Beema

Damaan Islamic Insurance Company (Beema)

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Financials

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Quarterly (QAR)

1-5

	Q4 2025Dec 31, 2025	Q3 2025Sep 30, 2025	Q2 2025Jun 30, 2025	Q1 2025Mar 31, 2025	Q4 2024Dec 31, 2024
Operations
Operating Cash Flow	70.12M	52.58M	69.75M	49.56M	52.90M
Free Cash Flow	69.74M	50.70M	69.36M	48.77M	49.79M
Capital Expenditures	-0.38M	-1.88M	-0.40M	-0.78M	-3.11M
Investing & Financing
Investing Cash Flow	-44.92M	-70.49M	-75.52M	11.33M	-84.43M
Financing Cash Flow	-0.71M	-1.73M	-1.03M	-42.48M	-0.44M
Dividends Paid	-0.64M	-1.73M	-1.03M	-42.34M	-0.44M
Operating Activities
Operating Cash Flow	70.12M	52.58M	69.75M	49.56M	52.90M
Net Income	25.92M	20.23M	36.35M	24.81M	45.81M
Change Accounts Receivable Insurance	34.67M	43.93M	37.34M	31.84M	5.30M
Change in Working Capital	54.58M	44.05M	43.40M	34.49M	16.11M
Change Insurance Reserves Liabilities	—	—	—	—	—
Change Other Net Oper Assets Insurance	19.92M	0.12M	6.06M	2.65M	10.81M
Other Operating Activities Insurance	0.04M	0.12M	0.14M	0.45M	-0.08M
Depreciation & Amortization	2.72M	2.35M	2.32M	2.09M	2.65M
Other Amortization	74.49K	—	—	75.02K	—
Cash Income Tax Paid	—	—	—	—	—
Investing Activities
Investing Cash Flow	-44.92M	-70.49M	-75.52M	11.33M	-84.43M
Capex Insurance	-0.38M	-1.88M	-0.40M	-0.78M	-3.11M
Investment in Securities	-44.56M	-70.43M	-75.13M	12.11M	-81.32M
Other Investing Activities	—	—	—	—	—
Sale of Property, Plant & Equipment	0.03M	1.83M	—	0.00M	0.00M
Gain Assets CF Insurance	-0.00K	0.00K	—	0.11K	-0.25K
Loss (Gain) on Sale of Investments	-13.22M	-14.17M	-12.46M	-12.36M	-11.58M
Financing Activities
Financing Cash Flow	-0.71M	-1.73M	-1.03M	-42.48M	-0.44M
Common Dividends Paid	-0.64M	-1.73M	-1.03M	-42.34M	-0.44M
Long-Term Debt Issued	—	—	—	—	—
Total Debt Issued	—	—	—	—	—
Long-Term Debt Repaid	—	—	—	-0.14M	—
Short-Term Debt Repaid	—	—	—	—	—
Net Debt Issued Insurance	-0.07M	—	—	-0.14M	—
Other Financing Activities Insurance	—	—	—	—	—
Total Debt Repaid Insurance	-0.07M	—	—	-0.14M	—
Free Cash Flow & Returns
Free Cash Flow	69.74M	50.70M	69.36M	48.77M	49.79M
Free Cash Flow Growth	+40.1%	+10.5%	+89.3%	+161.7%	+269.0%
Free Cash Flow Margin	+33.7%	+29.2%	+44.8%	+37.2%	+29.9%
Free Cash Flow Per Share	0.35	0.25	0.35	0.24	0.25
Levered Free Cash Flow	614.78M	0.14M	45.18M	-384.27M	73.90M
Unlevered Free Cash Flow	614.84M	0.27M	45.18M	-384.22M	73.90M
Operating Cash Flow Growth	+32.5%	+12.5%	+89.7%	+165.7%	+262.8%
Net Cash Flow	24.49M	-19.64M	-6.80M	18.40M	-31.97M

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Quarterly (QAR)

1-5

	Q4 2025Dec 31, 2025	Q3 2025Sep 30, 2025	Q2 2025Jun 30, 2025	Q1 2025Mar 31, 2025	Q4 2024Dec 31, 2024
Operations
Operating Cash Flow	70.12M	52.58M	69.75M	49.56M	52.90M
Free Cash Flow	69.74M	50.70M	69.36M	48.77M	49.79M
Capital Expenditures	-0.38M	-1.88M	-0.40M	-0.78M	-3.11M
Investing & Financing
Investing Cash Flow	-44.92M	-70.49M	-75.52M	11.33M	-84.43M
Financing Cash Flow	-0.71M	-1.73M	-1.03M	-42.48M	-0.44M
Dividends Paid	-0.64M	-1.73M	-1.03M	-42.34M	-0.44M
Operating Activities
Operating Cash Flow	70.12M	52.58M	69.75M	49.56M	52.90M
Net Income	25.92M	20.23M	36.35M	24.81M	45.81M
Change Accounts Receivable Insurance	34.67M	43.93M	37.34M	31.84M	5.30M
Change in Working Capital	54.58M	44.05M	43.40M	34.49M	16.11M
Change Insurance Reserves Liabilities	—	—	—	—	—
Change Other Net Oper Assets Insurance	19.92M	0.12M	6.06M	2.65M	10.81M
Other Operating Activities Insurance	0.04M	0.12M	0.14M	0.45M	-0.08M
Depreciation & Amortization	2.72M	2.35M	2.32M	2.09M	2.65M
Other Amortization	74.49K	—	—	75.02K	—
Cash Income Tax Paid	—	—	—	—	—
Investing Activities
Investing Cash Flow	-44.92M	-70.49M	-75.52M	11.33M	-84.43M
Capex Insurance	-0.38M	-1.88M	-0.40M	-0.78M	-3.11M
Investment in Securities	-44.56M	-70.43M	-75.13M	12.11M	-81.32M
Other Investing Activities	—	—	—	—	—
Sale of Property, Plant & Equipment	0.03M	1.83M	—	0.00M	0.00M
Gain Assets CF Insurance	-0.00K	0.00K	—	0.11K	-0.25K
Loss (Gain) on Sale of Investments	-13.22M	-14.17M	-12.46M	-12.36M	-11.58M
Financing Activities
Financing Cash Flow	-0.71M	-1.73M	-1.03M	-42.48M	-0.44M
Common Dividends Paid	-0.64M	-1.73M	-1.03M	-42.34M	-0.44M
Long-Term Debt Issued	—	—	—	—	—
Total Debt Issued	—	—	—	—	—
Long-Term Debt Repaid	—	—	—	-0.14M	—
Short-Term Debt Repaid	—	—	—	—	—
Net Debt Issued Insurance	-0.07M	—	—	-0.14M	—
Other Financing Activities Insurance	—	—	—	—	—
Total Debt Repaid Insurance	-0.07M	—	—	-0.14M	—
Free Cash Flow & Returns
Free Cash Flow	69.74M	50.70M	69.36M	48.77M	49.79M
Free Cash Flow Growth	+40.1%	+10.5%	+89.3%	+161.7%	+269.0%
Free Cash Flow Margin	+33.7%	+29.2%	+44.8%	+37.2%	+29.9%
Free Cash Flow Per Share	0.35	0.25	0.35	0.24	0.25
Levered Free Cash Flow	614.78M	0.14M	45.18M	-384.27M	73.90M
Unlevered Free Cash Flow	614.84M	0.27M	45.18M	-384.22M	73.90M
Operating Cash Flow Growth	+32.5%	+12.5%	+89.7%	+165.7%	+262.8%
Net Cash Flow	24.49M	-19.64M	-6.80M	18.40M	-31.97M