United Insurance Co. Ltd. (Jordan) (UNIN) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

First Insurance Co.

Euro Arab Insurance Group PSC

The Islamic Insurance Co.

Arabia Insurance Co.- Jordan Ltd.

United Insurance Co. Ltd. (Jordan)

Why is United Insurance Co. Ltd. (Jordan) ?

Weak Long Term Fundamental Strength with an average Return on Equity (ROE) of 8.20%

Poor long term growth as Net Sales has grown by an annual rate of 14.97% and Operating profit at 0.40%
The company has been able to generate a Return on Equity (avg) of 8.20% signifying low profitability per unit of shareholders funds

Poor long term growth as Net Sales has grown by an annual rate of 14.97% and Operating profit at 0.40%

The company declared negative results in Mar'25 after positive results in Dec'24

OPERATING CASH FLOW(Y) Lowest at JOD 3.07 MM
ROCE(HY) Lowest at 0%
EPS(Q) Lowest at JOD 0

With ROE of 8.17%, it has a expensive valuation with a 1.00 Price to Book Value

Over the past year, while the stock has generated a return of -25.33%, its profits have fallen by -3.4%

Below par performance in long term as well as near term

Along with generating -25.33% returns in the last 1 year, the stock has also underperformed Jordan General Index in the last 3 years, 1 year and 3 months

Real-Time Research Report

Verdict Report

How much should you hold?

Overall Portfolio exposure to United Insurance Co. Ltd. (Jordan) should be less than 10%
Overall Portfolio exposure to Insurance should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Insurance)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is United Insurance Co. Ltd. (Jordan) for you?

High Risk, Low Return

Absolute

Risk Adjusted

Volatility

United Insurance Co. Ltd. (Jordan)

-25.33%

0.34

45.39%

Jordan General Index

41.27%

4.23

9.76%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

14.97%

EBIT Growth (5y)

0.40%

EBIT to Interest (avg)

-0.13

Debt to EBITDA (avg)

Negative Net Debt

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

34.94%

Dividend Payout Ratio

67.57%

Pledged Shares

Institutional Holding

ROCE (avg)

0.04%

ROE (avg)

8.20%

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.00

EV to EBIT

EV to EBITDA

1.40

EV to Capital Employed

0.99

EV to Sales

0.04

PEG Ratio

Dividend Yield

ROCE (Latest)

ROE (Latest)

8.17%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bullish

Bearish

RSI

No Signal

Bearish

Bollinger Bands

Sideways

Mildly Bearish

Moving Averages

Mildly Bearish (Daily)

KST

Mildly Bullish

Bearish

Dow Theory

No Trend

Bearish

OBV

No Trend

Mildly Bullish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

11What is working for the Company

RAW MATERIAL COST(Y)

Fallen by 0% (YoY

NET SALES(Q)

Highest at JOD 11.07 MM

OPERATING PROFIT(Q)

Highest at JOD 10.97 MM

OPERATING PROFIT MARGIN(Q)

Highest at 99.1 %

PRE-TAX PROFIT(Q)

Highest at JOD 1.09 MM

NET PROFIT(Q)

Highest at JOD 1.01 MM

-5What is not working for the Company

OPERATING CASH FLOW(Y)

Lowest at JOD 3.07 MM

ROCE(HY)

Lowest at 0%

EPS(Q)

Lowest at JOD 0

Here's what is working for United Insurance Co. Ltd. (Jordan)

Net Profit

At JOD 1.01 MM has Grown at 220.51%

over average net sales of the previous four periods of JOD 0.32 MM

MOJO Watch

Near term Net Profit trend is very positive

Net Profit (JOD MM)

Net Sales

Highest at JOD 11.07 MM

in the last five periods

MOJO Watch

Near term sales trend is positive

Net Sales (JOD MM)

Net Sales

At JOD 11.07 MM has Grown at 26.85%

over average net sales of the previous four periods of JOD 8.73 MM

MOJO Watch

Near term sales trend is positive

Net Sales (JOD MM)

Operating Profit

Highest at JOD 10.97 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is positive

Operating Profit (JOD MM)

Operating Profit Margin

Highest at 99.1 %

in the last five periods

MOJO Watch

Company's profit margin has improved

Operating Profit to Sales

Pre-Tax Profit

Highest at JOD 1.09 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (JOD MM)

Pre-Tax Profit

At JOD 1.09 MM has Grown at 112.81%

over average net sales of the previous four periods of JOD 0.51 MM

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (JOD MM)

Net Profit

Highest at JOD 1.01 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is positive

Net Profit (JOD MM)

Raw Material Cost

Fallen by 0% (YoY)

MOJO Watch

The company's ability to pass on the cost of raw materials to customers has improved; this may lead to a rise in profit margin

Raw Material Cost as a percentage of Sales

Here's what is not working for United Insurance Co. Ltd. (Jordan)

Operating Cash Flow

Lowest at JOD 3.07 MM

in the last three years

MOJO Watch

The company's cash revenues from business operations are falling

Operating Cash Flows (JOD MM)

EPS

Lowest at JOD 0

in the last five periods

MOJO Watch

Declining profitability; company has created lower earnings for shareholders

EPS (JOD)