General Insurance

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

QGRIStocksQatar Stock ExchangeInsurance

Financials

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Annual (QAR)

	2025Dec 31, 2025	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022	2021Dec 31, 2021
Operating Summary
Revenue	0.81B	1.04B	0.64B	0.80B	0.40B
Operating Expenses	648.52M	933.73M	922.67M	762.58M	298.25M
Pretax Income	0.13B	0.03B	-1.61B	-0.53B	0.10B
Income Tax	0.08M	0.24M	0.33M	0.35M	2.45M
Net Income	0.12B	0.03B	-1.47B	-0.53B	0.10B
Premium Revenue	639.99M	885.26M	768.21M	717.80M	241.81M
Policy Benefits	540.11M	795.61M	696.23M	576.60M	142.55M
Policy Cost	50.20M	60.01M	52.89M	54.02M	—
EPS (Basic)	0.14	0.03	-1.68	-0.61	0.11
EPS (Diluted)	0.14	0.03	-1.68	-0.61	0.11
Margins & Efficiency
Net Margin %	+15.4%	+2.8%	-230.4%	-66.8%	+25.0%
Revenue & Income
Revenue Growth (YoY)	-22.0%	+63.1%	-20.2%	+101.7%	-8.9%
Revenue Insurance	0.81B	1.04B	0.64B	0.80B	0.40B
Premiums Annuity Rev	639.99M	885.26M	768.21M	717.80M	241.81M
Other Revenue Insurance	26.20M	14.16M	3.50M	5.26M	2.02M
Earnings From Equity Investments	35.09M	15.62M	46.15M	43.10M	38.13M
Gain (Loss) on Sale of Assets	—	—	120.32M	—	0.05M
Gain Investment Rev Insurance	10.91M	10.00M	-212.59M	-1.34M	16.76M
Non Insurance Rev	—	1.95M	8.45M	14.89M	13.77M
Expenses & Provisions
SG&A Insurance	59.32M	82.56M	119.01M	110.38M	152.05M
Other Opex Insurance	-1.11M	-6.86M	4.30M	7.99M	-23.18M
Total Opex Insurance	648.52M	933.73M	922.67M	762.58M	298.25M
Interest Expense	-69.85M	-93.46M	-96.62M	-58.14M	-53.79M
Other Non Operating Income (Expenses)	-11.10M	-5.99M	-79.39M	-1.11M	0.77M
Policy Benefits	540.11M	795.61M	696.23M	576.60M	142.55M
Policy Cost	50.20M	60.01M	52.89M	54.02M	—
Provision for Bad Debts	—	—	41.13M	—	14.86M
Asset Writedown	0.01B	0.01B	-1.32B	-0.55B	0.02B
D&A For EBITDA	3.18M	2.86M	4.64M	8.41M	5.76M
Non Insurance Exp	—	2.41M	9.12M	13.59M	11.97M
Profitability & Returns
EBIT	161.09M	103.80M	-286.43M	34.57M	97.01M
EBIT Margin	+19.9%	+10.0%	-45.0%	+4.3%	+24.5%
EBITDA	164.27M	106.66M	-281.78M	42.98M	102.76M
EBITDA Margin	+20.3%	+10.3%	-44.3%	+5.4%	+26.0%
EBT Excluding Unusual Items	115.24M	19.97M	-416.28M	18.42M	82.11M
Pretax Income	0.13B	0.03B	-1.61B	-0.53B	0.10B
Opinc Insurance	161.09M	103.80M	-286.43M	34.57M	97.01M
Operating Margin	+19.9%	+10.0%	-45.0%	+4.3%	+24.5%
Profit Margin	+15.4%	+2.8%	-230.4%	-66.8%	+25.0%
Net Income	0.12B	0.03B	-1.47B	-0.53B	0.10B
Net Income to Common	0.12B	0.03B	-1.47B	-0.53B	0.10B
Net Income to Company	0.12B	0.03B	-1.61B	-0.53B	0.11B
Net Income Growth	+329.5%	—	—	—	-31.1%
Earnings From Continuing Ops.	0.13B	0.03B	-1.61B	-0.53B	0.10B
Earnings From Discontinued Ops.	-1.77M	-2.17M	-0.66M	0.87M	5.25M
Minority Interest in Earnings	0.79M	-1.39M	147.56M	-4.85M	-7.47M
Income Tax Expense	0.08M	0.24M	0.33M	0.35M	2.45M
Effective Tax Rate	+0.1%	+0.7%	—	—	+2.4%
Per Share & Capital
EPS (Basic)	0.14	0.03	-1.68	-0.61	0.11
EPS (Diluted)	0.14	0.03	-1.68	-0.61	0.11
EPS Growth	+329.5%	—	—	—	-31.1%
Shares Outstanding (Basic)	875.07M	875.07M	875.07M	875.07M	875.07M
Shares Outstanding (Diluted)	875.07M	875.07M	875.07M	875.07M	875.07M
Free Cash Flow	-51.25M	22.49M	-25.40M	58.60M	79.50M
Free Cash Flow Margin	-6.3%	+2.2%	-4.0%	+7.4%	+20.1%
Free Cash Flow Per Share	-0.06	0.03	-0.03	0.07	0.09
Supplemental
Total Interest Dividend Income	132.52M	126.16M	68.68M	60.54M	120.91M

