Beema

Damaan Islamic Insurance Company (Beema)

BEMAStocksQatar Stock ExchangeInsurance

Financials

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Quarterly (QAR)

1-5

	Q1 2026Mar 31, 2026	Q4 2025Dec 31, 2025	Q3 2025Sep 30, 2025	Q2 2025Jun 30, 2025	Q1 2025Mar 31, 2025
Operating Summary
Revenue	159.50M	206.64M	173.65M	154.66M	131.15M
Operating Expenses	146.66M	180.64M	153.22M	118.30M	106.26M
Pretax Income	12.83M	25.92M	20.23M	36.35M	24.81M
Income Tax	—	—	—	—	—
Net Income	12.83M	25.92M	20.23M	36.35M	24.81M
Premium Revenue	140.73M	191.72M	156.93M	141.14M	115.36M
Policy Benefits	152.00M	170.80M	159.74M	125.80M	110.35M
Policy Cost	6.97M	12.06M	9.17M	8.42M	6.46M
EPS (Basic)	0.06	0.13	0.10	0.18	0.12
EPS (Diluted)	0.06	0.13	0.10	0.18	0.12
Margins & Efficiency
Net Margin %	+8.0%	+12.5%	+11.7%	+23.5%	+18.9%
Revenue & Income
Revenue Growth (YoY)	+21.6%	+24.0%	+31.5%	+26.6%	+31.8%
Revenue Insurance	159.50M	206.64M	173.65M	154.66M	131.15M
Premiums Annuity Rev	140.73M	191.72M	156.93M	141.14M	115.36M
Interest & Investment Income	—	—	—	—	—
Other Revenue Insurance	4.69M	2.51M	3.37M	1.78M	4.14M
Gain Investment Rev Insurance	177.03K	-34.08K	280.13K	-103.00K	330.64K
Expenses & Provisions
SG&A Insurance	6.67M	21.44M	12.25M	7.22M	3.85M
Other Opex Insurance	-33.36M	-35.97M	-41.11M	-36.64M	-26.79M
Total Opex Insurance	146.66M	180.64M	153.22M	118.30M	106.26M
Interest Expense	-7.35K	-81.18K	-204.55K	-6.44K	-80.94K
Policy Benefits	152.00M	170.80M	159.74M	125.80M	110.35M
Policy Cost	6.97M	12.06M	9.17M	8.42M	6.46M
Asset Writedown	—	—	—	—	—
D&A For EBITDA	2.06M	2.66M	2.35M	2.32M	2.03M
Da Suppl Insurance	2.06M	2.66M	2.35M	2.32M	2.03M
Profitability & Returns
EBIT	12.84M	26.00M	20.44M	36.36M	24.89M
EBIT Margin	+8.0%	+12.6%	+11.8%	+23.5%	+19.0%
EBITDA	14.89M	28.66M	22.79M	38.68M	26.92M
EBITDA Margin	+9.3%	+13.9%	+13.1%	+25.0%	+20.5%
EBT Excluding Unusual Items	12.83M	25.92M	20.23M	36.35M	24.81M
Pretax Income	12.83M	25.92M	20.23M	36.35M	24.81M
Opinc Insurance	12.84M	26.00M	20.44M	36.36M	24.89M
Operating Margin	+8.0%	+12.6%	+11.8%	+23.5%	+19.0%
Profit Margin	+8.0%	+12.5%	+11.7%	+23.5%	+18.9%
Net Income	12.83M	25.92M	20.23M	36.35M	24.81M
Net Income to Common	12.83M	25.92M	20.23M	36.35M	24.81M
Net Income Growth	-48.3%	-43.4%	-2.1%	+63.2%	+63.3%
Income Tax Expense	—	—	—	—	—
Effective Tax Rate	—	—	—	—	—
Per Share & Capital
EPS (Basic)	0.06	0.13	0.10	0.18	0.12
EPS (Diluted)	0.06	0.13	0.10	0.18	0.12
EPS Growth	-48.3%	-43.4%	-2.1%	+63.2%	+63.3%
Dividend Per Share	—	0.25	—	—	—
Shares Change (YoY)	—	—	—	—	—
Shares Outstanding (Basic)	200.00M	200.00M	200.00M	200.00M	200.00M
Shares Outstanding (Diluted)	200.00M	200.00M	200.00M	200.00M	200.00M
Dividend Growth	—	+25.0%	—	—	—
Free Cash Flow	24.75M	69.74M	50.70M	69.36M	48.77M
Free Cash Flow Margin	+15.5%	+33.7%	+29.2%	+44.8%	+37.2%
Free Cash Flow Per Share	0.12	0.35	0.25	0.35	0.24
Payout Ratio	+412.9%	+2.5%	+8.6%	+2.8%	+170.6%
Supplemental
Total Interest Dividend Income	13.91M	12.44M	13.08M	11.84M	11.32M

