Stock UNIN UNITED INSURANCE COMPANY
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Financials United Insurance Company

Equities

UNIN

JO2100811014

Multiline Insurance & Brokers

End-of-day quote Amman S.E.
Other stock markets
 23:00:00 26/03/2024 GMT 		5-day change 1st Jan Change
1.85 JOD -.--% Intraday chart for United Insurance Company -.--% -.--%
04-04 United Insurance Company Reports Earnings Results for the Full Year Ended December 31, 2023 CI
2023 United Insurance Company Reports Earnings Results for the Nine Months Ended September 30, 2023 CI

Valuation

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Capitalization 1 10.4 9.2 8.56 9.04 11.2 14.8
Enterprise Value (EV) 1 7.672 6.765 3.254 2.291 3.404 9.066
P/E ratio 9.27 x 8.33 x 5.7 x 6.84 x 8.36 x 8.48 x
Yield 3.85% - 9.35% 8.85% 7.14% -
Capitalization / Revenue 0.57 x 0.45 x 0.48 x 0.57 x 0.59 x 0.44 x
EV / Revenue 0.42 x 0.33 x 0.18 x 0.15 x 0.18 x 0.27 x
EV / EBITDA 4.32 x 3.74 x 1.4 x 1.13 x 1.67 x 3.43 x
EV / FCF -8.23 x -6.38 x 0.64 x 0.63 x 4.28 x 1.29 x
FCF Yield -12.1% -15.7% 155% 158% 23.4% 77.4%
Price to Book 0.75 x 0.65 x 0.56 x 0.55 x 0.65 x 0.84 x
Nbr of stocks (in thousands) 8,000 8,000 8,000 8,000 8,000 8,000
Reference price 2 1.300 1.150 1.070 1.130 1.400 1.850
Announcement Date 03/04/19 15/03/20 31/03/21 03/03/22 01/03/23 04/04/24
1JOD in Million2JOD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net sales 1 18.16 20.39 17.93 15.76 18.99 33.72
EBITDA 1 1.776 1.81 2.328 2.024 2.037 2.643
EBIT 1 1.423 1.461 1.974 1.671 1.774 2.384
Operating Margin 7.84% 7.17% 11.01% 10.6% 9.34% 7.07%
Earnings before Tax (EBT) 1 1.424 1.479 1.974 1.671 1.752 2.342
Net income 1 1.122 1.104 1.502 1.322 1.34 1.744
Net margin 6.18% 5.41% 8.37% 8.39% 7.06% 5.17%
EPS 2 0.1403 0.1380 0.1877 0.1653 0.1675 0.2180
Free Cash Flow 1 -0.9318 -1.061 5.056 3.614 0.796 7.017
FCF margin -5.13% -5.2% 28.2% 22.93% 4.19% 20.81%
FCF Conversion (EBITDA) - - 217.22% 178.6% 39.07% 265.52%
FCF Conversion (Net income) - - 336.75% 273.35% 59.41% 402.3%
Dividend per Share 2 0.0500 - 0.1000 0.1000 0.1000 -
Announcement Date 03/04/19 15/03/20 31/03/21 03/03/22 01/03/23 04/04/24
1JOD in Million2JOD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net Debt 1 - - - - - -
Net Cash position 1 2.73 2.44 5.31 6.75 7.8 5.73
Leverage (Debt/EBITDA) - - - - - -
Free Cash Flow 1 -0.93 -1.06 5.06 3.61 0.8 7.02
ROE (net income / shareholders' equity) 8.08% 7.87% 10.1% 8.28% 7.94% 10.2%
ROA (Net income/ Total Assets) 2.33% 2.35% 3.05% 2.56% 2.62% 3.87%
Assets 1 48.14 47.01 49.17 51.75 51.08 45.05
Book Value Per Share 2 1.730 1.770 1.930 2.060 2.160 2.210
Cash Flow per Share 2 0.3400 0.3000 0.6600 0.8400 0.9700 0.7200
Capex 1 0.03 0.1 - 0.01 0.1 0.06
Capex / Sales 0.17% 0.51% - 0.09% 0.53% 0.16%
Announcement Date 03/04/19 15/03/20 31/03/21 03/03/22 01/03/23 04/04/24
1JOD in Million2JOD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

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