Count	208
Asset Turnover	0.99
Inventory Turnover	n/a

Taxes

In the past 12 months, PEX:TIC has paid 429,812 in taxes.

Income Tax	429,812
Effective Tax Rate	28.35%

Stock Price Statistics

The stock price has decreased by -2.68% in the last 52 weeks. The beta is -0.10, so PEX:TIC's price volatility has been lower than the market average.

Beta (5Y)	-0.10
52-Week Price Change	-2.68%
50-Day Moving Average	2.75
200-Day Moving Average	2.37
Relative Strength Index (RSI)	53.33
Average Volume (20 Days)	673

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:TIC had revenue of JOD 46.03 million and earned 1.09 million in profits. Earnings per share was 0.10.

Revenue	46.03M
Gross Profit	11.66M
Operating Income	-742,299
Pretax Income	1.52M
Net Income	1.09M
EBITDA	-350,074
EBIT	-742,299
Earnings Per Share (EPS)	0.10

Balance Sheet

The company has 9.90 million in cash and 200,743 in debt, giving a net cash position of 167,648 or 0.02 per share.

Cash & Cash Equivalents	9.90M
Total Debt	200,743
Net Cash	167,648
Net Cash Per Share	0.02
Equity (Book Value)	17.66M
Book Value Per Share	1.60
Working Capital	894,753

Cash Flow

In the last 12 months, operating cash flow was 1.87 million and capital expenditures -271,979, giving a free cash flow of 1.59 million.

Operating Cash Flow	1.87M
Capital Expenditures	-271,979
Free Cash Flow	1.59M
FCF Per Share	0.14

Margins

Gross margin is 25.32%, with operating and profit margins of -1.61% and 2.36%.

Gross Margin	25.32%
Operating Margin	-1.61%
Pretax Margin	3.29%
Profit Margin	2.36%
EBITDA Margin	-0.76%
EBIT Margin	-1.61%
FCF Margin	3.46%

Dividends & Yields

This stock pays an annual dividend of 0.11, which amounts to a dividend yield of 5.17%.

Dividend Per Share	0.11
Dividend Yield	5.17%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	107.67%
Buyback Yield	0.03%
Shareholder Yield	5.20%
Earnings Yield	4.80%
FCF Yield	7.05%

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 4, 2023. It was a forward split with a ratio of 1.1.

Last Split Date	Apr 4, 2023
Split Type	Forward
Split Ratio	1.1

Scores

Altman Z-Score	n/a
Piotroski F-Score	4