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Quarterly (QAR)

1-5

	Q1 2026Mar 31, 2026	Q4 2025Dec 31, 2025	Q3 2025Sep 30, 2025	Q2 2025Jun 30, 2025	Q1 2025Mar 31, 2025
Operating Summary
Revenue	159.50M	206.64M	173.65M	154.66M	131.15M
Operating Expenses	146.66M	180.64M	153.22M	118.30M	106.26M
Pretax Income	12.83M	25.92M	20.23M	36.35M	24.81M
Income Tax	—	—	—	—	—
Net Income	12.83M	25.92M	20.23M	36.35M	24.81M
Premium Revenue	140.73M	191.72M	156.93M	141.14M	115.36M
Policy Benefits	152.00M	170.80M	159.74M	125.80M	110.35M
Policy Cost	6.97M	12.06M	9.17M	8.42M	6.46M
EPS (Basic)	0.06	0.13	0.10	0.18	0.12
EPS (Diluted)	0.06	0.13	0.10	0.18	0.12
Margins & Efficiency
Net Margin %	+8.0%	+12.5%	+11.7%	+23.5%	+18.9%
Revenue & Income
Revenue Growth (YoY)	+21.6%	+24.0%	+31.5%	+26.6%	+31.8%
Revenue Insurance	159.50M	206.64M	173.65M	154.66M	131.15M
Premiums Annuity Rev	140.73M	191.72M	156.93M	141.14M	115.36M
Interest & Investment Income	—	—	—	—	—
Other Revenue Insurance	4.69M	2.51M	3.37M	1.78M	4.14M
Gain Investment Rev Insurance	177.03K	-34.08K	280.13K	-103.00K	330.64K
Expenses & Provisions
SG&A Insurance	6.67M	21.44M	12.25M	7.22M	3.85M
Other Opex Insurance	-33.36M	-35.97M	-41.11M	-36.64M	-26.79M
Total Opex Insurance	146.66M	180.64M	153.22M	118.30M	106.26M
Interest Expense	-7.35K	-81.18K	-204.55K	-6.44K	-80.94K
Policy Benefits	152.00M	170.80M	159.74M	125.80M	110.35M
Policy Cost	6.97M	12.06M	9.17M	8.42M	6.46M
Asset Writedown	—	—	—	—	—
D&A For EBITDA	2.06M	2.66M	2.35M	2.32M	2.03M
Da Suppl Insurance	2.06M	2.66M	2.35M	2.32M	2.03M
Profitability & Returns
EBIT	12.84M	26.00M	20.44M	36.36M	24.89M
EBIT Margin	+8.0%	+12.6%	+11.8%	+23.5%	+19.0%
EBITDA	14.89M	28.66M	22.79M	38.68M	26.92M
EBITDA Margin	+9.3%	+13.9%	+13.1%	+25.0%	+20.5%
EBT Excluding Unusual Items	12.83M	25.92M	20.23M	36.35M	24.81M
Pretax Income	12.83M	25.92M	20.23M	36.35M	24.81M
Opinc Insurance	12.84M	26.00M	20.44M	36.36M	24.89M
Operating Margin	+8.0%	+12.6%	+11.8%	+23.5%	+19.0%
Profit Margin	+8.0%	+12.5%	+11.7%	+23.5%	+18.9%
Net Income	12.83M	25.92M	20.23M	36.35M	24.81M
Net Income to Common	12.83M	25.92M	20.23M	36.35M	24.81M
Net Income Growth	-48.3%	-43.4%	-2.1%	+63.2%	+63.3%
Income Tax Expense	—	—	—	—	—
Effective Tax Rate	—	—	—	—	—
Per Share & Capital
EPS (Basic)	0.06	0.13	0.10	0.18	0.12
EPS (Diluted)	0.06	0.13	0.10	0.18	0.12
EPS Growth	-48.3%	-43.4%	-2.1%	+63.2%	+63.3%
Dividend Per Share	—	0.25	—	—	—
Shares Change (YoY)	—	—	—	—	—
Shares Outstanding (Basic)	200.00M	200.00M	200.00M	200.00M	200.00M
Shares Outstanding (Diluted)	200.00M	200.00M	200.00M	200.00M	200.00M
Dividend Growth	—	+25.0%	—	—	—
Free Cash Flow	24.75M	69.74M	50.70M	69.36M	48.77M
Free Cash Flow Margin	+15.5%	+33.7%	+29.2%	+44.8%	+37.2%
Free Cash Flow Per Share	0.12	0.35	0.25	0.35	0.24
Payout Ratio	+412.9%	+2.5%	+8.6%	+2.8%	+170.6%
Supplemental
Total Interest Dividend Income	13.91M	12.44M	13.08M	11.84M	11.32M