General Insurance

Qatar General Insurance & Reinsurance Company Q.P.S.C.

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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	20.79M	-20.24M	-34.09M	-15.88M	37.37M
Free Cash Flow	20.13M	-20.51M	-34.34M	-16.53M	34.66M
Capital Expenditures	-0.66M	-0.27M	-0.25M	-0.65M	-2.72M
Investing & Financing
Investing Cash Flow	37.04M	87.43M	69.02M	100.39M	126.20M
Financing Cash Flow	-53.61M	-44.98M	-77.71M	-44.10M	-117.94M
Operating Activities
Operating Cash Flow	20.79M	-20.24M	-34.09M	-15.88M	37.37M
Net Income	0.03B	0.02B	0.02B	0.05B	-0.02B
Change Accounts Payable Insurance	—	—	-107.00K	107.00K	—
Change Accounts Receivable Insurance	-1.64M	-19.76M	-84.33M	-5.16M	19.36M
Change in Unearned Revenue	—	—	—	—	—
Change in Working Capital	12.02M	-31.11M	-70.31M	-33.33M	48.62M
Change Insurance Reserves Liabilities	—	—	—	—	—
Change Other Net Oper Assets Insurance	13.66M	-11.34M	14.13M	-28.28M	29.27M
Other Operating Activities Insurance	2.24M	-2.08M	4.62M	-11.57M	15.49M
Depreciation & Amortization	1.14M	1.13M	1.32M	1.34M	1.39M
Cash Interest Paid	11.46M	13.67M	26.93M	—	26.83M
Cash Income Tax Paid	—	0.17M	—	—	—
Investing Activities
Investing Cash Flow	37.04M	87.43M	69.02M	100.39M	126.20M
Capex Insurance	-0.66M	-0.27M	-0.25M	-0.65M	-2.72M
Investment in Securities	-0.73M	24.95M	-0.81M	-2.58M	48.24M
Other Investing Activities	1.46M	35.91M	15.94M	17.55M	7.91M
Sale Of Intangibles Insurance	-55.00K	—	—	—	—
Sale of Property, Plant & Equipment	0.03M	0.02M	0.02M	0.07M	0.30M
Gain Assets CF Insurance	-0.74M	-0.97M	-4.67M	-4.55M	-1.25M
Loss (Gain) on Sale of Investments	-0.00B	-0.01B	0.01B	0.00B	0.00B
Financing Activities
Financing Cash Flow	-53.61M	-44.98M	-77.71M	-44.10M	-117.94M
Long-Term Debt Issued	—	—	—	—	—
Total Debt Issued	—	—	—	—	—
Long-Term Debt Repaid	—	—	—	-32.43M	—
Net Debt Issued Insurance	-42.15M	-31.31M	-62.45M	-32.43M	-91.11M
Other Financing Activities Insurance	-11.46M	-13.67M	-15.26M	-11.67M	-26.83M
Total Debt Repaid Insurance	-42.15M	-31.31M	-62.45M	-32.43M	-91.11M
Free Cash Flow & Returns
Free Cash Flow	20.13M	-20.51M	-34.34M	-16.53M	34.66M
Free Cash Flow Growth	-41.9%	—	—	—	+658.8%
Free Cash Flow Margin	+11.1%	-11.0%	-16.2%	-7.2%	+13.2%
Free Cash Flow Per Share	0.02	-0.02	-0.04	-0.02	0.04
Levered Free Cash Flow	238.39M	68.39M	10.85M	15.13M	260.01M
Unlevered Free Cash Flow	246.06M	78.59M	22.33M	29.43M	271.88M
Operating Cash Flow Growth	-44.4%	—	—	—	+606.0%
Net Cash Flow	4.23M	22.21M	-42.78M	40.42M	45.64M

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	20.79M	-20.24M	-34.09M	-15.88M	37.37M
Free Cash Flow	20.13M	-20.51M	-34.34M	-16.53M	34.66M
Capital Expenditures	-0.66M	-0.27M	-0.25M	-0.65M	-2.72M
Investing & Financing
Investing Cash Flow	37.04M	87.43M	69.02M	100.39M	126.20M
Financing Cash Flow	-53.61M	-44.98M	-77.71M	-44.10M	-117.94M
Operating Activities
Operating Cash Flow	20.79M	-20.24M	-34.09M	-15.88M	37.37M
Net Income	0.03B	0.02B	0.02B	0.05B	-0.02B
Change Accounts Payable Insurance	—	—	-107.00K	107.00K	—
Change Accounts Receivable Insurance	-1.64M	-19.76M	-84.33M	-5.16M	19.36M
Change in Unearned Revenue	—	—	—	—	—
Change in Working Capital	12.02M	-31.11M	-70.31M	-33.33M	48.62M
Change Insurance Reserves Liabilities	—	—	—	—	—
Change Other Net Oper Assets Insurance	13.66M	-11.34M	14.13M	-28.28M	29.27M
Other Operating Activities Insurance	2.24M	-2.08M	4.62M	-11.57M	15.49M
Depreciation & Amortization	1.14M	1.13M	1.32M	1.34M	1.39M
Cash Interest Paid	11.46M	13.67M	26.93M	—	26.83M
Cash Income Tax Paid	—	0.17M	—	—	—
Investing Activities
Investing Cash Flow	37.04M	87.43M	69.02M	100.39M	126.20M
Capex Insurance	-0.66M	-0.27M	-0.25M	-0.65M	-2.72M
Investment in Securities	-0.73M	24.95M	-0.81M	-2.58M	48.24M
Other Investing Activities	1.46M	35.91M	15.94M	17.55M	7.91M
Sale Of Intangibles Insurance	-55.00K	—	—	—	—
Sale of Property, Plant & Equipment	0.03M	0.02M	0.02M	0.07M	0.30M
Gain Assets CF Insurance	-0.74M	-0.97M	-4.67M	-4.55M	-1.25M
Loss (Gain) on Sale of Investments	-0.00B	-0.01B	0.01B	0.00B	0.00B
Financing Activities
Financing Cash Flow	-53.61M	-44.98M	-77.71M	-44.10M	-117.94M
Long-Term Debt Issued	—	—	—	—	—
Total Debt Issued	—	—	—	—	—
Long-Term Debt Repaid	—	—	—	-32.43M	—
Net Debt Issued Insurance	-42.15M	-31.31M	-62.45M	-32.43M	-91.11M
Other Financing Activities Insurance	-11.46M	-13.67M	-15.26M	-11.67M	-26.83M
Total Debt Repaid Insurance	-42.15M	-31.31M	-62.45M	-32.43M	-91.11M
Free Cash Flow & Returns
Free Cash Flow	20.13M	-20.51M	-34.34M	-16.53M	34.66M
Free Cash Flow Growth	-41.9%	—	—	—	+658.8%
Free Cash Flow Margin	+11.1%	-11.0%	-16.2%	-7.2%	+13.2%
Free Cash Flow Per Share	0.02	-0.02	-0.04	-0.02	0.04
Levered Free Cash Flow	238.39M	68.39M	10.85M	15.13M	260.01M
Unlevered Free Cash Flow	246.06M	78.59M	22.33M	29.43M	271.88M
Operating Cash Flow Growth	-44.4%	—	—	—	+606.0%
Net Cash Flow	4.23M	22.21M	-42.78M	40.42M	45.64M