Beema

Damaan Islamic Insurance Company (Beema)

BEMAStocksQatar Stock ExchangeInsurance

Financials

1-5

	CurrentMar 10, 2026	Q1 2026Mar 31, 2026	Q4 2025Dec 31, 2025	Q3 2025Sep 30, 2025	Q2 2025Jun 30, 2025
Market & Price
Market Capitalization	859.00M	860.00M	869.60M	839.80M	753.80M
Market Cap Growth	+10.5%	+12.6%	+10.0%	+1.8%	-3.0%
Enterprise Value	556.69M	539.42M	557.93M	545.17M	492.07M
Last Close Price	4.30	4.30	4.11	3.97	3.57
Valuation Multiples
PE Ratio	9.01	9.02	8.10	6.60	5.91
PS Ratio	1.24	1.24	1.31	1.34	1.29
PB Ratio	1.46	1.47	1.40	1.39	1.31
P/TBV Ratio	1.46	1.47	1.40	1.39	1.31
P/FCF Ratio	4.00	4.01	3.65	3.84	3.53
P/OCF Ratio	3.95	3.96	3.59	3.74	3.44
EV/Sales Ratio	0.80	0.78	0.84	0.87	0.84
EV/EBITDA Ratio	5.30	5.14	4.77	3.98	3.59
EV/EBIT Ratio	5.82	5.64	5.18	4.28	3.85
EV/FCF Ratio	2.59	2.51	2.34	2.49	2.30
Leverage & Capital
Debt / Equity Ratio	0.01	0.01	0.01	0.01	0.01
Debt / EBITDA Ratio	0.03	0.05	0.02	0.03	0.02
Debt / FCF Ratio	0.01	0.01	0.01	0.01	0.01
Net Debt / Equity Ratio	-0.52	-0.52	-0.52	-0.52	-0.51
Net Debt / EBITDA Ratio	-2.88	-2.88	-2.74	-2.28	-2.15
Net Debt / FCF Ratio	-1.41	-1.41	-1.34	-1.43	-1.38
Efficiency & Liquidity
Asset Turnover	0.38	0.50	0.45	0.42	0.37
Quick Ratio	0.49	0.49	0.53	1.60	1.60
Current Ratio	0.58	0.58	0.64	1.89	1.83
Returns & Yields
Return on Equity (ROE)	+8.5%	+16.9%	+13.7%	+26.0%	+18.0%
Return on Assets (ROA)	+1.9%	+3.9%	+3.3%	+6.2%	+4.4%
Return on Invested Capital (ROIC)	+2.1%	+4.2%	+3.4%	+6.5%	+4.5%
Earnings Yield	+11.1%	+11.1%	+12.3%	+15.1%	+16.9%
FCF Yield	+25.0%	+24.9%	+27.4%	+26.0%	+28.4%
Dividend Yield	+5.8%	—	+6.1%	—	—
Payout Ratio	+59.1%	+412.9%	+2.5%	+8.6%	+2.8%
Buyback Yield / Dilution	—	—	—	—	—
Total Shareholder Return	+5.8%	—	+6.1%	—	—

1-5

	CurrentMar 10, 2026	Q1 2026Mar 31, 2026	Q4 2025Dec 31, 2025	Q3 2025Sep 30, 2025	Q2 2025Jun 30, 2025
Market & Price
Market Capitalization	859.00M	860.00M	869.60M	839.80M	753.80M
Market Cap Growth	+10.5%	+12.6%	+10.0%	+1.8%	-3.0%
Enterprise Value	556.69M	539.42M	557.93M	545.17M	492.07M
Last Close Price	4.30	4.30	4.11	3.97	3.57
Valuation Multiples
PE Ratio	9.01	9.02	8.10	6.60	5.91
PS Ratio	1.24	1.24	1.31	1.34	1.29
PB Ratio	1.46	1.47	1.40	1.39	1.31
P/TBV Ratio	1.46	1.47	1.40	1.39	1.31
P/FCF Ratio	4.00	4.01	3.65	3.84	3.53
P/OCF Ratio	3.95	3.96	3.59	3.74	3.44
EV/Sales Ratio	0.80	0.78	0.84	0.87	0.84
EV/EBITDA Ratio	5.30	5.14	4.77	3.98	3.59
EV/EBIT Ratio	5.82	5.64	5.18	4.28	3.85
EV/FCF Ratio	2.59	2.51	2.34	2.49	2.30
Leverage & Capital
Debt / Equity Ratio	0.01	0.01	0.01	0.01	0.01
Debt / EBITDA Ratio	0.03	0.05	0.02	0.03	0.02
Debt / FCF Ratio	0.01	0.01	0.01	0.01	0.01
Net Debt / Equity Ratio	-0.52	-0.52	-0.52	-0.52	-0.51
Net Debt / EBITDA Ratio	-2.88	-2.88	-2.74	-2.28	-2.15
Net Debt / FCF Ratio	-1.41	-1.41	-1.34	-1.43	-1.38
Efficiency & Liquidity
Asset Turnover	0.38	0.50	0.45	0.42	0.37
Quick Ratio	0.49	0.49	0.53	1.60	1.60
Current Ratio	0.58	0.58	0.64	1.89	1.83
Returns & Yields
Return on Equity (ROE)	+8.5%	+16.9%	+13.7%	+26.0%	+18.0%
Return on Assets (ROA)	+1.9%	+3.9%	+3.3%	+6.2%	+4.4%
Return on Invested Capital (ROIC)	+2.1%	+4.2%	+3.4%	+6.5%	+4.5%
Earnings Yield	+11.1%	+11.1%	+12.3%	+15.1%	+16.9%
FCF Yield	+25.0%	+24.9%	+27.4%	+26.0%	+28.4%
Dividend Yield	+5.8%	—	+6.1%	—	—
Payout Ratio	+59.1%	+412.9%	+2.5%	+8.6%	+2.8%
Buyback Yield / Dilution	—	—	—	—	—
Total Shareholder Return	+5.8%	—	+6.1%	—	—