Stock NAAI NATIONAL INSURANCE COMPANY
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Financials National Insurance Company

Equities

NAAI

JO2102111017

Multiline Insurance & Brokers

End-of-day quote Amman S.E.
Other stock markets
 03:30:00 04/06/2024 am IST 		5-day change 1st Jan Change
1.15 JOD -0.86% Intraday chart for National Insurance Company -0.86% -7.26%
2023 National Insurance Company Reports Earnings Results for the Third Quarter and Nine Months Ended September 30, 2023 CI
2023 National Insurance Company Reports Earnings Results for the Half Year Ended June 30, 2023 CI

Valuation

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Capitalization 1 9.28 9.28 8.96 9.2 9.6 9.92
Enterprise Value (EV) 1 5.101 6.214 5.616 2.729 3.082 9.811
P/E ratio -10.3 x 20 x 10.1 x 10 x 8.71 x 7.43 x
Yield - - - 8.7% 8.33% -
Capitalization / Revenue 0.54 x 0.59 x 0.64 x 0.67 x 0.58 x 0.41 x
EV / Revenue 0.3 x 0.4 x 0.4 x 0.2 x 0.19 x 0.4 x
EV / EBITDA -5.59 x 11 x 5.21 x 2.32 x 2.05 x 5.39 x
EV / FCF 1.35 x 5.3 x 4.27 x 1.34 x 1.8 x 1.45 x
FCF Yield 74.3% 18.9% 23.4% 74.7% 55.7% 69.1%
Price to Book 1.07 x 1.02 x 0.95 x 0.81 x 0.78 x 0.9 x
Nbr of stocks (in thousands) 8,000 8,000 8,000 8,000 8,000 8,000
Reference price 2 1.160 1.160 1.120 1.150 1.200 1.240
Announcement Date 31/03/19 20/05/20 13/07/21 03/03/22 31/03/23 30/05/24
1JOD in Million2JOD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net sales 1 17.19 15.72 14.1 13.76 16.64 24.41
EBITDA 1 -0.9128 0.5637 1.078 1.176 1.505 1.82
EBIT 1 -0.9667 0.5109 1.025 1.124 1.458 1.756
Operating Margin -5.62% 3.25% 7.27% 8.17% 8.76% 7.19%
Earnings before Tax (EBT) 1 -0.9661 0.5109 1.027 1.124 1.469 1.756
Net income 1 -0.902 0.4612 0.8882 0.9204 1.102 1.338
Net margin -5.25% 2.93% 6.3% 6.69% 6.63% 5.48%
EPS 2 -0.1128 0.0580 0.1110 0.1150 0.1378 0.1670
Free Cash Flow 1 3.789 1.173 1.316 2.04 1.716 6.777
FCF margin 22.04% 7.46% 9.33% 14.83% 10.31% 27.76%
FCF Conversion (EBITDA) - 208.02% 122.06% 173.38% 114.08% 372.29%
FCF Conversion (Net income) - 254.27% 148.2% 221.6% 155.68% 506.38%
Dividend per Share - - - 0.1000 0.1000 -
Announcement Date 31/03/19 20/05/20 13/07/21 03/03/22 31/03/23 30/05/24
1JOD in Million2JOD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net Debt 1 - - - - - -
Net Cash position 1 4.18 3.07 3.34 6.47 6.52 0.11
Leverage (Debt/EBITDA) - - - - - -
Free Cash Flow 1 3.79 1.17 1.32 2.04 1.72 6.78
ROE (net income / shareholders' equity) -9.51% 5.19% 9.62% 8.85% 9.3% 11.4%
ROA (Net income/ Total Assets) -2.27% 1.2% 2.39% 2.52% 2.95% 3.39%
Assets 1 39.77 38.51 37.19 36.54 37.32 39.47
Book Value Per Share 2 1.080 1.140 1.170 1.430 1.540 1.380
Cash Flow per Share 2 0.5200 0.3800 0.4200 0.8100 0.8100 0.0100
Capex 1 0.01 0.02 0 0.01 0.01 0.02
Capex / Sales 0.06% 0.1% 0.03% 0.08% 0.06% 0.08%
Announcement Date 31/03/19 20/05/20 13/07/21 03/03/22 31/03/23 30/05/24
1JOD in Million2JOD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

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