Income Statement Al Amal Holding

Stocks

AMAL

JO3123111010

Investment Banking & Brokerage Services

End-of-day quote Amman S.E. 2026-06-30			5-day change	1st Jan Change
0.9000 ^JOD	-.--%		-.--%	-9.09%

07-26	Al Amal Holding Reports Earnings Results for the Second Quarter and Six Months Ended June 30, 2026	CI
04-28	Al Amal Financial Investment Q1 loss 131,180 dinars	RE

d1ab656df.6GHMbhgPp81nHI0u6vWLPTwvmiTNfl6EUxSVOQsqmU0.kRj1GCE67bdfWN5qvobtcHNDoxGZDTK3FF3kbE9j1Hm8Bp04R0jSlzhMvQ

Published financial data: AL AMAL HOLDING

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest and Dividend Income, Total	614K	512K	717K	849K	761K
Interest Expense, Total	-	-	-	2.09K	360
Net Interest Income	614K	512K	717K	847K	760K
Brokerage Commission	101K	99.98K	50.36K	27.37K	31.4K
Gain (Loss) on Sale of Investments, Total (Rev)	262K	-	347K	76.22K	170K
Other Revenues, Total	1.1K	36.6K	4.66K	5.38K	17K
Revenues Before Provison For Loan Losses	978K	649K	1.12M	956K	979K
Total Revenues	978K	649K	1.12M	956K	979K
Salaries And Other Employee Benefits	344K	185K	183K	148K	145K
Cost of Services Provided, Total	488K	557K	547K	679K	602K
Provision for Bad Debts	-1.67M	-1.19M	131K	347K	182K
Other Operating Expenses	-	6.97K	-	-	-
Total Operating Expenses	-838K	-445K	861K	1.17M	928K
Operating Income	1.82M	1.09M	259K	-218K	50.8K
Income (Loss) on Equity Invest.	-	-	-	-312K	-47.39K
Other Non Operating Income (Expenses)	-6.67K	-3.14K	-5.34K	-10.53K	-10.45K
EBT, Excl. Unusual Items	1.81M	1.09M	254K	-541K	-7.04K
Gain (Loss) on Sale of Investments	-	-199K	-28.57K	-153K	-
Asset Writedown	-	-9.28K	9.28K	-63.41K	-
Legal Settlements	-	-	-	-	-
EBT, Incl. Unusual Items	1.81M	882K	234K	-757K	-7.04K
Income Tax Expense	456K	437K	12.96K	33.32K	105K
Earnings From Continuing Operations	1.35M	444K	221K	-790K	-112K
Net Income to Company	1.35M	444K	221K	-790K	-112K
Net Income - (IS)	1.35M	444K	221K	-790K	-112K
Net Income to Common Incl Extra Items	1.35M	444K	221K	-790K	-112K
Net Income to Common Excl. Extra Items	1.35M	444K	221K	-790K	-112K
Per Share Items
Net EPS - Basic	0.09	0.03	0.01	-0.05	-0.01
Basic EPS - Continuing Operations	0.09	0.03	0.01	-0.05	-0.01
Basic Weighted Average Shares Outstanding	15M	15M	15M	15M	15M
Net EPS - Diluted	0.09	0.03	0.01	-0.05	-0.01
Diluted EPS - Continuing Operations	0.09	0.03	0.01	-0.05	-0.01
Diluted Weighted Average Shares Outstanding	15M	15M	15M	15M	15M
Normalized Basic EPS	0.08	0.05	0.01	-0.02	-0
Normalized Diluted EPS	0.08	0.05	0.01	-0.02	-0
Payout Ratio	-	-	-	-	-
Supplemental Items
Total Revenues (As Reported)	2.65M	1.93M	1.28M	1.65M	988K
Effective Tax Rate - (Ratio)	25.2	49.6	5.53	-4.4	-1.49K
Total Current Taxes	10.6K	-	47.02K	20.68K	54.93K
Total Deferred Taxes	445K	437K	-34.06K	12.63K	49.93K
Normalized Net Income	1.13M	682K	159K	-338K	-4.4K

