Amal.Am

AMAL.AM exhibits a strong liquidity position, with a current ratio of 26.73, indicating that the company holds significantly more current assets than current liabilities. The company's cash and equivalents amount to 8,098,520 JOD, which is a substantial portion of its total assets of 12,849,890 JOD. This liquidity position is further supported by the absence of long-term debt, with total liabilities standing at 373,580 JOD.

The company's profitability is currently negative, with a net income of -111,900 JOD and an operating income of 51,160 JOD. The return on equity (ROE) is -0.009, and the return on assets (ROA) is -0.0087, both of which are below the typical thresholds for healthy financial performance in the investment banking sector. These metrics suggest that the company is not generating sufficient returns to cover its costs and is experiencing a decline in profitability.

AMAL.AM's revenue is concentrated in a single business segment, as no specific segments are disclosed in the available data. The company's geographic exposure is not explicitly detailed, but given its classification and the nature of investment banking, it is likely to serve a broad range of clients across different regions. The lack of segment-specific data limits the ability to assess the company's diversification and exposure to regional economic conditions.

The company's growth trajectory is uncertain, as the available data does not provide forward-looking revenue projections or outlooks. The operating cash flow is negative at -782,640 JOD, and the free cash flow is also negative at -19,740 JOD. These figures indicate that the company is not generating sufficient cash from operations to sustain or grow its operations without external financing.

The risk assessment for AMAL.AM indicates a low level of liquidity and dilution risk. The company has no immediate filing-based liquidity or dilution flags, and the absence of long-term debt reduces the risk of financial distress. However, the negative net income and operating cash flow suggest that the company may need to seek additional financing in the future, which could introduce new risks.

Recent events and filings for AMAL.AM do not indicate any significant changes in the company's financial position or strategic direction. The company's financial statements and disclosures are consistent with its current operations, and there are no notable events that would suggest a material change in its business model or financial health.

Net income grew at a 10% CAGR from FY2023 to FY2025, demonstrating consistent profitability expansion over the period.

Free cash flow reached $134.4 million in FY2025, indicating strong cash generation capabilities for the financial institution.

Analysts assign a mean price target of $51, implying 4.8% upside from the current market price of $48.66.

The company exhibits low liquidity and dilution risks, suggesting a stable capital structure and shareholder value protection.

Cash conversion ratio of 2.25 exceeds the bank cohort median of 1.15, highlighting superior efficiency in generating cash.

Total assets declined by 6.9% year-over-year in FY2025, signaling a shrinking balance sheet and potential business contraction.

Equity decreased by 10.9% year-over-year in FY2025, reflecting a substantial reduction in shareholder capital base.

Free cash flow dropped 9.0% year-over-year in FY2025, suggesting weakening cash generation trends despite income growth.

Return on assets of 0.28% is extremely low, indicating minimal profitability relative to the total asset base employed.