Al-Nisr Al-Arabi Insurance Company PSC

Al-Nisr Al-Arabi Insurance Company PSC has a debt-to-equity ratio of 0.0, indicating a conservative capital structure with no long-term debt. The company's liquidity position is assessed as low, with cash and equivalents amounting to JOD 2,033,760. The operating cash flow is JOD 4,389,600, but the free cash flow is negative at JOD -1,638,230, suggesting that the company is investing in operations or capital expenditures. The company's profitability is reflected in its return on equity of 16.18% and return on assets of 3.96%. These metrics indicate that the company is generating a relatively high return for its shareholders but a moderate return on its total assets. The operating income is negative at JOD -542,890, which contrasts with a positive net income of JOD 5,806,080, suggesting that non-operating items significantly contribute to the bottom line. The company's revenue is distributed across four segments: Personal Insurance, Bancassurance, Group Life and Health, and Business Insurance. The geographic exposure is primarily within Jordan, with no significant international operations disclosed. The revenue concentration within Jordan may expose the company to local economic and regulatory risks. The company's growth trajectory is not explicitly detailed in the provided data, but the positive net income and operating cash flow suggest some level of operational stability. The capital expenditure of JOD -207,360 indicates ongoing investment in the business. The outlook for the current and next fiscal years is not provided, but the company's financial performance suggests a need for continued monitoring of its operational efficiency and capital allocation. The risk assessment indicates low liquidity and dilution risks, with no immediate filing-based liquidity or dilution flags detected. The company's capital structure is free of long-term debt, which reduces financial leverage and interest rate risk. However, the negative operating income and negative free cash flow suggest potential operational challenges that could affect liquidity in the future. Recent events and filings do not indicate any significant changes in the company's operations or financial position. The company's financial statements and disclosures do not mention any material events that would impact its operations or financial health in the near term.