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	2.59M	3.56M	2.78M	5.23M	8.1M
Accounts Receivable, Total	5.21M	3.64M	2.93M	1.59M	1.71M
Other Receivables	37.32K	-	11.54K	12.12K	-47.05K
Gross Property Plant And Equipment	152K	155K	180K	245K	191K
Accumulated Depreciation	-25.07K	-49.92K	-77.91K	-130K	-133K
Net Property Plant And Equipment	127K	105K	102K	115K	58.28K
Other Intangibles, Total	75.62K	76.61K	117K	72.51K	37.02K
Investment In Debt and Equity Securities	1.52M	1.24M	980K	146K	91.85K
Trading Asset Securities, Total	1.62M	3.23M	4.7M	2.79M	-
Other Current Assets, Total	123K	-	201K	259K	167K
Deferred Tax Assets Long-Term (Collected)	872K	435K	469K	456K	406K
Other Long-Term Assets, Total	1.18M	1.31M	1.63M	2.33M	2.33M
Total Assets	13.36M	13.59M	13.92M	13M	12.85M
Liabilities
Accounts Payable, Total	183K	335K	306K	165K	163K
Accrued Expenses, Total	107K	-	-	28.31K	43.64K
Short-Term Borrowings	-	-	-	-	-
Current Portion of Leases	-	-	-	25.23K	3.19K
Long-Term Leases	-	-	-	10.24K	-
Current Income Taxes Payable	6.36K	-	36.4K	1.67K	44.82K
Other Current Liabilities - (Brok / FS / Ins. / REIT Template)	137K	151K	137K	137K	5.63K
Other Non Current Liabilities	-	-	-	-	113K
Total Liabilities	433K	486K	480K	367K	374K
Common Stock, Total	15M	15M	15M	15M	15M
Retained Earnings	-1.84M	-1.4M	-1.13M	-1.92M	-2.06M
Comprehensive Income and Other	-226K	-495K	-423K	-441K	-462K
Total Common Equity	12.93M	13.1M	13.44M	12.64M	12.48M
Total Equity	12.93M	13.1M	13.44M	12.64M	12.48M
Total Liabilities And Equity	13.36M	13.59M	13.92M	13M	12.85M
Supplemental Items
ECS Total Shares Outstanding on Filing Date	15M	15M	15M	15M	15M
ECS Total Common Shares Outstanding	15M	15M	15M	15M	15M
Book Value / Share	0.86	0.87	0.9	0.84	0.83
Tangible Book Value	12.85M	13.03M	13.33M	12.56M	12.44M
Tangible Book Value Per Share	0.86	0.87	0.89	0.84	0.83
Total Debt	0	0	0	35.47K	3.19K
Net Debt	-4.21M	-6.8M	-7.48M	-7.99M	-8.1M
Equity Method Investments, Total	-	-	-	971K	924K
Full Time Employees	-	-	9	9	-
Accumulated Allowance for Doubtful Accounts (Supple)	2.83M	2.35M	2.32M	-	-

