Beema

Damaan Islamic Insurance Company (Beema)

BEMAStocksQatar Stock ExchangeInsurance

Financials

1-5

	CurrentMar 10, 2026	2025Dec 31, 2025	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022
Market & Price
Market Capitalization	858.00M	869.60M	790.80M	797.60M	—
Market Cap Growth	+5.5%	+10.0%	-0.9%	—	—
Enterprise Value	537.42M	557.93M	592.41M	699.56M	—
Last Close Price	4.29	4.11	3.55	3.41	—
Valuation Multiples
PE Ratio	7.99	8.10	7.61	8.20	—
PS Ratio	1.29	1.31	1.52	2.41	—
PB Ratio	1.39	1.40	1.42	1.58	—
P/TBV Ratio	1.39	1.40	1.42	1.58	—
P/FCF Ratio	3.60	3.65	5.24	—	—
P/OCF Ratio	3.55	3.59	5.10	—	—
EV/Sales Ratio	0.81	0.84	1.14	2.11	—
EV/EBITDA Ratio	4.59	4.77	5.23	6.66	—
EV/EBIT Ratio	4.99	5.18	5.69	7.16	—
EV/FCF Ratio	2.25	2.34	3.93	—	—
Leverage & Capital
Debt / Equity Ratio	0.01	0.01	0.01	0.01	0.53
Debt / EBITDA Ratio	0.02	0.02	0.03	0.04	2.22
Debt / FCF Ratio	0.01	0.01	0.02	—	0.82
Net Debt / Equity Ratio	-0.52	-0.52	-0.43	-0.25	-0.28
Net Debt / EBITDA Ratio	-2.74	-2.74	-2.13	-1.18	-1.18
Net Debt / FCF Ratio	-1.34	-1.34	-1.60	0.91	-0.43
Efficiency & Liquidity
Asset Turnover	0.43	0.43	0.37	0.21	0.19
Quick Ratio	0.53	0.53	0.53	0.52	0.53
Current Ratio	0.64	0.64	0.69	0.70	0.65
Returns & Yields
Return on Equity (ROE)	+18.2%	+18.2%	+19.6%	+20.1%	+22.3%
Return on Assets (ROA)	+4.4%	+4.4%	+4.6%	+3.8%	+4.0%
Return on Invested Capital (ROIC)	+17.5%	+18.2%	+19.5%	+16.1%	+15.2%
Earnings Yield	+12.5%	+12.3%	+13.1%	+12.2%	—
FCF Yield	+27.8%	+27.4%	+19.1%	-17.0%	—
Dividend Yield	+5.8%	+6.1%	+5.6%	+5.3%	—
Payout Ratio	+42.6%	+42.6%	+41.3%	+38.3%	+23.0%
Buyback Yield / Dilution	—	—	—	—	—
Total Shareholder Return	+5.8%	+6.1%	+5.6%	+5.3%	—

1-5

	CurrentMar 10, 2026	2025Dec 31, 2025	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022
Market & Price
Market Capitalization	858.00M	869.60M	790.80M	797.60M	—
Market Cap Growth	+5.5%	+10.0%	-0.9%	—	—
Enterprise Value	537.42M	557.93M	592.41M	699.56M	—
Last Close Price	4.29	4.11	3.55	3.41	—
Valuation Multiples
PE Ratio	7.99	8.10	7.61	8.20	—
PS Ratio	1.29	1.31	1.52	2.41	—
PB Ratio	1.39	1.40	1.42	1.58	—
P/TBV Ratio	1.39	1.40	1.42	1.58	—
P/FCF Ratio	3.60	3.65	5.24	—	—
P/OCF Ratio	3.55	3.59	5.10	—	—
EV/Sales Ratio	0.81	0.84	1.14	2.11	—
EV/EBITDA Ratio	4.59	4.77	5.23	6.66	—
EV/EBIT Ratio	4.99	5.18	5.69	7.16	—
EV/FCF Ratio	2.25	2.34	3.93	—	—
Leverage & Capital
Debt / Equity Ratio	0.01	0.01	0.01	0.01	0.53
Debt / EBITDA Ratio	0.02	0.02	0.03	0.04	2.22
Debt / FCF Ratio	0.01	0.01	0.02	—	0.82
Net Debt / Equity Ratio	-0.52	-0.52	-0.43	-0.25	-0.28
Net Debt / EBITDA Ratio	-2.74	-2.74	-2.13	-1.18	-1.18
Net Debt / FCF Ratio	-1.34	-1.34	-1.60	0.91	-0.43
Efficiency & Liquidity
Asset Turnover	0.43	0.43	0.37	0.21	0.19
Quick Ratio	0.53	0.53	0.53	0.52	0.53
Current Ratio	0.64	0.64	0.69	0.70	0.65
Returns & Yields
Return on Equity (ROE)	+18.2%	+18.2%	+19.6%	+20.1%	+22.3%
Return on Assets (ROA)	+4.4%	+4.4%	+4.6%	+3.8%	+4.0%
Return on Invested Capital (ROIC)	+17.5%	+18.2%	+19.5%	+16.1%	+15.2%
Earnings Yield	+12.5%	+12.3%	+13.1%	+12.2%	—
FCF Yield	+27.8%	+27.4%	+19.1%	-17.0%	—
Dividend Yield	+5.8%	+6.1%	+5.6%	+5.3%	—
Payout Ratio	+42.6%	+42.6%	+41.3%	+38.3%	+23.0%
Buyback Yield / Dilution	—	—	—	—	—
Total Shareholder Return	+5.8%	+6.1%	+5.6%	+5.3%	—