Stock FINS FIRST INSURANCE COMPANY
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Financials First Insurance Company

Equities

FINS

JO2103411010

Multiline Insurance & Brokers

End-of-day quote Amman S.E.
Other stock markets
 06:00:00 2024-04-29 pm EDT 		5-day change 1st Jan Change
0.75 JOD -1.32% Intraday chart for First Insurance Company -.--% -1.32%
Apr. 29 First Insurance Company Reports Earnings Results for the First Quarter Ended March 31, 2024 CI
Mar. 03 First Insurance Company Reports Earnings Results for the Full Year Ended December 31, 2023 CI

Valuation

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Capitalization 1 15.12 16.8 17.36 18.48 18.76 21.28
Enterprise Value (EV) 1 7.842 7.051 15.71 17.44 17.98 19.94
P/E ratio 5.59 x 7.35 x 11.8 x 8.86 x 9.3 x 7.32 x
Yield 10.2% 7.5% 5.65% 6.06% 5.97% 5.26%
Capitalization / Revenue 0.65 x 0.62 x 0.64 x 0.69 x 0.58 x 0.29 x
EV / Revenue 0.34 x 0.26 x 0.58 x 0.65 x 0.55 x 0.27 x
EV / EBITDA 2.65 x 2.62 x 7.06 x 6.55 x 5.85 x 5.01 x
EV / FCF 8.15 x -2.45 x -2.54 x -8 x 2.63 x 5.39 x
FCF Yield 12.3% -40.8% -39.4% -12.5% 38% 18.6%
Price to Book 0.46 x 0.51 x 0.52 x 0.54 x 0.54 x 0.63 x
Nbr of stocks (in thousands) 28,000 28,000 28,000 28,000 28,000 28,000
Reference price 2 0.5400 0.6000 0.6200 0.6600 0.6700 0.7600
Announcement Date 4/3/19 5/31/20 3/31/21 3/3/22 3/1/23 3/3/24
1JOD in Million2JOD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net sales 1 23.14 27.08 27.1 26.87 32.52 74.54
EBITDA 1 2.961 2.686 2.227 2.661 3.075 3.983
EBIT 1 2.778 2.438 1.897 2.196 2.626 3.563
Operating Margin 12.01% 9% 7% 8.17% 8.08% 4.78%
Earnings before Tax (EBT) 1 2.781 2.438 1.899 2.196 2.626 3.517
Net income 1 2.713 2.285 1.47 2.096 2.026 2.906
Net margin 11.72% 8.44% 5.43% 7.8% 6.23% 3.9%
EPS 2 0.0966 0.0816 0.0525 0.0745 0.0720 0.1038
Free Cash Flow 1 0.9628 -2.876 -6.184 -2.18 6.836 3.7
FCF margin 4.16% -10.62% -22.82% -8.11% 21.02% 4.96%
FCF Conversion (EBITDA) 32.52% - - - 222.34% 92.9%
FCF Conversion (Net income) 35.49% - - - 337.48% 127.32%
Dividend per Share 2 0.0550 0.0450 0.0350 0.0400 0.0400 0.0400
Announcement Date 4/3/19 5/31/20 3/31/21 3/3/22 3/1/23 3/3/24
1JOD in Million2JOD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net Debt 1 - - - - - -
Net Cash position 1 7.28 9.75 1.65 1.04 0.78 1.34
Leverage (Debt/EBITDA) - - - - - -
Free Cash Flow 1 0.96 -2.88 -6.18 -2.18 6.84 3.7
ROE (net income / shareholders' equity) 8.34% 6.96% 4.45% 6.24% 5.89% 8.86%
ROA (Net income/ Total Assets) 2.97% 2.52% 1.97% 2.32% 2.67% 3.63%
Assets 1 91.32 90.6 74.46 90.25 75.74 80.13
Book Value Per Share 2 1.170 1.180 1.180 1.220 1.240 1.200
Cash Flow per Share 2 0.2600 0.3500 0.0600 0.0400 0.0300 0.0700
Capex 1 2 2.77 1.13 0.05 0.02 0.07
Capex / Sales 8.63% 10.22% 4.17% 0.19% 0.06% 0.09%
Announcement Date 4/3/19 5/31/20 3/31/21 3/3/22 3/1/23 3/3/24
1JOD in Million2JOD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

Sector Islamic Insurance

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Islamic Insurance
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