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	1.35M	444K	221K	-790K	-112K
Depreciation, Depletion & Amortization	18.5K	33.03K	36.16K	60.16K	66.14K
Total Depreciation, Depletion & Amortization	18.5K	33.03K	36.16K	60.16K	66.14K
Amortization of Deferred Charges, Total	10.73K	22.66K	33.29K	45.9K	35.5K
(Gain) Loss On Sale of Asset - (CF)	7.18K	-	-	-	-
(Gain) Loss on Sale of Investments - (CF)	-262K	199K	-319K	76.45K	-170K
Total Asset Writedown	-	9.28K	-9.28K	63.41K	-
Provision for Credit Losses	-1.67M	-1.19M	165K	459K	186K
(Income) Loss On Equity Investments - (CF)	-	-	-	312K	47.39K
Provision and Write-off of Bad Debts	-	-	-33.82K	-138K	-4.67K
Change in Trading Asset Securities	-	-	-	-	-
Change in Accounts Receivable	2.57M	2.64M	75.7K	45.24K	2.15K
Change in Accounts Payable	-185K	156K	-29.67K	-122K	-8.21K
Change In Deferred Taxes	-	-	-	-	-
Change in Other Net Operating Assets (Collected)	17.48K	-81.98K	514K	699K	-168K
Other Operating Activities	-159K	-78.12K	-710K	-833K	-657K
Cash from Operations	1.7M	2.15M	-55.52K	-122K	-783K
Capital Expenditure	-64.96K	-14.63K	-25.68K	-2.38K	-1.3K
Sale of Property, Plant, and Equipment	2.67K	-	-	-	-
Purchase / Sale of Intangible Assets	-4.83K	-11.3K	-73.59K	-1.5K	-
Sale (Purchase) of Real Estate Properties (Collected)	-47.51K	-	-	-	-
Investment in Marketable and Equity Securities, Total	-2.04M	-1.8M	-1.24M	1.83M	2.97M
Other Investing Activities, Total	554K	512K	717K	849K	761K
Cash from Investing	-1.6M	-1.31M	-618K	2.67M	3.73M
Short Term Debt Issued, Total	-	-	-	-	-
Total Debt Issued	-	-	-	-	-
Short Term Debt Repaid, Total	-	-	-	-	-
Long-Term Debt Repaid, Total	-	-	-	-28.67K	-32.64K
Total Debt Repaid	-	-	-	-28.67K	-32.64K
Common Dividends Paid	-	-	-	-	-
Common & Preferred Stock Dividends Paid	-	-	-	-	-
Other Financing Activities, Total	-	-3.14K	-5.34K	-10.53K	-10.45K
Cash from Financing	-	-3.14K	-5.34K	-39.2K	-43.09K
Net Change in Cash	98.01K	841K	-679K	2.51M	2.9M
Supplemental Items
Cash Interest Paid	-	-	-	-	-
Cash Income Tax Paid (Refund)	60.51K	6.36K	10.63K	55.41K	11.78K
Net Debt Issued / Repaid	-	-	-	-28.67K	-32.64K

