Jordan Ahli Bank PSC

Jordan Ahli Bank PSC has a debt-to-equity ratio of 1.61, indicating a moderate reliance on debt financing relative to equity. The company's liquidity position is assessed as medium, with negative net cash after subtracting total debt. The return on equity (ROE) is 5.04%, which is below the typical ROE benchmark for banks, suggesting limited efficiency in generating returns for shareholders. The return on assets (ROA) is 0.57%, further indicating that the bank is not effectively utilizing its asset base to generate profits. The bank's profitability metrics, including ROE and ROA, are below the industry median for banks, which typically have ROE in the range of 10-15% and ROA in the range of 1-2%. This suggests that Jordan Ahli Bank PSC is underperforming its peers in terms of capital efficiency and asset utilization. The bank's net income of 21,255,790 JOD is derived from a revenue base of 102,860,770 JOD, resulting in a net profit margin of approximately 20.66%. However, this margin is not sufficient to offset the low ROA and ROE figures. Jordan Ahli Bank PSC operates through four business segments, with no specific revenue breakdown provided in the input data. The bank's geographic exposure is primarily within Jordan, with 50 branches across the country and 6 foreign branches. The lack of detailed segment and geographic revenue data limits the ability to assess concentration risk. The bank's revenue is likely concentrated in Jordan, given the limited number of foreign branches and the absence of international revenue figures. The bank's growth trajectory is constrained by its current financial performance. The free cash flow is negative at -14,790,140 JOD, and capital expenditures are -28,607,960 JOD, indicating that the bank is not generating sufficient cash to fund its operations and investments. The outlook for the current fiscal year is not explicitly provided, but the negative free cash flow and low profitability metrics suggest a challenging growth environment. The bank's diluted and basic shares outstanding are equal at 200,655,000, indicating no immediate dilution pressure. The risk assessment for Jordan Ahli Bank PSC highlights medium liquidity risk and low dilution risk. The key flag of negative net cash after subtracting total debt suggests potential liquidity constraints. The bank's debt structure, with long-term debt of 679,375,010 JOD, may pose refinancing risks if interest rates rise or credit conditions tighten. The absence of analyst buy or hold recommendations, with one strong sell and one neutral recommendation, indicates a lack of confidence among analysts. Recent events, including the latest earnings report showing an actual EPS of 0.11 JOD versus a mean estimate of 0.09 JOD, suggest that the bank met expectations but did not exceed them. The lack of detailed filings or transcripts in the input data limits the ability to assess recent strategic or operational developments.