Qatar Insurance

Qatar Insurance Co.

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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
Operating Summary
Revenue	2.61B	2.65B	2.45B	2.19B	2.45B
Operating Expenses	2.38B	2.36B	2.18B	1.95B	2.24B
Pretax Income	210.11M	262.59M	244.84M	206.58M	188.25M
Income Tax	-8.47M	58.35M	66.47M	1.56M	-21.13M
Net Income	0.17B	0.15B	0.14B	0.15B	0.17B
Premium Revenue	2.33B	2.37B	2.25B	1.91B	2.18B
Policy Benefits	1.75B	2.24B	2.11B	1.71B	-0.31B
Policy Cost	0.47B	—	—	0.32B	1.53B
EPS (Basic)	0.05	0.05	0.04	0.05	0.05
EPS (Diluted)	0.05	0.05	0.04	0.05	0.05
Margins & Efficiency
Net Margin %	+6.6%	+5.6%	+5.7%	+6.9%	+7.1%
Revenue & Income
Revenue Growth (YoY)	+6.6%	+13.3%	+11.9%	-10.0%	-5.8%
Revenue Insurance	2.61B	2.65B	2.45B	2.19B	2.45B
Premiums Annuity Rev	2.33B	2.37B	2.25B	1.91B	2.18B
Other Revenue Insurance	20.32M	4.28M	19.70M	12.51M	21.22M
Gain Investment Rev Insurance	127.02M	—	—	—	115.24M
Expenses & Provisions
SG&A Insurance	176.62M	117.25M	61.36M	111.85M	145.48M
Other Opex Insurance	-34.01M	—	—	-197.39M	857.74M
Total Opex Insurance	2.38B	2.36B	2.18B	1.95B	2.24B
Interest Expense	-22.83M	-22.28M	-24.38M	-31.33M	-19.01M
Policy Benefits	1.75B	2.24B	2.11B	1.71B	-0.31B
Policy Cost	0.47B	—	—	0.32B	1.53B
D&A For EBITDA	14.72M	6.29M	16.34M	11.85M	22.59M
Da Suppl Insurance	25.91M	7.75M	16.15M	13.22M	23.19M
Deferred Policy Acquisition Cost	—	—	—	—	—
Profitability & Returns
EBIT	232.94M	284.86M	269.22M	237.91M	207.27M
EBIT Margin	+8.9%	+10.8%	+11.0%	+10.9%	+8.5%
EBITDA	247.66M	291.16M	285.56M	249.76M	229.85M
EBITDA Margin	+9.5%	+11.0%	+11.6%	+11.4%	+9.4%
EBT Excluding Unusual Items	210.11M	262.59M	244.84M	206.58M	188.25M
Pretax Income	210.11M	262.59M	244.84M	206.58M	188.25M
Opinc Insurance	232.94M	284.86M	269.22M	237.91M	207.27M
Operating Margin	+8.9%	+10.8%	+11.0%	+10.9%	+8.5%
Profit Margin	+6.6%	+5.6%	+5.7%	+6.9%	+7.1%
Net Income	0.22B	0.20B	0.17B	0.20B	0.21B
Net Income to Common	0.17B	0.15B	0.14B	0.15B	0.17B
Net Income to Company	0.22B	0.20B	0.18B	0.21B	0.21B
Net Income Growth	+4.6%	+23.3%	+7.2%	+3.3%	+34.0%
Earnings From Continuing Ops.	218.58M	204.24M	178.37M	205.02M	209.38M
Earnings From Discontinued Ops.	—	—	—	—	—
Minority Interest in Earnings	-1.36M	-5.70M	-4.63M	-3.98M	-1.79M
Income Tax Expense	-8.47M	58.35M	66.47M	1.56M	-21.13M
Effective Tax Rate	—	+22.2%	+27.1%	+0.8%	—
Per Share & Capital
EPS (Basic)	0.05	0.05	0.04	0.05	0.05
EPS (Diluted)	0.05	0.05	0.04	0.05	0.05
EPS Growth	-0.4%	+33.6%	+9.1%	+4.4%	+43.7%
Dividend Per Share	0.11	—	—	—	0.10
Shares Change (YoY)	—	—	—	—	—
Shares Outstanding (Basic)	3.27B	3.27B	3.27B	3.27B	3.27B
Shares Outstanding (Diluted)	3.27B	3.27B	3.27B	3.27B	3.27B
Dividend Growth	+10.0%	—	—	—	—
Free Cash Flow	-370.47M	125.37M	-127.23M	-121.52M	-628.79M
Free Cash Flow Margin	-14.2%	+4.7%	-5.2%	-5.5%	-25.6%
Free Cash Flow Per Share	-0.11	0.04	-0.04	-0.04	-0.19
Payout Ratio	—	—	—	+162.5%	—
Preferred Dividends & Other Adjustments	44.53M	49.10M	34.13M	49.19M	34.12M
Supplemental
Total Interest Dividend Income	124.12M	265.38M	179.68M	265.63M	125.54M