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	10.59	3.3	1.61	-5.87	-0.87
Return On Equity %	11.02	3.41	1.67	-6.06	-0.89
Return on Common Equity	11.02	3.41	1.67	-6.06	-0.89
Margin Analysis
Gross Profit Margin %	100	100	100	100	100
SG&A Margin	85.05	114.25	65.18	86.54	76.26
Income From Continuing Operations Margin %	138.41	68.49	19.77	-82.69	-11.43
Net Income Margin %	138.41	68.49	19.77	-82.69	-11.43
Net Avail. For Common Margin %	138.41	68.49	19.77	-82.69	-11.43
Normalized Net Income Margin	115.65	105.03	14.16	-35.37	-0.45
Asset Turnover
Asset Turnover	0.08	0.05	0.08	0.07	0.08
Short Term Liquidity
Current Ratio	22.11	21.45	22.14	27.71	38.08
Quick Ratio	21.83	21.45	21.72	26.98	37.44
Operating Cash Flow to Current Liabilities	3.93	4.42	-0.12	-0.34	-3
Long Term Solvency
Total Debt/Equity	-	-	-	0.28	0.03
Total Debt / Total Capital	-	-	-	0.28	0.03
LT Debt/Equity	-	-	-	0.08	-
Long-Term Debt / Total Capital	-	-	-	0.08	-
Total Liabilities / Total Assets	3.24	3.58	3.45	2.82	2.91
Growth Over Prior Year
Total Revenues, 1 Yr. Growth %	8.5	-33.64	72.56	-14.65	21.93
Gross Profit, 1 Yr. Growth %	8.5	-33.64	72.56	-14.65	21.93
Earnings From Cont. Operations, 1 Yr. Growth %	73.11	-67.16	-50.19	-456.99	-85.84
Net Income, 1 Yr. Growth %	73.11	-67.16	-50.19	-456.99	-85.84
Normalized Net Income, 1 Yr. Growth %	66.11	-39.73	-76.74	-313.26	-98.99
Diluted EPS Before Extra, 1 Yr. Growth %	73.11	-67.16	-50.19	-457	-85.84
Common Equity, 1 Yr. Growth %	11.2	1.35	2.6	-6.01	-1.26
Total Assets, 1 Yr. Growth %	9.52	1.7	2.45	-6.61	-1.18
Tangible Book Value, 1 Yr. Growth %	11.33	1.35	2.3	-5.73	-0.99
Cash From Operations, 1 Yr. Growth %	3.8	24.4	-102.61	105.36	543.82
Capital Expenditures, 1 Yr. Growth %	10.58	-77.48	75.54	-90.73	-45.4
Compound Annual Growth Rate Over Two Years
Total Revenues, 2 Yr. CAGR %	-12.71	-15.15	7.01	21.36	-6.49
Gross Profit, 2 Yr. CAGR %	-12.71	-15.15	7.01	21.36	-6.49
Earnings From Cont. Operations, 2 Yr. CAGR %	79.98	-24.6	-59.56	33.35	-28.9
Net Income, 2 Yr. CAGR %	79.98	-24.6	-59.56	33.35	-28.9
Normalized Net Income, 2 Yr. CAGR %	105.55	0.05	-62.56	-29.57	-83.34
Diluted EPS Before Extra, 2 Yr. CAGR %	79.99	-24.61	-59.56	33.35	-28.9
Common Equity, 2 Yr. CAGR %	9.18	6.16	1.97	-1.8	-3.67
Total Assets, 2 Yr. CAGR %	6.91	5.54	2.08	-2.18	-3.93
Tangible Book Value, 2 Yr. CAGR %	8.87	6.22	1.82	-1.8	-3.39
Cash From Operations, 2 Yr. CAGR %	33.67	14.57	-82.09	-76.1	263.61
Capital Expenditures, 2 Yr. CAGR %	44.93	-50.1	-37.13	-59.65	-77.5
Compound Annual Growth Rate Over Three Years
Total Revenues, 3 Yr. CAGR %	-3.59	-20.33	7.51	-0.76	14.7
Gross Profit, 3 Yr. CAGR %	-3.59	-20.33	7.51	-0.76	14.7
Earnings From Cont. Operations, 3 Yr. CAGR %	21.13	2.08	-34.33	-16.42	-36.85
Net Income, 3 Yr. CAGR %	21.13	2.08	-34.33	-16.42	-36.85
Normalized Net Income, 3 Yr. CAGR %	42.36	36.56	-38.48	-33.14	-81.38
Diluted EPS Before Extra, 3 Yr. CAGR %	21.13	2.08	-34.34	-16.42	-36.86
Common Equity, 3 Yr. CAGR %	7.87	6.51	4.96	-0.76	-1.62
Total Assets, 3 Yr. CAGR %	4.29	5.14	4.5	-0.91	-1.85
Tangible Book Value, 3 Yr. CAGR %	7.69	6.31	4.9	-0.76	-1.53
Cash From Operations, 3 Yr. CAGR %	122.71	31.22	-67.65	-58.74	-28.35
Capital Expenditures, 3 Yr. CAGR %	88.16	-22.09	-24.11	-66.78	-55.37
Compound Annual Growth Rate Over Five Years
Total Revenues, 5 Yr. CAGR %	-8.52	-11.28	0.52	-5.72	1.67
Gross Profit, 5 Yr. CAGR %	-8.52	-11.28	0.52	-5.72	1.67
Earnings From Cont. Operations, 5 Yr. CAGR %	17.96	6.79	-21.9	13.6	-32.21
Net Income, 5 Yr. CAGR %	17.96	6.79	-21.9	13.6	-32.21
Normalized Net Income, 5 Yr. CAGR %	18.26	19.99	-16.56	4.78	-63.52
Diluted EPS Before Extra, 5 Yr. CAGR %	17.96	6.79	-21.9	13.6	-32.21
Common Equity, 5 Yr. CAGR %	-3.55	-3.03	5.47	3.1	1.42
Total Assets, 5 Yr. CAGR %	-5	-4.42	3.4	2.15	1.04
Tangible Book Value, 5 Yr. CAGR %	-3.66	-3.13	5.3	2.99	1.5
Cash From Operations, 5 Yr. CAGR %	17.26	107.48	-18.47	-33.75	-13.75
Capital Expenditures, 5 Yr. CAGR %	-8.15	31.81	21.37	-40.12	-53.33