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 27.81 million.

Market Cap	22.61M
Enterprise Value	27.81M

Important Dates

The next estimated earnings date is 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.

Current Share Class	11.00M
Shares Outstanding	11.00M
Shares Change (YoY)	n/a
Shares Change (QoQ)	+0.07%
Owned by Insiders (%)	n/a
Owned by Institutions (%)	n/a
Float	n/a

Valuation Ratios

The trailing PE ratio is 22.94.

PE Ratio	22.94
Forward PE	n/a
PS Ratio	0.57
PB Ratio	1.34
P/TBV Ratio	1.34
P/FCF Ratio	10.12
P/OCF Ratio	9.14
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 130.84, with an EV/FCF ratio of 12.44.

EV / Earnings	28.21
EV / Sales	0.70
EV / EBITDA	130.84
EV / EBIT	n/a
EV / FCF	12.44

Financial Position

The company has a current ratio of 1.03, with a Debt / Equity ratio of 0.31.

Current Ratio	1.03
Quick Ratio	0.68
Debt / Equity	0.31
Debt / EBITDA	24.95
Debt / FCF	2.37
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 5.91% and return on invested capital (ROIC) is -1.04%.

Return on Equity (ROE)	5.91%
Return on Assets (ROA)	-0.48%
Return on Invested Capital (ROIC)	-1.04%
Return on Capital Employed (ROCE)	-1.77%
Revenue Per Employee	188,650
Profits Per Employee	4,694
Employee Count	208
Asset Turnover	0.88
Inventory Turnover	n/a

Taxes

In the past 12 months, PEX:TIC has paid 516,214 in taxes.

Income Tax	516,214
Effective Tax Rate	34.37%

Stock Price Statistics

The stock price has decreased by -1.69% in the last 52 weeks. The beta is -0.11, so PEX:TIC's price volatility has been lower than the market average.

Beta (5Y)	-0.11
52-Week Price Change	-1.69%
50-Day Moving Average	2.74
200-Day Moving Average	2.37
Relative Strength Index (RSI)	53.33
Average Volume (20 Days)	660

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 39.62 million and earned 985,804 in profits. Earnings per share was 0.09.

Revenue	39.62M
Gross Profit	5.74M
Operating Income	-343,094
Pretax Income	1.50M
Net Income	985,804
EBITDA	72,568
EBIT	-343,094
Earnings Per Share (EPS)	0.09

Balance Sheet

The company has 10.02 million in cash and 5.30 million in debt, giving a net cash position of -5.20 million or -0.47 per share.

Cash & Cash Equivalents	10.02M
Total Debt	5.30M
Net Cash	-5.20M
Net Cash Per Share	-0.47
Equity (Book Value)	16.91M
Book Value Per Share	1.54
Working Capital	601,689

Cash Flow

In the last 12 months, operating cash flow was 2.47 million and capital expenditures -239,727, giving a free cash flow of 2.23 million.

Operating Cash Flow	2.47M
Capital Expenditures	-239,727
Free Cash Flow	2.23M
FCF Per Share	0.20

Margins

Gross margin is 14.49%, with operating and profit margins of -0.87% and 2.49%.

Gross Margin	14.49%
Operating Margin	-0.87%
Pretax Margin	3.79%
Profit Margin	2.49%
EBITDA Margin	0.18%
EBIT Margin	-0.87%
FCF Margin	5.64%

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	118.67%
Buyback Yield	n/a
Shareholder Yield	5.17%
Earnings Yield	4.36%
FCF Yield	9.89%

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