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AL-AMAL FINANCIAL INVESTMENTS CO. Financial

Trading Information in the Regular Market

2021 2020 2019
Par Value/Share (JD) 1.00 1.00 1.00
Closing Price (JD) 1.00 0.64 0.75
Value Traded (JD) 5,853,869 6,393,123 14,067,932
No. of Shares Traded 8,297,331 9,118,190 19,246,447
No. of Transactions 5,039 4,140 9,429
No. of Subscribed Shares 15,000,000 15,000,000 15,000,000
Market Capitalization (JD) 15,000,000 9,600,000 11,250,000
Fiscal Year Ended 31/12/2021 31/12/2020 31/12/2019

Assets (JD)

2021 2020 2019
Cash on Hand & at Banks 2,563,093 2,465,081 759,769
Checks, bills of collection 0 0 0
Other debit balances 185,445 164,045 252,915
Financial Assets at Fair Value Through Profit 1,621,328 370,942 0
Other Current Assets 0 0 0
Total Current Assets 9,584,122 10,196,135 9,668,135
Financial Assets at Fair Value Through Other Comprehensive Income 1,522,128 517,911 413,697
Real estate investments 1,181,449 0 0
Investments in Sister, Subsidiary, Allied companies 0 0 0
Fixed Assets, Net 203,004 170,244 78,275
Other Assets 872,278 1,317,548 1,532,363
Total non-current assets 3,778,859 2,005,703 2,024,335
Total Assets 13,362,981 12,201,838 11,692,470

Liabilities (JD)

2021 2020 2019
Payables to related parties 0 0 0
Credit Banks 0 0 0
Short Term Loans 0 0 0
Other Current Liabilities 250,336 207,178 299,744
Total Current Liabilities 433,441 574,876 846,521
Long Term Loans & Notes Payable 0 0 0
Corporate Bonds 0 0 0
Other Liabilities 0 0 0
Total Liabilities 433,441 574,876 846,521

Shareholders Equity (JD)

2021 2020 2019
Authorized Capital 15,000,000 15,000,000 15,000,000
Subscribed and Paid-in Capital 15,000,000 15,000,000 15,000,000
Compulsory Reserves 1,887,675 1,706,748 1,597,984
Voluntary Reserve 0 0 0
Other Reserves 0 0 0
Issuance Premium 0 0 0
Issuance Discount 0 0 0
Treasury Stocks 0 0 0
Cash Dividends 0 0 0
Stock Dividends 0 0 0
Accumulated Change in Fair Value -226,215 -177,439 -176,753
Retained Earnings -3,731,920 -4,902,347 -5,575,282
Total Shareholders Equity 12,929,540 11,626,962 10,845,949
Non-controlling Interest 0 0 0
Total equity 12,929,540 11,626,962 10,845,949
Total Liabilities & Shareholders Equity 13,362,981 12,201,838 11,692,470

Income Statement (JD)

2021 2020 2019
Net brokerage commissions 101,386 181,348 629,233
Administrative and advisory fees 0 0 0
Interest revenues 605,228 672,033 692,640
Gain From Financial Assets at Fair Value Through Profit 8,386 0 0
Gain From Financial Assets at Fair Value Through Other Comprehensive Income 0 0 0
Earnings from differences on assessment of financial assets 261,712 16,215 0
The company's share of Sister,subsidiary, allied companies 0 0 0
Other Revenues 1,670,895 798,794 23,130
Total revenues 2,647,607 1,668,390 1,345,003
Realized losses of financial assets 0 0 0
Unrealized losses from Low assessment of financial assets 0 0 0
General and administrative expenses 831,668 574,544 540,064
Interest expenses 6,668 6,203 57,357
Allowance For Doubtful Accounts 0 0 277,545
Depreciation (Period) 0 0 0
Other Expenses 0 0 41,824
Miscellaneous provisions 0 0 0
Total Expenses 838,336 580,747 916,790
Income Before Tax 1,809,271 1,087,643 428,213
Income Tax 455,866 305,842 10,421
Previous income tax 0 0 0
Universities and Research Train Fees 0 0 0
Board of Directors Remuniration 0 0 0
Net Income 1,353,405 781,801 417,792
Non-controlling Interest 0 0 0
Net Income Pertains to Shareholders 1,353,405 781,801 417,792

Cash Flow (JD)

2021 2020 2019
Cash Balance (Beginning) 2,490,081 759,769 -594,601
Net Cash Flow from (Used in) Operating Activities 1,702,215 1,639,833 952,643
Net Cash Flow from (Used in) Investing Activities -1,604,203 90,479 459,084
Net Cash Flow from (Used in) Financing Activities 0 0 -57,357
Cash Balance (Ending) 2,588,093 2,490,081 759,769

Financial Ratios

2021 2020 2019
Turnover Ratio % 55.320 60.790 128.310
Earning Per Share (JD) 0.090 0.050 0.030
Dividend Per Share (JD) 0.000 0.000 0.000
Book Value Per Share (JD) 0.860 0.780 0.720
Price Earnings Ratio (Times) 11.080 12.280 26.930
Dividend Yield % 0.000 0.000 0.000
Dividend Per Share to Earning Per Share % 0.000 0.000 0.000
Price to Book Value (Times) 1.160 0.830 1.040
Margin Before Interest and Tax % 68.590 65.560 36.100
Profit Margin % 51.120 46.860 31.060
Return On Assets % 10.130 6.410 3.570
Return On Equity % 10.470 6.720 3.850
Debt Ratio % 3.240 4.710 7.240
Equity Ratio % 96.760 95.290 92.760
Interest Coverage Ratio (Times) 272.340 176.340 8.470
Total Assets Turnover (Times) 0.200 0.140 0.120
Financial Assets Turnover (Times) 0.840 1.880 3.250
Working Capital Turnover (Times) 0.290 0.170 0.150
Current Ratio (Times) 22.110 17.740 11.420
Working Capital (JD) 9,150,681.000 9,621,259.000 8,821,614.000