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Annual (QAR)

	2025Dec 31, 2025	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022	2021Dec 31, 2021
Operating Summary
Revenue	0.81B	1.04B	0.64B	0.80B	0.40B
Operating Expenses	648.52M	933.73M	922.67M	762.58M	298.25M
Pretax Income	0.13B	0.03B	-1.61B	-0.53B	0.10B
Income Tax	0.08M	0.24M	0.33M	0.35M	2.45M
Net Income	0.12B	0.03B	-1.47B	-0.53B	0.10B
Premium Revenue	639.99M	885.26M	768.21M	717.80M	241.81M
Policy Benefits	540.11M	795.61M	696.23M	576.60M	142.55M
Policy Cost	50.20M	60.01M	52.89M	54.02M	—
EPS (Basic)	0.14	0.03	-1.68	-0.61	0.11
EPS (Diluted)	0.14	0.03	-1.68	-0.61	0.11
Margins & Efficiency
Net Margin %	+15.4%	+2.8%	-230.4%	-66.8%	+25.0%
Revenue & Income
Revenue Growth (YoY)	-22.0%	+63.1%	-20.2%	+101.7%	-8.9%
Revenue Insurance	0.81B	1.04B	0.64B	0.80B	0.40B
Premiums Annuity Rev	639.99M	885.26M	768.21M	717.80M	241.81M
Other Revenue Insurance	26.20M	14.16M	3.50M	5.26M	2.02M
Earnings From Equity Investments	35.09M	15.62M	46.15M	43.10M	38.13M
Gain (Loss) on Sale of Assets	—	—	120.32M	—	0.05M
Gain Investment Rev Insurance	10.91M	10.00M	-212.59M	-1.34M	16.76M
Non Insurance Rev	—	1.95M	8.45M	14.89M	13.77M
Expenses & Provisions
SG&A Insurance	59.32M	82.56M	119.01M	110.38M	152.05M
Other Opex Insurance	-1.11M	-6.86M	4.30M	7.99M	-23.18M
Total Opex Insurance	648.52M	933.73M	922.67M	762.58M	298.25M
Interest Expense	-69.85M	-93.46M	-96.62M	-58.14M	-53.79M
Other Non Operating Income (Expenses)	-11.10M	-5.99M	-79.39M	-1.11M	0.77M
Policy Benefits	540.11M	795.61M	696.23M	576.60M	142.55M
Policy Cost	50.20M	60.01M	52.89M	54.02M	—
Provision for Bad Debts	—	—	41.13M	—	14.86M
Asset Writedown	0.01B	0.01B	-1.32B	-0.55B	0.02B
D&A For EBITDA	3.18M	2.86M	4.64M	8.41M	5.76M
Non Insurance Exp	—	2.41M	9.12M	13.59M	11.97M
Profitability & Returns
EBIT	161.09M	103.80M	-286.43M	34.57M	97.01M
EBIT Margin	+19.9%	+10.0%	-45.0%	+4.3%	+24.5%
EBITDA	164.27M	106.66M	-281.78M	42.98M	102.76M
EBITDA Margin	+20.3%	+10.3%	-44.3%	+5.4%	+26.0%
EBT Excluding Unusual Items	115.24M	19.97M	-416.28M	18.42M	82.11M
Pretax Income	0.13B	0.03B	-1.61B	-0.53B	0.10B
Opinc Insurance	161.09M	103.80M	-286.43M	34.57M	97.01M
Operating Margin	+19.9%	+10.0%	-45.0%	+4.3%	+24.5%
Profit Margin	+15.4%	+2.8%	-230.4%	-66.8%	+25.0%
Net Income	0.12B	0.03B	-1.47B	-0.53B	0.10B
Net Income to Common	0.12B	0.03B	-1.47B	-0.53B	0.10B
Net Income to Company	0.12B	0.03B	-1.61B	-0.53B	0.11B
Net Income Growth	+329.5%	—	—	—	-31.1%
Earnings From Continuing Ops.	0.13B	0.03B	-1.61B	-0.53B	0.10B
Earnings From Discontinued Ops.	-1.77M	-2.17M	-0.66M	0.87M	5.25M
Minority Interest in Earnings	0.79M	-1.39M	147.56M	-4.85M	-7.47M
Income Tax Expense	0.08M	0.24M	0.33M	0.35M	2.45M
Effective Tax Rate	+0.1%	+0.7%	—	—	+2.4%
Per Share & Capital
EPS (Basic)	0.14	0.03	-1.68	-0.61	0.11
EPS (Diluted)	0.14	0.03	-1.68	-0.61	0.11
EPS Growth	+329.5%	—	—	—	-31.1%
Shares Outstanding (Basic)	875.07M	875.07M	875.07M	875.07M	875.07M
Shares Outstanding (Diluted)	875.07M	875.07M	875.07M	875.07M	875.07M
Free Cash Flow	-51.25M	22.49M	-25.40M	58.60M	79.50M
Free Cash Flow Margin	-6.3%	+2.2%	-4.0%	+7.4%	+20.1%
Free Cash Flow Per Share	-0.06	0.03	-0.03	0.07	0.09
Supplemental
Total Interest Dividend Income	132.52M	126.16M	68.68M	60.54M	120.91M