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
Operating Summary
Revenue	2.61B	2.65B	2.45B	2.19B	2.45B
Operating Expenses	2.38B	2.36B	2.18B	1.95B	2.24B
Pretax Income	210.11M	262.59M	244.84M	206.58M	188.25M
Income Tax	-8.47M	58.35M	66.47M	1.56M	-21.13M
Net Income	0.17B	0.15B	0.14B	0.15B	0.17B
Premium Revenue	2.33B	2.37B	2.25B	1.91B	2.18B
Policy Benefits	1.75B	2.24B	2.11B	1.71B	-0.31B
Policy Cost	0.47B	—	—	0.32B	1.53B
EPS (Basic)	0.05	0.05	0.04	0.05	0.05
EPS (Diluted)	0.05	0.05	0.04	0.05	0.05
Margins & Efficiency
Net Margin %	+6.6%	+5.6%	+5.7%	+6.9%	+7.1%
Revenue & Income
Revenue Growth (YoY)	+6.6%	+13.3%	+11.9%	-10.0%	-5.8%
Revenue Insurance	2.61B	2.65B	2.45B	2.19B	2.45B
Premiums Annuity Rev	2.33B	2.37B	2.25B	1.91B	2.18B
Other Revenue Insurance	20.32M	4.28M	19.70M	12.51M	21.22M
Gain Investment Rev Insurance	127.02M	—	—	—	115.24M
Expenses & Provisions
SG&A Insurance	176.62M	117.25M	61.36M	111.85M	145.48M
Other Opex Insurance	-34.01M	—	—	-197.39M	857.74M
Total Opex Insurance	2.38B	2.36B	2.18B	1.95B	2.24B
Interest Expense	-22.83M	-22.28M	-24.38M	-31.33M	-19.01M
Policy Benefits	1.75B	2.24B	2.11B	1.71B	-0.31B
Policy Cost	0.47B	—	—	0.32B	1.53B
D&A For EBITDA	14.72M	6.29M	16.34M	11.85M	22.59M
Da Suppl Insurance	25.91M	7.75M	16.15M	13.22M	23.19M
Deferred Policy Acquisition Cost	—	—	—	—	—
Profitability & Returns
EBIT	232.94M	284.86M	269.22M	237.91M	207.27M
EBIT Margin	+8.9%	+10.8%	+11.0%	+10.9%	+8.5%
EBITDA	247.66M	291.16M	285.56M	249.76M	229.85M
EBITDA Margin	+9.5%	+11.0%	+11.6%	+11.4%	+9.4%
EBT Excluding Unusual Items	210.11M	262.59M	244.84M	206.58M	188.25M
Pretax Income	210.11M	262.59M	244.84M	206.58M	188.25M
Opinc Insurance	232.94M	284.86M	269.22M	237.91M	207.27M
Operating Margin	+8.9%	+10.8%	+11.0%	+10.9%	+8.5%
Profit Margin	+6.6%	+5.6%	+5.7%	+6.9%	+7.1%
Net Income	0.22B	0.20B	0.17B	0.20B	0.21B
Net Income to Common	0.17B	0.15B	0.14B	0.15B	0.17B
Net Income to Company	0.22B	0.20B	0.18B	0.21B	0.21B
Net Income Growth	+4.6%	+23.3%	+7.2%	+3.3%	+34.0%
Earnings From Continuing Ops.	218.58M	204.24M	178.37M	205.02M	209.38M
Earnings From Discontinued Ops.	—	—	—	—	—
Minority Interest in Earnings	-1.36M	-5.70M	-4.63M	-3.98M	-1.79M
Income Tax Expense	-8.47M	58.35M	66.47M	1.56M	-21.13M
Effective Tax Rate	—	+22.2%	+27.1%	+0.8%	—
Per Share & Capital
EPS (Basic)	0.05	0.05	0.04	0.05	0.05
EPS (Diluted)	0.05	0.05	0.04	0.05	0.05
EPS Growth	-0.4%	+33.6%	+9.1%	+4.4%	+43.7%
Dividend Per Share	0.11	—	—	—	0.10
Shares Change (YoY)	—	—	—	—	—
Shares Outstanding (Basic)	3.27B	3.27B	3.27B	3.27B	3.27B
Shares Outstanding (Diluted)	3.27B	3.27B	3.27B	3.27B	3.27B
Dividend Growth	+10.0%	—	—	—	—
Free Cash Flow	-370.47M	125.37M	-127.23M	-121.52M	-628.79M
Free Cash Flow Margin	-14.2%	+4.7%	-5.2%	-5.5%	-25.6%
Free Cash Flow Per Share	-0.11	0.04	-0.04	-0.04	-0.19
Payout Ratio	—	—	—	+162.5%	—
Preferred Dividends & Other Adjustments	44.53M	49.10M	34.13M	49.19M	34.12M
Supplemental
Total Interest Dividend Income	124.12M	265.38M	179.68M	265.63M	125.54M